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Current Mortgage Rates in NC : HSH FHA/VA Showcase

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    Mortgage Refinance rates in North Carolina

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    3.375% Rate

    FHA 30 Yr.

    3.717% APR

    $1,337 / month (est)

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    Updated 12/9/2016

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    3.875% Rate

    FHA 30 Yr.

    4.155% APR

    $1,422 / month (est)

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    Updated 12/9/2016

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    3.875% Rate

    FHA 30 Yr.

    4.155% APR

    $1,422 / month (est)

    Learn More

    Updated 12/9/2016

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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