North Carolina 2024 FHA Loan Limits

Last Updated: Tue, January 2, 2024

Loan Limits in North Carolina

North Carolina has 100 counties with FHA Limits ranging from a low of $498,257 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 ($958,350) †

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	$498,257	$958,350	view details »
Alexander County	$498,257	$958,350	view details »
Alleghany County	$498,257	$958,350	view details »
Anson County	$498,257	$958,350	view details »
Ashe County	$498,257	$958,350	view details »
Avery County	$498,257	$958,350	view details »
Beaufort County	$498,257	$958,350	view details »
Bertie County	$498,257	$958,350	view details »
Bladen County	$498,257	$958,350	view details »
Brunswick County	$498,257	$958,350	view details »
Buncombe County	$498,257	$958,350	view details »
Burke County	$498,257	$958,350	view details »
Cabarrus County	$498,257	$958,350	view details »
Caldwell County	$498,257	$958,350	view details »
Camden County	$690,000	$1,326,950	view details »
Carteret County	$498,257	$958,350	view details »
Caswell County	$498,257	$958,350	view details »
Catawba County	$498,257	$958,350	view details »
Chatham County	$602,600	$1,158,850	view details »
Cherokee County	$498,257	$958,350	view details »
Chowan County	$498,257	$958,350	view details »
Clay County	$498,257	$958,350	view details »
Cleveland County	$498,257	$958,350	view details »
Columbus County	$498,257	$958,350	view details »
Craven County	$498,257	$958,350	view details »
Cumberland County	$498,257	$958,350	view details »
Currituck County	$690,000	$1,326,950	view details »
Dare County	$617,550	$1,187,600	view details »
Davidson County	$498,257	$958,350	view details »
Davie County	$498,257	$958,350	view details »
Duplin County	$498,257	$958,350	view details »
Durham County	$602,600	$1,158,850	view details »
Edgecombe County	$498,257	$958,350	view details »
Forsyth County	$498,257	$958,350	view details »
Franklin County	$529,000	$1,017,300	view details »
Gaston County	$498,257	$958,350	view details »
Gates County	$690,000	$1,326,950	view details »
Graham County	$498,257	$958,350	view details »
Granville County	$602,600	$1,158,850	view details »
Greene County	$498,257	$958,350	view details »
Guilford County	$498,257	$958,350	view details »
Halifax County	$498,257	$958,350	view details »
Harnett County	$498,257	$958,350	view details »
Haywood County	$498,257	$958,350	view details »
Henderson County	$498,257	$958,350	view details »
Hertford County	$498,257	$958,350	view details »
Hoke County	$498,257	$958,350	view details »
Hyde County	$498,257	$958,350	view details »
Iredell County	$498,257	$958,350	view details »
Jackson County	$498,257	$958,350	view details »
Johnston County	$529,000	$1,017,300	view details »
Jones County	$498,257	$958,350	view details »
Lee County	$498,257	$958,350	view details »
Lenoir County	$498,257	$958,350	view details »
Lincoln County	$498,257	$958,350	view details »
Mcdowell County	$498,257	$958,350	view details »
Macon County	$498,257	$958,350	view details »
Madison County	$498,257	$958,350	view details »
Martin County	$498,257	$958,350	view details »
Mecklenburg County	$498,257	$958,350	view details »
Mitchell County	$498,257	$958,350	view details »
Montgomery County	$498,257	$958,350	view details »
Moore County	$498,257	$958,350	view details »
Nash County	$498,257	$958,350	view details »
New Hanover County	$498,257	$958,350	view details »
Northampton County	$498,257	$958,350	view details »
Onslow County	$498,257	$958,350	view details »
Orange County	$602,600	$1,158,850	view details »
Pamlico County	$498,257	$958,350	view details »
Pasquotank County	$805,000	$1,548,100	view details »
Pender County	$498,257	$958,350	view details »
Perquimans County	$805,000	$1,548,100	view details »
Person County	$602,600	$1,158,850	view details »
Pitt County	$498,257	$958,350	view details »
Polk County	$498,257	$958,350	view details »
Randolph County	$498,257	$958,350	view details »
Richmond County	$498,257	$958,350	view details »
Robeson County	$498,257	$958,350	view details »
Rockingham County	$498,257	$958,350	view details »
Rowan County	$498,257	$958,350	view details »
Rutherford County	$498,257	$958,350	view details »
Sampson County	$498,257	$958,350	view details »
Scotland County	$498,257	$958,350	view details »
Stanly County	$498,257	$958,350	view details »
Stokes County	$498,257	$958,350	view details »
Surry County	$498,257	$958,350	view details »
Swain County	$498,257	$958,350	view details »
Transylvania County	$498,257	$958,350	view details »
Tyrrell County	$498,257	$958,350	view details »
Union County	$498,257	$958,350	view details »
Vance County	$498,257	$958,350	view details »
Wake County	$529,000	$1,017,300	view details »
Warren County	$498,257	$958,350	view details »
Washington County	$498,257	$958,350	view details »
Watauga County	$498,257	$958,350	view details »
Wayne County	$498,257	$958,350	view details »
Wilkes County	$498,257	$958,350	view details »
Wilson County	$498,257	$958,350	view details »
Yadkin County	$498,257	$958,350	view details »
Yancey County	$498,257	$958,350	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 2024, the maximum loan limit in North Carolina is $498,257 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.

North Carolina 2024 FHA Loan Limits

Loan Limits in North Carolina

Loan Limits by County in North Carolina (100 counties)

How to qualify for an FHA Loan in North Carolina?

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