Wayne County, North Carolina has a 2026 one-unit conforming loan limit of $832,750, which is 4.7 times the county's median home value of $178,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,733 (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) | $178,700 |
| North Carolina median home value | $288,900 |
| Limit ÷ median home value | 4.66× |
| Median household income | $59,733 |
| Median home value ÷ income | 3.0× |
| Population | 118,652 |
| Median property tax paid (owners) | $1,249 |
| Effective property tax rate (approx.) | 0.70% |
| Owner-occupied homes | 61.5% |
| Home value rank in North Carolina | 70 of 100 counties |
| Neighbor: Duplin County, NC | limit $832,750; median home $137,400 |
| Neighbor: Greene County, NC | limit $832,750; median home $117,400 |
| Neighbor: Johnston County, NC | limit $832,750; median home $305,600 |
| Neighbor: Lenoir County, NC | limit $832,750; median home $120,500 |
| Neighbor: Sampson County, NC | limit $832,750; median home $150,700 |
| Neighbor: Wilson County, NC | limit $832,750; median home $186,000 |
Across North Carolina's 100 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Wayne County's median home value is 38% below the state median of $288,900 (rank 70 of 100). Among its 6 neighboring counties, Johnston County has the highest median home value ($305,600) and Greene County the lowest ($117,400); all share the same loan limit. Owners pay a median $1,249 a year in property tax, an effective rate of about 0.70% 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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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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