North Carolina Loan Limits

2022 Loan Limits

2022 Loan limits in North Carolina by county. Click on the map below to view loan limits for a particular county.

North Carolina Map

Minimum Loan Limit
Maximum Loan Limit

Loan Limits are the same across all of North Carolina. The conforming loan limits for a single-family home anywhere in North Carolina is $647,200.

Loan limits in North Carolina are based on the median home price in each county of North Carolina. Based on home prices across the state, all areas in North Carolina have loan limits equal to the national loan limit baseline.

View the loan limits overview for information on how loan limits are set for each county. Click on the a specific county from the table below for detailed loan limit information.

Counties in North Carolina (100)

Low-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Alamance County $197,000 $647,200
Alexander County $179,000 $647,200
Alleghany County $134,000 $647,200
Anson County $340,000 $647,200
Ashe County $197,000 $647,200
Avery County $200,000 $647,200
Beaufort County $170,000 $647,200
Bertie County $75,000 $647,200
Bladen County $104,000 $647,200
Brunswick County $260,000 $647,200
Buncombe County $330,000 $647,200
Burke County $179,000 $647,200
Cabarrus County $340,000 $647,200
Caldwell County $179,000 $647,200
Camden County $700,000 $647,200
Carteret County $275,000 $647,200
Caswell County $125,000 $647,200
Catawba County $179,000 $647,200
Chatham County $440,000 $647,200
Cherokee County $160,000 $647,200
Chowan County $186,000 $647,200
Clay County $196,000 $647,200
Cleveland County $130,000 $647,200
Columbus County $95,000 $647,200
Craven County $233,000 $647,200
Cumberland County $225,000 $647,200
Currituck County $425,000 $647,200
Dare County $410,000 $647,200
Davidson County $210,000 $647,200
Davie County $210,000 $647,200
Duplin County $115,000 $647,200
Durham County $440,000 $647,200
Edgecombe County $181,000 $647,200
Forsyth County $210,000 $647,200
Franklin County $363,000 $647,200
Gaston County $340,000 $647,200
Gates County $425,000 $647,200
Graham County $153,000 $647,200
Granville County $440,000 $647,200
Greene County $114,000 $647,200
Guilford County $205,000 $647,200
Halifax County $132,000 $647,200
Harnett County $225,000 $647,200
Haywood County $330,000 $647,200
Henderson County $330,000 $647,200
Hertford County $120,000 $647,200
Hoke County $225,000 $647,200
Hyde County $420,000 $647,200
Iredell County $340,000 $647,200
Jackson County $272,000 $647,200
Johnston County $363,000 $647,200
Jones County $233,000 $647,200
Lee County $190,000 $647,200
Lenoir County $133,000 $647,200
Lincoln County $340,000 $647,200
McDowell County $124,000 $647,200
Macon County $208,000 $647,200
Madison County $330,000 $647,200
Martin County $82,000 $647,200
Mecklenburg County $340,000 $647,200
Mitchell County $164,000 $647,200
Montgomery County $111,000 $647,200
Moore County $299,000 $647,200
Nash County $181,000 $647,200
New Hanover County $295,000 $647,200
Northampton County $132,000 $647,200
Onslow County $190,000 $647,200
Orange County $440,000 $647,200
Pamlico County $233,000 $647,200
Pasquotank County $700,000 $647,200
Pender County $295,000 $647,200
Perquimans County $700,000 $647,200
Person County $440,000 $647,200
Pitt County $195,000 $647,200
Polk County $289,000 $647,200
Randolph County $205,000 $647,200
Richmond County $92,000 $647,200
Robeson County $90,000 $647,200
Rockingham County $205,000 $647,200
Rowan County $340,000 $647,200
Rutherford County $165,000 $647,200
Sampson County $119,000 $647,200
Scotland County $110,000 $647,200
Stanly County $178,000 $647,200
Stokes County $210,000 $647,200
Surry County $120,000 $647,200
Swain County $272,000 $647,200
Transylvania County $285,000 $647,200
Tyrrell County $173,000 $647,200
Union County $340,000 $647,200
Vance County $123,000 $647,200
Wake County $363,000 $647,200
Warren County $175,000 $647,200
Washington County $81,000 $647,200
Watauga County $281,000 $647,200
Wayne County $172,000 $647,200
Wilkes County $137,000 $647,200
Wilson County $150,000 $647,200
Yadkin County $210,000 $647,200
Yancey County $200,000 $647,200

More on North Carolina

Want to learn more about North Carolina? See Fair Market Rents in North Carolina to view 40th percentile FMRs or click here to find a Public Housing Authority in North Carolina who can help with finding affordable housing near you.

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Data Source

HUD Seal

FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).

Last updated on January 2, 2022