FHA Loan Limits and USDA Eligibility in North Carolina
2026 FHA one-unit limits in North Carolina range from $541,287 to $805,000. About 83% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $152,600. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for North Carolina
North Carolina one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for North Carolina
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North Carolina FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Alamance County | $541,287 | $122,800 |
| Alexander County | $541,287 | $122,800 |
| Alleghany County | $541,287 | $122,800 |
| Anson County | $541,287 | $122,800 |
| Ashe County | $541,287 | $122,800 |
| Avery County | $541,287 | $122,800 |
| Beaufort County | $541,287 | $122,800 |
| Bertie County | $541,287 | $122,800 |
| Bladen County | $541,287 | $122,800 |
| Brunswick County | $541,287 | $122,800 |
| Buncombe County | $541,287 | $122,800 |
| Burke County | $541,287 | $122,800 |
| Cabarrus County | $541,287 | $135,000 |
| Caldwell County | $541,287 | $122,800 |
| Camden County | $757,850 | $122,800 |
| Carteret County | $541,287 | $122,800 |
| Caswell County | $541,287 | $122,800 |
| Catawba County | $541,287 | $122,800 |
| Chatham County | $634,800 | $146,200 |
| Cherokee County | $541,287 | $122,800 |
| Chowan County | $541,287 | $122,800 |
| Clay County | $541,287 | $122,800 |
| Cleveland County | $541,287 | $122,800 |
| Columbus County | $541,287 | $122,800 |
| Craven County | $541,287 | $122,800 |
| Cumberland County | $541,287 | $122,800 |
| Currituck County | $757,850 | $123,850 |
| Dare County | $718,750 | $126,700 |
| Davidson County | $541,287 | $122,800 |
| Davie County | $541,287 | $122,800 |
| Duplin County | $541,287 | $122,800 |
| Durham County | $634,800 | $146,200 |
| Edgecombe County | $541,287 | $122,800 |
| Forsyth County | $541,287 | $122,800 |
| Franklin County | $541,287 | $152,600 |
| Gaston County | $541,287 | $135,000 |
| Gates County | $757,850 | $122,800 |
| Graham County | $541,287 | $122,800 |
| Granville County | $541,287 | $122,800 |
| Greene County | $541,287 | $122,800 |
| Guilford County | $541,287 | $122,800 |
| Halifax County | $541,287 | $122,800 |
| Harnett County | $541,287 | $122,800 |
| Haywood County | $541,287 | $122,800 |
| Henderson County | $541,287 | $122,800 |
| Hertford County | $541,287 | $122,800 |
| Hoke County | $541,287 | $122,800 |
| Hyde County | $541,287 | $122,800 |
| Iredell County | $541,287 | $123,400 |
| Jackson County | $541,287 | $122,800 |
| Johnston County | $541,287 | $152,600 |
| Jones County | $541,287 | $122,800 |
| Lee County | $541,287 | $122,800 |
| Lenoir County | $541,287 | $122,800 |
| Lincoln County | $541,287 | $122,800 |
| Macon County | $541,287 | $122,800 |
| Madison County | $541,287 | $122,800 |
| Martin County | $541,287 | $122,800 |
| McDowell County | $541,287 | $122,800 |
| Mecklenburg County | $541,287 | $135,000 |
| Mitchell County | $541,287 | $122,800 |
| Montgomery County | $541,287 | $122,800 |
| Moore County | $541,287 | $124,900 |
| Nash County | $541,287 | $122,800 |
| New Hanover County | $541,287 | $125,550 |
| Northampton County | $541,287 | $122,800 |
| Onslow County | $541,287 | $122,800 |
| Orange County | $634,800 | $146,200 |
| Pamlico County | $541,287 | $122,800 |
| Pasquotank County | $541,287 | $122,800 |
| Pender County | $541,287 | $126,000 |
| Perquimans County | $805,000 | $122,800 |
| Person County | $634,800 | $122,800 |
| Pitt County | $541,287 | $122,800 |
| Polk County | $541,287 | $122,800 |
| Randolph County | $541,287 | $122,800 |
| Richmond County | $541,287 | $122,800 |
| Robeson County | $541,287 | $122,800 |
| Rockingham County | $541,287 | $122,800 |
| Rowan County | $541,287 | $122,800 |
| Rutherford County | $541,287 | $122,800 |
| Sampson County | $541,287 | $122,800 |
| Scotland County | $541,287 | $122,800 |
| Stanly County | $541,287 | $122,800 |
| Stokes County | $541,287 | $122,800 |
| Surry County | $541,287 | $122,800 |
| Swain County | $541,287 | $122,800 |
| Transylvania County | $541,287 | $122,800 |
| Tyrrell County | $541,287 | $122,800 |
| Union County | $541,287 | $135,000 |
| Vance County | $541,287 | $122,800 |
| Wake County | $541,287 | $152,600 |
| Warren County | $541,287 | $122,800 |
| Washington County | $541,287 | $122,800 |
| Watauga County | $541,287 | $122,800 |
| Wayne County | $541,287 | $122,800 |
| Wilkes County | $541,287 | $122,800 |
| Wilson County | $541,287 | $122,800 |
| Yadkin County | $541,287 | $122,800 |
| Yancey County | $541,287 | $122,800 |
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