North Carolina 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in North Carolina

North Carolina has 100 counties with FHA Limits ranging from a low of $420,680 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 ($809,150)
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 $420,680 $809,150 view details »
Alexander County $420,680 $809,150 view details »
Alleghany County $420,680 $809,150 view details »
Anson County $420,680 $809,150 view details »
Ashe County $420,680 $809,150 view details »
Avery County $420,680 $809,150 view details »
Beaufort County $420,680 $809,150 view details »
Bertie County $420,680 $809,150 view details »
Bladen County $420,680 $809,150 view details »
Brunswick County $420,680 $809,150 view details »
Buncombe County $420,680 $809,150 view details »
Burke County $420,680 $809,150 view details »
Cabarrus County $420,680 $809,150 view details »
Caldwell County $420,680 $809,150 view details »
Camden County $488,750 $939,900 view details »
Carteret County $420,680 $809,150 view details »
Caswell County $420,680 $809,150 view details »
Catawba County $420,680 $809,150 view details »
Chatham County $506,000 $973,100 view details »
Cherokee County $420,680 $809,150 view details »
Chowan County $420,680 $809,150 view details »
Clay County $420,680 $809,150 view details »
Cleveland County $420,680 $809,150 view details »
Columbus County $420,680 $809,150 view details »
Craven County $420,680 $809,150 view details »
Cumberland County $420,680 $809,150 view details »
Currituck County $488,750 $939,900 view details »
Dare County $471,500 $906,750 view details »
Davidson County $420,680 $809,150 view details »
Davie County $420,680 $809,150 view details »
Duplin County $420,680 $809,150 view details »
Durham County $506,000 $973,100 view details »
Edgecombe County $420,680 $809,150 view details »
Forsyth County $420,680 $809,150 view details »
Franklin County $420,680 $809,150 view details »
Gaston County $420,680 $809,150 view details »
Gates County $488,750 $939,900 view details »
Graham County $420,680 $809,150 view details »
Granville County $506,000 $973,100 view details »
Greene County $420,680 $809,150 view details »
Guilford County $420,680 $809,150 view details »
Halifax County $420,680 $809,150 view details »
Harnett County $420,680 $809,150 view details »
Haywood County $420,680 $809,150 view details »
Henderson County $420,680 $809,150 view details »
Hertford County $420,680 $809,150 view details »
Hoke County $420,680 $809,150 view details »
Hyde County $483,000 $928,850 view details »
Iredell County $420,680 $809,150 view details »
Jackson County $420,680 $809,150 view details »
Johnston County $420,680 $809,150 view details »
Jones County $420,680 $809,150 view details »
Lee County $420,680 $809,150 view details »
Lenoir County $420,680 $809,150 view details »
Lincoln County $420,680 $809,150 view details »
Mcdowell County $420,680 $809,150 view details »
Macon County $420,680 $809,150 view details »
Madison County $420,680 $809,150 view details »
Martin County $420,680 $809,150 view details »
Mecklenburg County $420,680 $809,150 view details »
Mitchell County $420,680 $809,150 view details »
Montgomery County $420,680 $809,150 view details »
Moore County $420,680 $809,150 view details »
Nash County $420,680 $809,150 view details »
New Hanover County $420,680 $809,150 view details »
Northampton County $420,680 $809,150 view details »
Onslow County $420,680 $809,150 view details »
Orange County $506,000 $973,100 view details »
Pamlico County $420,680 $809,150 view details »
Pasquotank County $805,000 $1,548,100 view details »
Pender County $420,680 $809,150 view details »
Perquimans County $805,000 $1,548,100 view details »
Person County $506,000 $973,100 view details »
Pitt County $420,680 $809,150 view details »
Polk County $420,680 $809,150 view details »
Randolph County $420,680 $809,150 view details »
Richmond County $420,680 $809,150 view details »
Robeson County $420,680 $809,150 view details »
Rockingham County $420,680 $809,150 view details »
Rowan County $420,680 $809,150 view details »
Rutherford County $420,680 $809,150 view details »
Sampson County $420,680 $809,150 view details »
Scotland County $420,680 $809,150 view details »
Stanly County $420,680 $809,150 view details »
Stokes County $420,680 $809,150 view details »
Surry County $420,680 $809,150 view details »
Swain County $420,680 $809,150 view details »
Transylvania County $420,680 $809,150 view details »
Tyrrell County $420,680 $809,150 view details »
Union County $420,680 $809,150 view details »
Vance County $420,680 $809,150 view details »
Wake County $420,680 $809,150 view details »
Warren County $420,680 $809,150 view details »
Washington County $420,680 $809,150 view details »
Watauga County $420,680 $809,150 view details »
Wayne County $420,680 $809,150 view details »
Wilkes County $420,680 $809,150 view details »
Wilson County $420,680 $809,150 view details »
Yadkin County $420,680 $809,150 view details »
Yancey County $420,680 $809,150 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 2022, the maximum loan limit in North Carolina is $420,680 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