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2026 North Carolina loan limits by county
North Carolina has 100 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Yancey County; the state median is $832,750. 0 of 100 are above the $832,750 national baseline. 91 sit at the 2026 FHA floor of $541,287.
- 100Counties listed
- $832,750Highest 1-unit conformingYancey County
- $832,750Median 1-unit conforming
- 91At FHA floorof 100
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Alamance County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Alexander County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Alleghany County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Anson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ashe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Avery County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Beaufort County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bertie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bladen County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Brunswick County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Buncombe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Burke County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cabarrus County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Caldwell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Camden County | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Carteret County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Caswell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Catawba County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chatham County | $832,750 | +$26,250 (+3.3%) | $634,800 | $1,601,750 |
| Cherokee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chowan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cleveland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Columbus County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Craven County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cumberland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Currituck County | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Dare County | $832,750 | +$26,250 (+3.3%) | $718,750 | $1,601,750 |
| Davidson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Davie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Duplin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Durham County | $832,750 | +$26,250 (+3.3%) | $634,800 | $1,601,750 |
| Edgecombe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Forsyth County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gaston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gates County | $832,750 | +$26,250 (+3.3%) | $757,850 | $1,601,750 |
| Graham County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Granville County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Greene County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Guilford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Halifax County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Harnett County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Haywood County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Henderson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hertford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hoke County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hyde County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Iredell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Johnston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jones County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lenoir County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Macon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Madison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Martin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McDowell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mecklenburg County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mitchell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montgomery County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Moore County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nash County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| New Hanover County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Northampton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Onslow County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Orange County | $832,750 | +$26,250 (+3.3%) | $634,800 | $1,601,750 |
| Pamlico County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pasquotank County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pender County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Perquimans County | $832,750 | +$26,250 (+3.3%) | $805,000 | $1,601,750 |
| Person County | $832,750 | +$26,250 (+3.3%) | $634,800 | $1,601,750 |
| Pitt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Polk County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Randolph County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Richmond County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Robeson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rockingham County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rowan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rutherford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sampson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Scotland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stanly County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stokes County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Surry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Swain County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Transylvania County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tyrrell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Union County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Vance County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Warren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Watauga County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wayne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wilkes County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wilson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Yadkin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Yancey County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.