2025 Loan limits in North Carolina by county. Click on the map below to view loan limits for a particular county.
North Carolina Map
Loan Limits are the same across all of North Carolina. The conforming loan limits for a single-family home anywhere in North Carolina is $806,500.
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 that fall between the national baseline and the ceiling.
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)
| County | Median Home Price | Conforming Loan Limit for Single-Family Home |
|---|---|---|
| Alamance County | $280,000 | $806,500 |
| Alexander County | $248,000 | $806,500 |
| Alleghany County | $134,000 | $806,500 |
| Anson County | $423,000 | $806,500 |
| Ashe County | $197,000 | $806,500 |
| Avery County | $220,000 | $806,500 |
| Beaufort County | $181,000 | $806,500 |
| Bertie County | $75,000 | $806,500 |
| Bladen County | $115,000 | $806,500 |
| Brunswick County | $339,000 | $806,500 |
| Buncombe County | $430,000 | $806,500 |
| Burke County | $248,000 | $806,500 |
| Cabarrus County | $423,000 | $806,500 |
| Caldwell County | $248,000 | $806,500 |
| Camden County | $700,000 | $806,500 |
| Carteret County | $370,000 | $806,500 |
| Caswell County | $145,000 | $806,500 |
| Catawba County | $248,000 | $806,500 |
| Chatham County | $550,000 | $806,500 |
| Cherokee County | $184,000 | $806,500 |
| Chowan County | $220,000 | $806,500 |
| Clay County | $221,000 | $806,500 |
| Cleveland County | $180,000 | $806,500 |
| Columbus County | $120,000 | $806,500 |
| Craven County | $275,000 | $806,500 |
| Cumberland County | $315,000 | $806,500 |
| Currituck County | $659,000 | $806,500 |
| Dare County | $577,000 | $806,500 |
| Davidson County | $255,000 | $806,500 |
| Davie County | $255,000 | $806,500 |
| Duplin County | $125,000 | $806,500 |
| Durham County | $550,000 | $806,500 |
| Edgecombe County | $220,000 | $806,500 |
| Forsyth County | $255,000 | $806,500 |
| Franklin County | $461,000 | $806,500 |
| Gaston County | $423,000 | $806,500 |
| Gates County | $659,000 | $806,500 |
| Graham County | $180,000 | $806,500 |
| Granville County | $550,000 | $806,500 |
| Greene County | $130,000 | $806,500 |
| Guilford County | $268,000 | $806,500 |
| Halifax County | $132,000 | $806,500 |
| Harnett County | $315,000 | $806,500 |
| Haywood County | $430,000 | $806,500 |
| Henderson County | $430,000 | $806,500 |
| Hertford County | $120,000 | $806,500 |
| Hoke County | $315,000 | $806,500 |
| Hyde County | $420,000 | $806,500 |
| Iredell County | $423,000 | $806,500 |
| Jackson County | $335,000 | $806,500 |
| Johnston County | $461,000 | $806,500 |
| Jones County | $275,000 | $806,500 |
| Lee County | $295,000 | $806,500 |
| Lenoir County | $133,000 | $806,500 |
| Lincoln County | $423,000 | $806,500 |
| McDowell County | $135,000 | $806,500 |
| Macon County | $265,000 | $806,500 |
| Madison County | $430,000 | $806,500 |
| Martin County | $82,000 | $806,500 |
| Mecklenburg County | $423,000 | $806,500 |
| Mitchell County | $180,000 | $806,500 |
| Montgomery County | $111,000 | $806,500 |
| Moore County | $386,000 | $806,500 |
| Nash County | $220,000 | $806,500 |
| New Hanover County | $412,000 | $806,500 |
| Northampton County | $132,000 | $806,500 |
| Onslow County | $258,000 | $806,500 |
| Orange County | $550,000 | $806,500 |
| Pamlico County | $275,000 | $806,500 |
| Pasquotank County | $700,000 | $806,500 |
| Pender County | $412,000 | $806,500 |
| Perquimans County | $700,000 | $806,500 |
| Person County | $550,000 | $806,500 |
| Pitt County | $239,000 | $806,500 |
| Polk County | $385,000 | $806,500 |
| Randolph County | $268,000 | $806,500 |
| Richmond County | $114,000 | $806,500 |
| Robeson County | $114,000 | $806,500 |
| Rockingham County | $268,000 | $806,500 |
| Rowan County | $423,000 | $806,500 |
| Rutherford County | $214,000 | $806,500 |
| Sampson County | $119,000 | $806,500 |
| Scotland County | $110,000 | $806,500 |
| Stanly County | $270,000 | $806,500 |
| Stokes County | $255,000 | $806,500 |
| Surry County | $148,000 | $806,500 |
| Swain County | $335,000 | $806,500 |
| Transylvania County | $365,000 | $806,500 |
| Tyrrell County | $173,000 | $806,500 |
| Union County | $423,000 | $806,500 |
| Vance County | $140,000 | $806,500 |
| Wake County | $461,000 | $806,500 |
| Warren County | $200,000 | $806,500 |
| Washington County | $91,000 | $806,500 |
| Watauga County | $396,000 | $806,500 |
| Wayne County | $175,000 | $806,500 |
| Wilkes County | $166,000 | $806,500 |
| Wilson County | $175,000 | $806,500 |
| Yadkin County | $255,000 | $806,500 |
| Yancey County | $225,000 | $806,500 |
More on North Carolina
- Fair Market Rents to view 40th percentile FMRs in North Carolina
- Property Taxes to find Property Taxes in North Carolina
- Income Limits to learn more about income assistance in North Carolina
- Housing Authorites to find Housing Authorities in North Carolina
Citation
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Data Source
FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).
Last updated on January 5, 2025