2026 conforming loan limits
2026 conforming loan limits in North Carolina
North Carolina has 100 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for North Carolina is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $832,750.
Baseline
100
Special statutory baseline
0
High-cost area
0
Every county/equivalent in North Carolina
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Alamance County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Alexander County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Alleghany County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Anson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ashe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Avery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Beaufort County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bertie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bladen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Brunswick County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Buncombe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Burke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cabarrus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Caldwell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Camden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Carteret County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Caswell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Catawba County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Chatham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cherokee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Chowan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cleveland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Columbus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Craven County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Currituck County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dare County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Davidson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Davie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Duplin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Durham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Edgecombe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Forsyth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gaston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gates County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Graham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Granville County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Guilford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Halifax County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Harnett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Haywood County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Henderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hertford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hoke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hyde County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Iredell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Johnston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jones County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lenoir County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Macon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Martin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mcdowell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mecklenburg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mitchell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Moore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Nash County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| New Hanover County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Northampton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Onslow County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Orange County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pamlico County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pasquotank County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pender County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Perquimans County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Person County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pitt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Randolph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Richmond County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Robeson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rockingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rowan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rutherford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sampson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Scotland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Stanly County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Stokes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Surry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Swain County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Transylvania County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Tyrrell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Vance County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Watauga County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wilkes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wilson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Yadkin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Yancey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to North Carolina (NC).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for North Carolina: 100. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.