North Carolina 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in North Carolina

North Carolina has 100 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Alamance County to a high of $1,548,100 for a 4-bedroom unit in Pasquotank County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of North Carolina's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($685,400)
Highest Loan Limit ($1,548,100)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in North Carolina (100 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Alamance County $356,362 $685,400 view details »
Alexander County $356,362 $685,400 view details »
Alleghany County $356,362 $685,400 view details »
Anson County $356,362 $685,400 view details »
Ashe County $356,362 $685,400 view details »
Avery County $356,362 $685,400 view details »
Beaufort County $356,362 $685,400 view details »
Bertie County $356,362 $685,400 view details »
Bladen County $356,362 $685,400 view details »
Brunswick County $356,362 $685,400 view details »
Buncombe County $356,362 $685,400 view details »
Burke County $356,362 $685,400 view details »
Cabarrus County $356,362 $685,400 view details »
Caldwell County $356,362 $685,400 view details »
Camden County $458,850 $882,400 view details »
Carteret County $356,362 $685,400 view details »
Caswell County $356,362 $685,400 view details »
Catawba County $356,362 $685,400 view details »
Chatham County $437,000 $840,400 view details »
Cherokee County $356,362 $685,400 view details »
Chowan County $356,362 $685,400 view details »
Clay County $356,362 $685,400 view details »
Cleveland County $356,362 $685,400 view details »
Columbus County $356,362 $685,400 view details »
Craven County $356,362 $685,400 view details »
Cumberland County $356,362 $685,400 view details »
Currituck County $458,850 $882,400 view details »
Dare County $396,750 $763,000 view details »
Davidson County $356,362 $685,400 view details »
Davie County $356,362 $685,400 view details »
Duplin County $356,362 $685,400 view details »
Durham County $437,000 $840,400 view details »
Edgecombe County $356,362 $685,400 view details »
Forsyth County $356,362 $685,400 view details »
Franklin County $371,450 $714,350 view details »
Gaston County $356,362 $685,400 view details »
Gates County $458,850 $882,400 view details »
Graham County $356,362 $685,400 view details »
Granville County $437,000 $840,400 view details »
Greene County $356,362 $685,400 view details »
Guilford County $356,362 $685,400 view details »
Halifax County $356,362 $685,400 view details »
Harnett County $356,362 $685,400 view details »
Haywood County $356,362 $685,400 view details »
Henderson County $356,362 $685,400 view details »
Hertford County $356,362 $685,400 view details »
Hoke County $356,362 $685,400 view details »
Hyde County $483,000 $928,850 view details »
Iredell County $356,362 $685,400 view details »
Jackson County $356,362 $685,400 view details »
Johnston County $371,450 $714,350 view details »
Jones County $356,362 $685,400 view details »
Lee County $356,362 $685,400 view details »
Lenoir County $356,362 $685,400 view details »
Lincoln County $356,362 $685,400 view details »
Mcdowell County $356,362 $685,400 view details »
Macon County $356,362 $685,400 view details »
Madison County $356,362 $685,400 view details »
Martin County $356,362 $685,400 view details »
Mecklenburg County $356,362 $685,400 view details »
Mitchell County $356,362 $685,400 view details »
Montgomery County $356,362 $685,400 view details »
Moore County $356,362 $685,400 view details »
Nash County $356,362 $685,400 view details »
New Hanover County $356,362 $685,400 view details »
Northampton County $356,362 $685,400 view details »
Onslow County $356,362 $685,400 view details »
Orange County $437,000 $840,400 view details »
Pamlico County $356,362 $685,400 view details »
Pasquotank County $805,000 $1,548,100 view details »
Pender County $356,362 $685,400 view details »
Perquimans County $805,000 $1,548,100 view details »
Person County $437,000 $840,400 view details »
Pitt County $356,362 $685,400 view details »
Polk County $356,362 $685,400 view details »
Randolph County $356,362 $685,400 view details »
Richmond County $356,362 $685,400 view details »
Robeson County $356,362 $685,400 view details »
Rockingham County $356,362 $685,400 view details »
Rowan County $356,362 $685,400 view details »
Rutherford County $356,362 $685,400 view details »
Sampson County $356,362 $685,400 view details »
Scotland County $356,362 $685,400 view details »
Stanly County $356,362 $685,400 view details »
Stokes County $356,362 $685,400 view details »
Surry County $356,362 $685,400 view details »
Swain County $356,362 $685,400 view details »
Transylvania County $356,362 $685,400 view details »
Tyrrell County $356,362 $685,400 view details »
Union County $356,362 $685,400 view details »
Vance County $356,362 $685,400 view details »
Wake County $371,450 $714,350 view details »
Warren County $356,362 $685,400 view details »
Washington County $356,362 $685,400 view details »
Watauga County $356,362 $685,400 view details »
Wayne County $356,362 $685,400 view details »
Wilkes County $356,362 $685,400 view details »
Wilson County $356,362 $685,400 view details »
Yadkin County $356,362 $685,400 view details »
Yancey County $356,362 $685,400 view details »

How to qualify for an FHA Loan in North Carolina?

To qualify for an FHA loan in North Carolina, your home loan must be below the local FHA loan limits in your area. For 2021, the maximum loan limit in North Carolina is $356,362 for a single-family home and $1,548,100 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in North Carolina. Additional restricts apply. Click on the North Carolina map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/north-carolina