North Carolina 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in North Carolina

North Carolina has 100 counties with FHA Limits ranging from a low of $524,225 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 ($1,008,300) †

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	$524,225	$1,008,300	view details »
Alexander County	$524,225	$1,008,300	view details »
Alleghany County	$524,225	$1,008,300	view details »
Anson County	$524,225	$1,008,300	view details »
Ashe County	$524,225	$1,008,300	view details »
Avery County	$524,225	$1,008,300	view details »
Beaufort County	$524,225	$1,008,300	view details »
Bertie County	$524,225	$1,008,300	view details »
Bladen County	$524,225	$1,008,300	view details »
Brunswick County	$524,225	$1,008,300	view details »
Buncombe County	$524,225	$1,008,300	view details »
Burke County	$524,225	$1,008,300	view details »
Cabarrus County	$524,225	$1,008,300	view details »
Caldwell County	$524,225	$1,008,300	view details »
Camden County	$757,850	$1,457,450	view details »
Carteret County	$524,225	$1,008,300	view details »
Caswell County	$524,225	$1,008,300	view details »
Catawba County	$524,225	$1,008,300	view details »
Chatham County	$632,500	$1,216,350	view details »
Cherokee County	$524,225	$1,008,300	view details »
Chowan County	$524,225	$1,008,300	view details »
Clay County	$524,225	$1,008,300	view details »
Cleveland County	$524,225	$1,008,300	view details »
Columbus County	$524,225	$1,008,300	view details »
Craven County	$524,225	$1,008,300	view details »
Cumberland County	$524,225	$1,008,300	view details »
Currituck County	$757,850	$1,457,450	view details »
Dare County	$663,550	$1,276,100	view details »
Davidson County	$524,225	$1,008,300	view details »
Davie County	$524,225	$1,008,300	view details »
Duplin County	$524,225	$1,008,300	view details »
Durham County	$632,500	$1,216,350	view details »
Edgecombe County	$524,225	$1,008,300	view details »
Forsyth County	$524,225	$1,008,300	view details »
Franklin County	$530,150	$1,019,550	view details »
Gaston County	$524,225	$1,008,300	view details »
Gates County	$757,850	$1,457,450	view details »
Graham County	$524,225	$1,008,300	view details »
Granville County	$632,500	$1,216,350	view details »
Greene County	$524,225	$1,008,300	view details »
Guilford County	$524,225	$1,008,300	view details »
Halifax County	$524,225	$1,008,300	view details »
Harnett County	$524,225	$1,008,300	view details »
Haywood County	$524,225	$1,008,300	view details »
Henderson County	$524,225	$1,008,300	view details »
Hertford County	$524,225	$1,008,300	view details »
Hoke County	$524,225	$1,008,300	view details »
Hyde County	$524,225	$1,008,300	view details »
Iredell County	$524,225	$1,008,300	view details »
Jackson County	$524,225	$1,008,300	view details »
Johnston County	$530,150	$1,019,550	view details »
Jones County	$524,225	$1,008,300	view details »
Lee County	$524,225	$1,008,300	view details »
Lenoir County	$524,225	$1,008,300	view details »
Lincoln County	$524,225	$1,008,300	view details »
Mcdowell County	$524,225	$1,008,300	view details »
Macon County	$524,225	$1,008,300	view details »
Madison County	$524,225	$1,008,300	view details »
Martin County	$524,225	$1,008,300	view details »
Mecklenburg County	$524,225	$1,008,300	view details »
Mitchell County	$524,225	$1,008,300	view details »
Montgomery County	$524,225	$1,008,300	view details »
Moore County	$524,225	$1,008,300	view details »
Nash County	$524,225	$1,008,300	view details »
New Hanover County	$524,225	$1,008,300	view details »
Northampton County	$524,225	$1,008,300	view details »
Onslow County	$524,225	$1,008,300	view details »
Orange County	$632,500	$1,216,350	view details »
Pamlico County	$524,225	$1,008,300	view details »
Pasquotank County	$805,000	$1,548,100	view details »
Pender County	$524,225	$1,008,300	view details »
Perquimans County	$805,000	$1,548,100	view details »
Person County	$632,500	$1,216,350	view details »
Pitt County	$524,225	$1,008,300	view details »
Polk County	$524,225	$1,008,300	view details »
Randolph County	$524,225	$1,008,300	view details »
Richmond County	$524,225	$1,008,300	view details »
Robeson County	$524,225	$1,008,300	view details »
Rockingham County	$524,225	$1,008,300	view details »
Rowan County	$524,225	$1,008,300	view details »
Rutherford County	$524,225	$1,008,300	view details »
Sampson County	$524,225	$1,008,300	view details »
Scotland County	$524,225	$1,008,300	view details »
Stanly County	$524,225	$1,008,300	view details »
Stokes County	$524,225	$1,008,300	view details »
Surry County	$524,225	$1,008,300	view details »
Swain County	$524,225	$1,008,300	view details »
Transylvania County	$524,225	$1,008,300	view details »
Tyrrell County	$524,225	$1,008,300	view details »
Union County	$524,225	$1,008,300	view details »
Vance County	$524,225	$1,008,300	view details »
Wake County	$530,150	$1,019,550	view details »
Warren County	$524,225	$1,008,300	view details »
Washington County	$524,225	$1,008,300	view details »
Watauga County	$524,225	$1,008,300	view details »
Wayne County	$524,225	$1,008,300	view details »
Wilkes County	$524,225	$1,008,300	view details »
Wilson County	$524,225	$1,008,300	view details »
Yadkin County	$524,225	$1,008,300	view details »
Yancey County	$524,225	$1,008,300	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 2025, the maximum loan limit in North Carolina is $524,225 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 2025 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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