FHA Loan Limits and USDA Eligibility in Wake County, North Carolina
2026 FHA one-unit limit in Wake 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 $152,600. 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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Wake 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 |
|---|---|---|
| 27501 | $541,287 | $122,800 to $152,600 |
| 27502 | $541,287 | $146,200 to $152,600 |
| 27511 | $541,287 | $152,600 |
| 27512 | $541,287 | $152,600 |
| 27513 | $541,287 | $152,600 |
| 27515 | $541,287 | $146,200 |
| 27518 | $541,287 | $152,600 |
| 27519 | $541,287 | $146,200 to $152,600 |
| 27520 | $541,287 | $152,600 |
| 27523 | $541,287 | $146,200 to $152,600 |
| 27526 | $541,287 | $122,800 to $152,600 |
| 27529 | $541,287 | $152,600 |
| 27539 | $541,287 | $152,600 |
| 27540 | $541,287 | $122,800 to $152,600 |
| 27545 | $541,287 | $152,600 |
| 27560 | $541,287 | $146,200 to $152,600 |
| 27562 | $541,287 | $146,200 to $152,600 |
| 27571 | $541,287 | $152,600 |
| 27587 | $541,287 | $122,800 to $152,600 |
| 27591 | $541,287 | $152,600 |
| 27592 | $541,287 | $122,800 to $152,600 |
| 27596 | $541,287 | $122,800 to $152,600 |
| 27597 | $541,287 | $122,800 to $152,600 |
| 27601 | $541,287 | $152,600 |
| 27602 | $541,287 | $152,600 |
| 27603 | $541,287 | $152,600 |
| 27604 | $541,287 | $152,600 |
| 27605 | $541,287 | $152,600 |
| 27606 | $541,287 | $152,600 |
| 27607 | $541,287 | $152,600 |
| 27608 | $541,287 | $152,600 |
| 27609 | $541,287 | $152,600 |
| 27610 | $541,287 | $152,600 |
| 27611 | $541,287 | $152,600 |
| 27612 | $541,287 | $152,600 |
| 27613 | $541,287 | $146,200 to $152,600 |
| 27614 | $541,287 | $152,600 |
| 27615 | $541,287 | $152,600 |
| 27616 | $541,287 | $152,600 |
| 27617 | $541,287 | $146,200 to $152,600 |
| 27619 | $541,287 | $152,600 |
| 27629 | $541,287 | $152,600 |
| 27656 | $541,287 | $152,600 |
| 27658 | $541,287 | $152,600 |
| 27661 | $541,287 | $152,600 |