Cumberland County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 4.2 times the county's median home value of $199,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,291 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $199,200 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 4.18× |
| Median household income | $61,291 |
| Median home value ÷ income | 3.3× |
| Population | 338,545 |
| Median property tax paid (owners) | $1,850 |
| Effective property tax rate (approx.) | 0.93% |
| Owner-occupied homes | 55.0% |
| Home value rank in North Carolina | 61 of 100 counties |
| Neighbor: Bladen County, NC | limit $832,750; median home $135,100 |
| Neighbor: Harnett County, NC | limit $832,750; median home $246,200 |
| Neighbor: Hoke County, NC | limit $832,750; median home $219,300 |
| Neighbor: Moore County, NC | limit $832,750; median home $351,400 |
| Neighbor: Robeson County, NC | limit $832,750; median home $94,500 |
| Neighbor: Sampson County, NC | limit $832,750; median home $150,700 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cumberland County's median home value is 31% below the state median of $288,900 (rank 61 of 100). Among its 6 neighboring counties, Moore County has the highest median home value ($351,400) and Robeson County the lowest ($94,500); all share the same loan limit. Owners pay a median $1,850 a year in property tax, an effective rate of about 0.93% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Cumberland County, IL
- 2026 conforming loan limit: Cumberland County, KY
- 2026 conforming loan limit: Cumberland County, ME
- 2026 conforming loan limit: Cumberland County, NJ
- 2026 conforming loan limit: Cumberland County, PA
- 2026 conforming loan limit: Cumberland County, TN
- 2026 conforming loan limit: Cumberland County, VA
- 2026 conforming loan limit: Cuming County, NE
Last updated 2026-10-16. Data only, not financial or tax advice.