FHA Loan Limits and USDA Eligibility in Rowan County, North Carolina
2026 FHA one-unit limit in Rowan 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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Rowan 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 |
|---|---|---|
| 27013 | $541,287 | $122,800 to $123,400 |
| 27054 | $541,287 | $122,800 |
| 28023 | $541,287 | $122,800 |
| 28039 | $541,287 | $122,800 |
| 28041 | $541,287 | $122,800 |
| 28071 | $541,287 | $122,800 to $135,000 |
| 28072 | $541,287 | $122,800 |
| 28081 | $541,287 | $122,800 to $135,000 |
| 28083 | $541,287 | $122,800 to $135,000 |
| 28088 | $541,287 | $122,800 |
| 28115 | $541,287 | $122,800 to $123,400 |
| 28125 | $541,287 | $122,800 to $123,400 |
| 28138 | $541,287 | $122,800 to $135,000 |
| 28144 | $541,287 | $122,800 |
| 28145 | $541,287 | $135,000 |
| 28146 | $541,287 | $122,800 |
| 28147 | $541,287 | $122,800 |
| 28159 | $541,287 | $122,800 |