FHA Loan Limits and USDA Eligibility in Onslow County, North Carolina
2026 FHA one-unit limit in Onslow 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 $122,800. 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
Onslow 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 |
|---|---|---|
| 28445 | $541,287 | $122,800 to $126,000 |
| 28454 | $541,287 | $122,800 to $126,000 |
| 28460 | $541,287 | $122,800 |
| 28518 | $541,287 | $122,800 |
| 28539 | $541,287 | $122,800 |
| 28540 | $541,287 | $122,800 |
| 28542 | $541,287 | $122,800 |
| 28543 | $541,287 | $122,800 |
| 28544 | $541,287 | $122,800 |
| 28546 | $541,287 | $122,800 |
| 28555 | $541,287 | $122,800 |
| 28574 | $541,287 | $122,800 |
| 28582 | $541,287 | $122,800 |
| 28584 | $541,287 | $122,800 |