FHA Loan Limits and USDA Eligibility in Chatham County, North Carolina
2026 FHA one-unit limit in Chatham County is $634,800. Two-unit is $812,650, three-unit is $982,300, and four-unit is $1,220,800. USDA 502 Guaranteed 1–4 person moderate income is $146,200. Enter a ZIP on the maps. USDA scores the property address, not the county.
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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EligibleIneligibleUSDA ineligible boundary
Chatham County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 27207 | $634,800 | $146,200 |
| 27208 | $634,800 | $122,800 to $146,200 |
| 27213 | $634,800 | $146,200 |
| 27252 | $634,800 | $146,200 |
| 27256 | $634,800 | $146,200 |
| 27312 | $634,800 | $122,800 to $146,200 |
| 27330 | $634,800 | $122,800 to $146,200 |
| 27344 | $634,800 | $122,800 to $146,200 |
| 27502 | $634,800 | $146,200 to $152,600 |
| 27516 | $634,800 | $146,200 |
| 27517 | $634,800 | $146,200 |
| 27519 | $634,800 | $146,200 to $152,600 |
| 27523 | $634,800 | $146,200 to $152,600 |
| 27559 | $634,800 | $146,200 |
| 27562 | $634,800 | $146,200 to $152,600 |
| 27713 | $634,800 | $146,200 to $152,600 |