Highest FHA limit in North Carolina
$805,000
In 2026, FHA one-unit limits in North Carolina range from $541,287 to $805,000 (Perquimans County). 91 of 100 counties use the national floor.
91 of 100counties at the $541,287 floor
All North Carolina counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Perquimans County | $805,000 | $1,030,550 | $1,548,100 | $832,750 |
| Camden County | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Currituck County | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Gates County | $757,850 | $970,200 | $1,457,450 | $832,750 |
| Dare County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Chatham County | $634,800 | $812,650 | $1,220,800 | $832,750 |
| Durham County | $634,800 | $812,650 | $1,220,800 | $832,750 |
| Orange County | $634,800 | $812,650 | $1,220,800 | $832,750 |
| Person County | $634,800 | $812,650 | $1,220,800 | $832,750 |
| Alamance County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Alexander County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Alleghany County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Anson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ashe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Avery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Beaufort County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bertie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bladen County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brunswick County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Buncombe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Burke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cabarrus County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Caldwell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carteret County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Caswell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Catawba County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cherokee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chowan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cleveland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Columbus County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Craven County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cumberland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Davidson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Davie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Duplin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Edgecombe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Forsyth County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gaston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Graham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Granville County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greene County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Guilford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Halifax County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Harnett County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Haywood County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Henderson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hertford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hoke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hyde County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Iredell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Johnston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jones County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lenoir County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Macon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Madison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Martin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McDowell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mecklenburg County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mitchell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montgomery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Moore County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Nash County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| New Hanover County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Northampton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Onslow County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pamlico County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pasquotank County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pender County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pitt County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Polk County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Randolph County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Richmond County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Robeson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rockingham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rowan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rutherford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sampson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Scotland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stanly County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stokes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Surry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Swain County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Transylvania County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tyrrell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Union County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Vance County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wake County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Warren County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Watauga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wayne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wilkes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wilson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yadkin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yancey County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in North Carolina for 2026?
In 2026, FHA one-unit limits in North Carolina range from $541,287 to $805,000 (Perquimans County). 91 of 100 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.