2026 conforming loan limits · North Carolina
All 100 counties in North Carolina use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
North Carolina at a glance
| Metric | Value |
|---|---|
| Counties | 100 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 100 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in North Carolina carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Alamance County | BURLINGTON, NC | $832,750 | $541,287 | $291,463 |
| Alexander County | HICKORY-LENOIR-MORGANTON, NC | $832,750 | $541,287 | $291,463 |
| Alleghany County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Anson County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
| Ashe County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Avery County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Beaufort County | WASHINGTON, NC | $832,750 | $541,287 | $291,463 |
| Bertie County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Bladen County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Brunswick County | WILMINGTON, NC | $832,750 | $541,287 | $291,463 |
| Buncombe County | ASHEVILLE, NC | $832,750 | $541,287 | $291,463 |
| Burke County | HICKORY-LENOIR-MORGANTON, NC | $832,750 | $541,287 | $291,463 |
| Cabarrus County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
| Caldwell County | HICKORY-LENOIR-MORGANTON, NC | $832,750 | $541,287 | $291,463 |
| Camden County | VIRGINIA BEACH-CHESAPEAKE-NORFOLK, VA-NC | $832,750 | $757,850 | $74,900 |
| Carteret County | MOREHEAD CITY, NC | $832,750 | $541,287 | $291,463 |
| Caswell County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Catawba County | HICKORY-LENOIR-MORGANTON, NC | $832,750 | $541,287 | $291,463 |
| Chatham County | DURHAM-CHAPEL HILL, NC | $832,750 | $634,800 | $197,950 |
| Cherokee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Chowan County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clay County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cleveland County | SHELBY-KINGS MOUNTAIN, NC | $832,750 | $541,287 | $291,463 |
| Columbus County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Craven County | NEW BERN, NC | $832,750 | $541,287 | $291,463 |
| Cumberland County | FAYETTEVILLE, NC | $832,750 | $541,287 | $291,463 |
| Currituck County | VIRGINIA BEACH-CHESAPEAKE-NORFOLK, VA-NC | $832,750 | $757,850 | $74,900 |
| Dare County | KILL DEVIL HILLS, NC | $832,750 | $718,750 | $114,000 |
| Davidson County | WINSTON-SALEM, NC | $832,750 | $541,287 | $291,463 |
| Davie County | WINSTON-SALEM, NC | $832,750 | $541,287 | $291,463 |
| Duplin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Durham County | DURHAM-CHAPEL HILL, NC | $832,750 | $634,800 | $197,950 |
| Edgecombe County | ROCKY MOUNT, NC | $832,750 | $541,287 | $291,463 |
| Forsyth County | WINSTON-SALEM, NC | $832,750 | $541,287 | $291,463 |
| Franklin County | RALEIGH-CARY, NC | $832,750 | $541,287 | $291,463 |
| Gaston County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
| Gates County | VIRGINIA BEACH-CHESAPEAKE-NORFOLK, VA-NC | $832,750 | $757,850 | $74,900 |
| Graham County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Granville County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Greene County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Guilford County | GREENSBORO-HIGH POINT, NC | $832,750 | $541,287 | $291,463 |
| Halifax County | ROANOKE RAPIDS, NC | $832,750 | $541,287 | $291,463 |
| Harnett County | ANDERSON CREEK, NC | $832,750 | $541,287 | $291,463 |
| Haywood County | WAYNESVILLE, NC | $832,750 | $541,287 | $291,463 |
| Henderson County | ASHEVILLE, NC | $832,750 | $541,287 | $291,463 |
| Hertford County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hoke County | FAYETTEVILLE, NC | $832,750 | $541,287 | $291,463 |
| Hyde County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Iredell County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
| Jackson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Johnston County | RALEIGH-CARY, NC | $832,750 | $541,287 | $291,463 |
| Jones County | NEW BERN, NC | $832,750 | $541,287 | $291,463 |
| Lee County | SANFORD, NC | $832,750 | $541,287 | $291,463 |
| Lenoir County | KINSTON, NC | $832,750 | $541,287 | $291,463 |
| Lincoln County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
| Mcdowell County | MARION, NC | $832,750 | $541,287 | $291,463 |
| Macon County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Madison County | ASHEVILLE, NC | $832,750 | $541,287 | $291,463 |
| Martin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Mecklenburg County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
| Mitchell County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Montgomery County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Moore County | PINEHURST-SOUTHERN PINES, NC | $832,750 | $541,287 | $291,463 |
| Nash County | ROCKY MOUNT, NC | $832,750 | $541,287 | $291,463 |
| New Hanover County | WILMINGTON, NC | $832,750 | $541,287 | $291,463 |
| Northampton County | ROANOKE RAPIDS, NC | $832,750 | $541,287 | $291,463 |
| Onslow County | JACKSONVILLE, NC | $832,750 | $541,287 | $291,463 |
| Orange County | DURHAM-CHAPEL HILL, NC | $832,750 | $634,800 | $197,950 |
| Pamlico County | NEW BERN, NC | $832,750 | $541,287 | $291,463 |
| Pasquotank County | ELIZABETH CITY, NC | $832,750 | $541,287 | $291,463 |
| Pender County | WILMINGTON, NC | $832,750 | $541,287 | $291,463 |
| Perquimans County | Rural / Non-metro | $832,750 | $805,000 | $27,750 |
| Person County | DURHAM-CHAPEL HILL, NC | $832,750 | $634,800 | $197,950 |
| Pitt County | GREENVILLE, NC | $832,750 | $541,287 | $291,463 |
| Polk County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Randolph County | GREENSBORO-HIGH POINT, NC | $832,750 | $541,287 | $291,463 |
| Richmond County | ROCKINGHAM, NC | $832,750 | $541,287 | $291,463 |
| Robeson County | LUMBERTON, NC | $832,750 | $541,287 | $291,463 |
| Rockingham County | GREENSBORO-HIGH POINT, NC | $832,750 | $541,287 | $291,463 |
| Rowan County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
| Rutherford County | FOREST CITY, NC | $832,750 | $541,287 | $291,463 |
| Sampson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Scotland County | LAURINBURG, NC | $832,750 | $541,287 | $291,463 |
