Gates County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 4.9 times the county's median home value of $170,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,333 (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) | $170,800 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 4.88× |
| Median household income | $66,333 |
| Median home value ÷ income | 2.6× |
| Population | 10,376 |
| Median property tax paid (owners) | $1,296 |
| Effective property tax rate (approx.) | 0.76% |
| Owner-occupied homes | 80.9% |
| Home value rank in North Carolina | 73 of 100 counties |
| Neighbor: Camden County, NC | limit $832,750; median home $337,100 |
| Neighbor: Chowan County, NC | limit $832,750; median home $235,800 |
| Neighbor: Hertford County, NC | limit $832,750; median home $119,200 |
| Neighbor: Pasquotank County, NC | limit $832,750; median home $234,600 |
| Neighbor: Perquimans County, NC | limit $832,750; median home $231,700 |
| Neighbor: Southampton County, VA | limit $832,750; median home $216,200 |
| Neighbor: Suffolk City, VA | limit $832,750; median home $347,400 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Gates County's median home value is 41% below the state median of $288,900 (rank 73 of 100). Among its 7 neighboring counties, Suffolk City has the highest median home value ($347,400) and Hertford County the lowest ($119,200); all share the same loan limit. Owners pay a median $1,296 a year in property tax, an effective rate of about 0.76% 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
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- 2026 conforming loan limit: Geauga County, OH
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- 2026 conforming loan limit: Genesee County, MI
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Last updated 2026-10-16. Data only, not financial or tax advice.