North Carolina · FIPS 37073
2026 loan limits in Gates County, North Carolina
The 2026 conforming loan limit for a one-unit home in Gates County is $832,750, which is the national baseline. The 2026 FHA limit is $757,850 (a high-cost FHA area).
- $832,750Conforming, 1 unit (2026)+$26,250 (+3.3%) vs 2025
- $757,850FHA, 1 unit (2026)no change vs 2025
- $832,750VA, partial entitlement basisFull entitlement: no limit
- 1 of 100Rank in North Carolinaby one-unit conforming limit
| Property | Conforming 2026 | Conforming 2025 | Change | FHA 2026 | FHA 2025 |
|---|---|---|---|---|---|
| 1 unit | $832,750 | $806,500 | +$26,250 (+3.3%) | $757,850 | $757,850 |
| 2 units | $1,066,250 | $1,032,650 | +$33,600 (+3.3%) | $970,200 | $970,200 |
| 3 units | $1,288,800 | $1,248,150 | +$40,650 (+3.3%) | $1,172,750 | $1,172,750 |
| 4 units | $1,601,750 | $1,551,250 | +$50,500 (+3.3%) | $1,457,450 | $1,457,450 |
How Gates County compares
- North Carolina median one-unit conforming limit: $832,750 across 100 counties. This county is equal to the state median.
- National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is at the baseline.
- HUD area: Virginia Beach-Chesapeake-Norfolk, VA-NC (CBSA 47260). Median sale price HUD used to set the 2026 FHA limit: $630,000.
Other counties in the same metro area
Counties in one metro area share one conforming limit.
- Camden County, NC
- Currituck County, NC
- Chesapeake city, VA
- Gloucester County, VA
- Hampton city, VA
- Isle of Wight County, VA
- James City County, VA
- Mathews County, VA
- Newport News city, VA
- Norfolk city, VA
- Poquoson city, VA
- Portsmouth city, VA
- Suffolk city, VA
- Surry County, VA
- Virginia Beach city, VA
- Williamsburg city, VA
- York County, VA
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.
- HUD CY2025 FHA limits file, dated March 6, 2025.
- U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.