| Stanly County | ALBEMARLE, NC | $832,750 | $541,287 | $291,463 |
| Stokes County | WINSTON-SALEM, NC | $832,750 | $541,287 | $291,463 |
| Surry County | MOUNT AIRY, NC | $832,750 | $541,287 | $291,463 |
| Swain County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Transylvania County | BREVARD, NC | $832,750 | $541,287 | $291,463 |
| Tyrrell County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Union County | CHARLOTTE-CONCORD-GASTONIA, NC-SC | $832,750 | $541,287 | $291,463 |
| Vance County | HENDERSON, NC | $832,750 | $541,287 | $291,463 |
| Wake County | RALEIGH-CARY, NC | $832,750 | $541,287 | $291,463 |
| Warren County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Washington County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Watauga County | BOONE, NC | $832,750 | $541,287 | $291,463 |
| Wayne County | GOLDSBORO, NC | $832,750 | $541,287 | $291,463 |
| Wilkes County | NORTH WILKESBORO, NC | $832,750 | $541,287 | $291,463 |
| Wilson County | WILSON, NC | $832,750 | $541,287 | $291,463 |
| Yadkin County | WINSTON-SALEM, NC | $832,750 | $541,287 | $291,463 |
| Yancey County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Alamance County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Alexander County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Alleghany County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Anson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ashe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Avery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Beaufort County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bertie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bladen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brunswick County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Buncombe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Burke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cabarrus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Caldwell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Camden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carteret County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Caswell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Catawba County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chatham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cherokee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chowan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cleveland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Craven County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Currituck County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dare County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Davidson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Davie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Duplin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Durham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Edgecombe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Forsyth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gaston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gates County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Graham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Granville County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Guilford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Halifax County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harnett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Haywood County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hertford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hoke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hyde County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Iredell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Johnston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jones County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lenoir County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mcdowell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Macon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Martin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mecklenburg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mitchell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Moore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nash County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| New Hanover County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Northampton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Onslow County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pamlico County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pasquotank County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pender County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Perquimans County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Person County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pitt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Randolph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Richmond County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Robeson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rockingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rowan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rutherford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sampson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Scotland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stanly County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stokes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Surry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Swain County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Transylvania County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tyrrell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Vance County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Watauga County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilkes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yadkin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yancey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)