FHA Loan Limits and USDA Eligibility in Mecklenburg County, North Carolina
2026 FHA one-unit limit in Mecklenburg County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $135,000. 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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Mecklenburg 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 |
|---|---|---|
| 28031 | $541,287 | $135,000 |
| 28036 | $541,287 | $122,800 to $135,000 |
| 28078 | $541,287 | $135,000 |
| 28104 | $541,287 | $135,000 |
| 28105 | $541,287 | $135,000 |
| 28126 | $541,287 | $135,000 |
| 28130 | $541,287 | $135,000 |
| 28134 | $541,287 | $135,000 |
| 28201 | $541,287 | $135,000 |
| 28202 | $541,287 | $135,000 |
| 28203 | $541,287 | $135,000 |
| 28204 | $541,287 | $135,000 |
| 28205 | $541,287 | $135,000 |
| 28206 | $541,287 | $135,000 |
| 28207 | $541,287 | $135,000 |
| 28208 | $541,287 | $135,000 |
| 28209 | $541,287 | $135,000 |
| 28210 | $541,287 | $135,000 |
| 28211 | $541,287 | $135,000 |
| 28212 | $541,287 | $135,000 |
| 28213 | $541,287 | $135,000 |
| 28214 | $541,287 | $135,000 |
| 28215 | $541,287 | $135,000 |
| 28216 | $541,287 | $135,000 |
| 28217 | $541,287 | $135,000 |
| 28219 | $541,287 | $135,000 |
| 28220 | $541,287 | $135,000 |
| 28223 | $541,287 | $135,000 |
| 28226 | $541,287 | $135,000 |
| 28227 | $541,287 | $135,000 |
| 28228 | $541,287 | $135,000 |
| 28229 | $541,287 | $135,000 |
| 28234 | $541,287 | $135,000 |
| 28262 | $541,287 | $135,000 |
| 28269 | $541,287 | $135,000 |
| 28270 | $541,287 | $135,000 |
| 28273 | $541,287 | $135,000 |
| 28277 | $541,287 | $135,000 |
| 28278 | $541,287 | $135,000 |
| 28299 | $541,287 | $135,000 |