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North Carolina 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in North Carolina

North Carolina has 100 counties with FHA Limits ranging from a low of $472,030 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 ($907,900)
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 $472,030 $907,900 view details »
Alexander County $472,030 $907,900 view details »
Alleghany County $472,030 $907,900 view details »
Anson County $472,030 $907,900 view details »
Ashe County $472,030 $907,900 view details »
Avery County $472,030 $907,900 view details »
Beaufort County $472,030 $907,900 view details »
Bertie County $472,030 $907,900 view details »
Bladen County $472,030 $907,900 view details »
Brunswick County $472,030 $907,900 view details »
Buncombe County $472,030 $907,900 view details »
Burke County $472,030 $907,900 view details »
Cabarrus County $472,030 $907,900 view details »
Caldwell County $472,030 $907,900 view details »
Camden County $507,150 $975,300 view details »
Carteret County $472,030 $907,900 view details »
Caswell County $472,030 $907,900 view details »
Catawba County $472,030 $907,900 view details »
Chatham County $602,600 $1,158,850 view details »
Cherokee County $472,030 $907,900 view details »
Chowan County $472,030 $907,900 view details »
Clay County $472,030 $907,900 view details »
Cleveland County $472,030 $907,900 view details »
Columbus County $472,030 $907,900 view details »
Craven County $472,030 $907,900 view details »
Cumberland County $472,030 $907,900 view details »
Currituck County $507,150 $975,300 view details »
Dare County $603,750 $1,161,050 view details »
Davidson County $472,030 $907,900 view details »
Davie County $472,030 $907,900 view details »
Duplin County $472,030 $907,900 view details »
Durham County $602,600 $1,158,850 view details »
Edgecombe County $472,030 $907,900 view details »
Forsyth County $472,030 $907,900 view details »
Franklin County $502,550 $966,450 view details »
Gaston County $472,030 $907,900 view details »
Gates County $507,150 $975,300 view details »
Graham County $472,030 $907,900 view details »
Granville County $602,600 $1,158,850 view details »
Greene County $472,030 $907,900 view details »
Guilford County $472,030 $907,900 view details »
Halifax County $472,030 $907,900 view details »
Harnett County $472,030 $907,900 view details »
Haywood County $472,030 $907,900 view details »
Henderson County $472,030 $907,900 view details »
Hertford County $472,030 $907,900 view details »
Hoke County $472,030 $907,900 view details »
Hyde County $483,000 $928,850 view details »
Iredell County $472,030 $907,900 view details »
Jackson County $472,030 $907,900 view details »
Johnston County $502,550 $966,450 view details »
Jones County $472,030 $907,900 view details »
Lee County $472,030 $907,900 view details »
Lenoir County $472,030 $907,900 view details »
Lincoln County $472,030 $907,900 view details »
Mcdowell County $472,030 $907,900 view details »
Macon County $472,030 $907,900 view details »
Madison County $472,030 $907,900 view details »
Martin County $472,030 $907,900 view details »
Mecklenburg County $472,030 $907,900 view details »
Mitchell County $472,030 $907,900 view details »
Montgomery County $472,030 $907,900 view details »
Moore County $472,030 $907,900 view details »
Nash County $472,030 $907,900 view details »
New Hanover County $472,030 $907,900 view details »
Northampton County $472,030 $907,900 view details »
Onslow County $472,030 $907,900 view details »
Orange County $602,600 $1,158,850 view details »
Pamlico County $472,030 $907,900 view details »
Pasquotank County $805,000 $1,548,100 view details »
Pender County $472,030 $907,900 view details »
Perquimans County $805,000 $1,548,100 view details »
Person County $602,600 $1,158,850 view details »
Pitt County $472,030 $907,900 view details »
Polk County $472,030 $907,900 view details »
Randolph County $472,030 $907,900 view details »
Richmond County $472,030 $907,900 view details »
Robeson County $472,030 $907,900 view details »
Rockingham County $472,030 $907,900 view details »
Rowan County $472,030 $907,900 view details »
Rutherford County $472,030 $907,900 view details »
Sampson County $472,030 $907,900 view details »
Scotland County $472,030 $907,900 view details »
Stanly County $472,030 $907,900 view details »
Stokes County $472,030 $907,900 view details »
Surry County $472,030 $907,900 view details »
Swain County $472,030 $907,900 view details »
Transylvania County $472,030 $907,900 view details »
Tyrrell County $472,030 $907,900 view details »
Union County $472,030 $907,900 view details »
Vance County $472,030 $907,900 view details »
Wake County $502,550 $966,450 view details »
Warren County $472,030 $907,900 view details »
Washington County $472,030 $907,900 view details »
Watauga County $472,030 $907,900 view details »
Wayne County $472,030 $907,900 view details »
Wilkes County $472,030 $907,900 view details »
Wilson County $472,030 $907,900 view details »
Yadkin County $472,030 $907,900 view details »
Yancey County $472,030 $907,900 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 2023, the maximum loan limit in North Carolina is $472,030 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
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