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Current Mortgage Rates in NC: HSH FHA/VA Showcase

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Mortgage refinance rates in North Carolina

3.125% Rate

FHA 15 Yr.

3.550% APR

$1,393 / month (est)

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Updated 10/30/2014

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North Carolina Mortgages

North Carolina FHA Mortgage

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For North Carolina, 84 counties have an FHA loan limit of $271,050 and the remaining 16 counties range from $274,850 to $625,500.

As of January 1, 2014, HUD approves new lower loan limits to take effect for FHA single-family loans. The current standard loan limit for areas where housing costs are relatively low will remain unchanged at $271,050. The new national-ceiling loan limit for the very highest cost areas will be reduced from $729,750 to $625,500. See the chart below for loan limits in your county.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
Alamance $271,050 $347,000 $419,425 $521,250 $128,000
Alexander $271,050 $347,000 $419,425 $521,250 $125,000
Alleghany $271,050 $347,000 $419,425 $521,250 $63,000
Anson $271,050 $347,000 $419,425 $521,250 $50,000
Ashe $271,050 $347,000 $419,425 $521,250 $60,000
Avery $271,050 $347,000 $419,425 $521,250 $120,000
Beaufort $271,050 $347,000 $419,425 $521,250 $118,000
Bertie $271,050 $347,000 $419,425 $521,250 $42,000
Bladen $271,050 $347,000 $419,425 $521,250 $63,000
Brunswick $271,050 $347,000 $419,425 $521,250 $175,000
Buncombe $271,050 $347,000 $419,425 $521,250 $200,000
Burke $271,050 $347,000 $419,425 $521,250 $125,000
Cabarrus $271,050 $347,000 $419,425 $521,250 $223,000
Caldwell $271,050 $347,000 $419,425 $521,250 $125,000
Camden $625,500 $800,775 $967,950 $1,202,925 $206,000
Carteret $271,050 $347,000 $419,425 $521,250 $200,000
Caswell $271,050 $347,000 $419,425 $521,250 $68,000
Catawba $271,050 $347,000 $419,425 $521,250 $125,000
Chatham $334,650 $428,400 $517,850 $643,550 $269,000
Cherokee $271,050 $347,000 $419,425 $521,250 $69,000
Chowan $271,050 $347,000 $419,425 $521,250 $100,000
Clay $271,050 $347,000 $419,425 $521,250 $124,000
Cleveland $271,050 $347,000 $419,425 $521,250 $73,000
Columbus $271,050 $347,000 $419,425 $521,250 $40,000
Craven $271,050 $347,000 $419,425 $521,250 $146,000
Cumberland $271,050 $347,000 $419,425 $521,250 $140,000
Currituck $458,850 $587,400 $710,050 $882,400 $307,000
Dare $391,000 $500,550 $605,050 $751,900 $273,000
Davidson $271,050 $347,000 $419,425 $521,250 $139,000
Davie $271,050 $347,000 $419,425 $521,250 $139,000
Duplin $271,050 $347,000 $419,425 $521,250 $58,000
Durham $334,650 $428,400 $517,850 $643,550 $269,000
Edgecombe $271,050 $347,000 $419,425 $521,250 $105,000
Forsyth $271,050 $347,000 $419,425 $521,250 $139,000
Franklin $280,600 $359,200 $434,200 $539,600 $225,000
Gaston $271,050 $347,000 $419,425 $521,250 $223,000
Gates $458,850 $587,400 $710,050 $882,400 $307,000
Graham $271,050 $347,000 $419,425 $521,250 $89,000
Granville $271,050 $347,000 $419,425 $521,250 $140,000
Greene $271,050 $347,000 $419,425 $521,250 $51,000
