North Carolina FHA Loan Limits 2026

View FHA loan limits for all 100 counties in North Carolina. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

100

Lowest Limit

$541,287

Highest Limit

$805,000

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.North Carolina has 91 standard-limit counties and 9 high-cost areas. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Alamance Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Alexander Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Alleghany Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Anson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ashe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Avery County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Beaufort Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bertie County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bladen County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brunswick Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Buncombe Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Burke County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cabarrus Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Caldwell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Camden County	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Carteret Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Caswell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Catawba County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chatham County	$634,800	$812,650	$982,300	$1,220,800	High-Cost	Calculate
Cherokee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chowan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cleveland Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Columbus Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Craven County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cumberland Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Currituck Coun	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Dare County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Davidson Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Davie County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Duplin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Durham County	$634,800	$812,650	$982,300	$1,220,800	High-Cost	Calculate
Edgecombe Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Forsyth County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gaston County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gates County	$757,850	$970,200	$1,172,750	$1,457,450	High-Cost	Calculate
Graham County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Granville Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greene County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Guilford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Halifax County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harnett County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Haywood County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Henderson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hertford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hoke County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hyde County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Iredell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Johnston Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jones County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lenoir County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Macon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Martin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcdowell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mecklenburg Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mitchell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montgomery Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Moore County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nash County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
New Hanover Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Northampton Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Onslow County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Orange County	$634,800	$812,650	$982,300	$1,220,800	High-Cost	Calculate
Pamlico County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pasquotank Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pender County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Perquimans Cou	$805,000	$1,030,550	$1,245,700	$1,548,100	High-Cost	Calculate
Person County	$634,800	$812,650	$982,300	$1,220,800	High-Cost	Calculate
Pitt County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Polk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Randolph Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Richmond Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Robeson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rockingham Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rowan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rutherford Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sampson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Scotland Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stanly County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stokes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Surry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Swain County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Transylvania C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tyrrell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Union County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Vance County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wake County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Warren County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Watauga County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wayne County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wilkes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wilson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Yadkin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Yancey County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in North Carolina

Use the calculator below with North Carolina pre-selected. Choose your county to see the exact FHA limit that applies to you.

Back to Tools

FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

Free, no obligation. Local professionals compete to help you.

Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

Mortgage DTI Closing Costs Down Payment Amortization First-Time Buyer Rent vs Buy

Understanding FHA Loan Limits in North Carolina

FHA loan limits in North Carolina vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, North Carolina's single-family FHA limits range from $541,287 to $805,000.

The variation in limits reflects differences in median home prices across North Carolina's counties. 9 counties are designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.