LoanGraphs

North Carolina Loan Limits & Housing Market

2026 conforming and FHA loan limits for all 100 North Carolina counties, plus monthly housing market data and affordability analysis.

NC

Conforming Limit (1-Unit)

$832,750

2026 baseline

Counties

100

With loan limit data

Data Coverage

Monthly

Updated with latest data

North Carolina Counties

County FIPS Code Conforming Limit (1-Unit)
Alamance County37001$832,750
Alexander County37003$832,750
Alleghany County37005$832,750
Anson County37007$832,750
Ashe County37009$832,750
Avery County37011$832,750
Beaufort County37013$832,750
Bertie County37015$832,750
Bladen County37017$832,750
Brunswick County37019$832,750
Buncombe County37021$832,750
Burke County37023$832,750
Cabarrus County37025$832,750
Caldwell County37027$832,750
Camden County37029$832,750
Carteret County37031$832,750
Caswell County37033$832,750
Catawba County37035$832,750
Chatham County37037$832,750
Cherokee County37039$832,750
Chowan County37041$832,750
Clay County37043$832,750
Cleveland County37045$832,750
Columbus County37047$832,750
Craven County37049$832,750
Cumberland County37051$832,750
Currituck County37053$832,750
Dare County37055$832,750
Davidson County37057$832,750
Davie County37059$832,750
Duplin County37061$832,750
Durham County37063$832,750
Edgecombe County37065$832,750
Forsyth County37067$832,750
Franklin County37069$832,750
Gaston County37071$832,750
Gates County37073$832,750
Graham County37075$832,750
Granville County37077$832,750
Greene County37079$832,750
Guilford County37081$832,750
Halifax County37083$832,750
Harnett County37085$832,750
Haywood County37087$832,750
Henderson County37089$832,750
Hertford County37091$832,750
Hoke County37093$832,750
Hyde County37095$832,750
Iredell County37097$832,750
Jackson County37099$832,750
Johnston County37101$832,750
Jones County37103$832,750
Lee County37105$832,750
Lenoir County37107$832,750
Lincoln County37109$832,750
Macon County37113$832,750
Madison County37115$832,750
Martin County37117$832,750
McDowell County37111$832,750
Mecklenburg County37119$832,750
Mitchell County37121$832,750
Montgomery County37123$832,750
Moore County37125$832,750
Nash County37127$832,750
New Hanover County37129$832,750
Northampton County37131$832,750
Onslow County37133$832,750
Orange County37135$832,750
Pamlico County37137$832,750
Pasquotank County37139$832,750
Pender County37141$832,750
Perquimans County37143$832,750
Person County37145$832,750
Pitt County37147$832,750
Polk County37149$832,750
Randolph County37151$832,750
Richmond County37153$832,750
Robeson County37155$832,750
Rockingham County37157$832,750
Rowan County37159$832,750
Rutherford County37161$832,750
Sampson County37163$832,750
Scotland County37165$832,750
Stanly County37167$832,750
Stokes County37169$832,750
Surry County37171$832,750
Swain County37173$832,750
Transylvania County37175$832,750
Tyrrell County37177$832,750
Union County37179$832,750
Vance County37181$832,750
Wake County37183$832,750
Warren County37185$832,750
Washington County37187$832,750
Watauga County37189$832,750
Wayne County37191$832,750
Wilkes County37193$832,750
Wilson County37195$832,750
Yadkin County37197$832,750
Yancey County37199$832,750

Mortgage Calculator

Estimate your monthly payment for a home in North Carolina.

%
%

Estimated Monthly Payment

$2,935

Principal & Interest$2,335
Property Tax$450
Insurance$150
Loan Amount$360,000
Total Interest$480,582
Income Required$125,784/yr

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