Guilford $271,050 $347,000 $419,425 $521,250 $146,000
Halifax $271,050 $347,000 $419,425 $521,250 $55,000
Harnett $271,050 $347,000 $419,425 $521,250 $152,000
Haywood $271,050 $347,000 $419,425 $521,250 $200,000
Henderson $271,050 $347,000 $419,425 $521,250 $200,000
Hertford $271,050 $347,000 $419,425 $521,250 $82,000
Hoke $271,050 $347,000 $419,425 $521,250 $140,000
Hyde $483,000 $618,300 $747,400 $928,850 $58,000
Iredell $271,050 $347,000 $419,425 $521,250 $223,000
Jackson $271,050 $347,000 $419,425 $521,250 $190,000
Johnston $280,600 $359,200 $434,200 $539,600 $225,000
Jones $271,050 $347,000 $419,425 $521,250 $146,000
Lee $271,050 $347,000 $419,425 $521,250 $120,000
Lenoir $271,050 $347,000 $419,425 $521,250 $69,000
Lincoln $271,050 $347,000 $419,425 $521,250 $223,000
Macon $271,050 $347,000 $419,425 $521,250 $135,000
Madison $271,050 $347,000 $419,425 $521,250 $200,000
Martin $271,050 $347,000 $419,425 $521,250 $64,000
Mcdowell $271,050 $347,000 $419,425 $521,250 $73,000
Mecklenburg $271,050 $347,000 $419,425 $521,250 $223,000
Mitchell $271,050 $347,000 $419,425 $521,250 $105,000
Montgomery $271,050 $347,000 $419,425 $521,250 $40,000
Moore $271,050 $347,000 $419,425 $521,250 $200,000
Nash $271,050 $347,000 $419,425 $521,250 $105,000
New Hanover $271,050 $347,000 $419,425 $521,250 $189,000
Northampton $271,050 $347,000 $419,425 $521,250 $55,000
Onslow $271,050 $347,000 $419,425 $521,250 $165,000
Orange $334,650 $428,400 $517,850 $643,550 $269,000
Pamlico $271,050 $347,000 $419,425 $521,250 $146,000
Pasquotank $625,500 $800,775 $967,950 $1,202,925 $206,000
Pender $271,050 $347,000 $419,425 $521,250 $189,000
Perquimans $625,500 $800,775 $967,950 $1,202,925 $206,000
Person $334,650 $428,400 $517,850 $643,550 $269,000
Pitt $271,050 $347,000 $419,425 $521,250 $128,000
Polk $271,050 $347,000 $419,425 $521,250 $150,000
Randolph $271,050 $347,000 $419,425 $521,250 $146,000
Richmond $271,050 $347,000 $419,425 $521,250 $62,000
Robeson $271,050 $347,000 $419,425 $521,250 $55,000
Rockingham $271,050 $347,000 $419,425 $521,250 $146,000
Rowan $271,050 $347,000 $419,425 $521,250 $223,000
Rutherford $271,050 $347,000 $419,425 $521,250 $82,000
Sampson $271,050 $347,000 $419,425 $521,250 $32,000
Scotland $271,050 $347,000 $419,425 $521,250 $75,000
Stanly $271,050 $347,000 $419,425 $521,250 $106,000
Stokes $271,050 $347,000 $419,425 $521,250 $139,000
Surry $271,050 $347,000 $419,425 $521,250 $88,000
Swain $271,050 $347,000 $419,425 $521,250 $80,000
Transylvania $271,050 $347,000 $419,425 $521,250 $164,000
Tyrrell $391,000 $500,550 $605,050 $751,900 $273,000
Union $271,050 $347,000 $419,425 $521,250 $223,000
Vance $271,050 $347,000 $419,425 $521,250 $49,000
Wake $280,600 $359,200 $434,200 $539,600 $225,000
Warren $271,050 $347,000 $419,425 $521,250 $126,000
Washington $271,050 $347,000 $419,425 $521,250 $45,000
Watauga $274,850 $351,850 $425,300 $528,550 $210,000
Wayne $271,050 $347,000 $419,425 $521,250 $72,000
Wilkes $271,050 $347,000 $419,425 $521,250 $87,000
Wilson $271,050 $347,000 $419,425 $521,250 $102,000
Yadkin $271,050 $347,000 $419,425 $521,250 $139,000
Yancey $271,050 $347,000 $419,425 $521,250 $89,000