North Carolina Loan Limits

2021 Loan Limits

2021 Loan limits in North Carolina by county. Click on the map or table below to view loan limits for a particular county.

North Carolina Map

Minimum Loan Limit
Maximum Loan Limit

North Carolina has 100 counties, with conforming loan limits for a single-family home ranging from $548,250 in Alamance County to $625,500 in Pasquotank County.

North Carolina has 97 counties with standard or low-cost loan limits equal to the national baseline; 0 counties with high-cost loan limits equal to the national ceiling; and 3 counties with mid-range loan limits that are between the baseline and ceiling.

View the loan limits overview for information on how loan limits are set for each county. Click on the a specific county from the table below for detailed loan limit information.

Counties in North Carolina (100)

Mid-Range Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Camden County $700,000 $625,500
Pasquotank County $700,000 $625,500
Perquimans County $700,000 $625,500

Low-Cost Counties

County Median Home Price Conforming Loan Limit for
Single-Family Home
Alamance County $175,000 $548,250
Alexander County $155,000 $548,250
Alleghany County $134,000 $548,250
Anson County $304,000 $548,250
Ashe County $197,000 $548,250
Avery County $180,000 $548,250
Beaufort County $155,000 $548,250
Bertie County $75,000 $548,250
Bladen County $104,000 $548,250
Brunswick County $235,000 $548,250
Buncombe County $285,000 $548,250
Burke County $155,000 $548,250
Cabarrus County $304,000 $548,250
Caldwell County $155,000 $548,250
Carteret County $240,000 $548,250
Caswell County $125,000 $548,250
Catawba County $155,000 $548,250
Chatham County $380,000 $548,250
Cherokee County $155,000 $548,250
Chowan County $144,000 $548,250
Clay County $196,000 $548,250
Cleveland County $110,000 $548,250
Columbus County $95,000 $548,250
Craven County $190,000 $548,250
Cumberland County $195,000 $548,250
Currituck County $399,000 $548,250
Dare County $345,000 $548,250
Davidson County $180,000 $548,250
Davie County $180,000 $548,250
Duplin County $115,000 $548,250
Durham County $380,000 $548,250
Edgecombe County $181,000 $548,250
Forsyth County $180,000 $548,250
Franklin County $323,000 $548,250
Gaston County $304,000 $548,250
Gates County $399,000 $548,250
Graham County $132,000 $548,250
Granville County $380,000 $548,250
Greene County $114,000 $548,250
Guilford County $180,000 $548,250
Halifax County $132,000 $548,250
Harnett County $195,000 $548,250
Haywood County $285,000 $548,250
Henderson County $285,000 $548,250
Hertford County $120,000 $548,250
Hoke County $195,000 $548,250
Hyde County $420,000 $548,250
Iredell County $304,000 $548,250
Jackson County $257,000 $548,250
Johnston County $323,000 $548,250
Jones County $190,000 $548,250
Lee County $168,000 $548,250
Lenoir County $133,000 $548,250
Lincoln County $304,000 $548,250
McDowell County $124,000 $548,250
Macon County $180,000 $548,250
Madison County $285,000 $548,250
Martin County $72,000 $548,250
Mecklenburg County $304,000 $548,250
Mitchell County $140,000 $548,250
Montgomery County $111,000 $548,250
Moore County $263,000 $548,250
Nash County $181,000 $548,250
New Hanover County $269,000 $548,250
Northampton County $132,000 $548,250
Onslow County $180,000 $548,250
Orange County $380,000 $548,250
Pamlico County $190,000 $548,250
Pender County $269,000 $548,250
Person County $380,000 $548,250
Pitt County $170,000 $548,250
Polk County $260,000 $548,250
Randolph County $180,000 $548,250
Richmond County $90,000 $548,250
Robeson County $90,000 $548,250
Rockingham County $180,000 $548,250
Rowan County $304,000 $548,250
Rutherford County $139,000 $548,250
Sampson County $119,000 $548,250
Scotland County $110,000 $548,250
Stanly County $159,000 $548,250
Stokes County $180,000 $548,250
Surry County $120,000 $548,250
Swain County $257,000 $548,250
Transylvania County $245,000 $548,250
Tyrrell County $173,000 $548,250
Union County $304,000 $548,250
Vance County $123,000 $548,250
Wake County $323,000 $548,250
Warren County $175,000 $548,250
Washington County $75,000 $548,250
Watauga County $255,000 $548,250
Wayne County $172,000 $548,250
Wilkes County $124,000 $548,250
Wilson County $131,000 $548,250
Yadkin County $180,000 $548,250
Yancey County $180,000 $548,250

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Data Source

HUD Seal

FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).

Last updated on January 2, 2021