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Mortgage rates are moving again! Where are they headed? See our newest Two-Month Forecast for Mortgage Rates.

Mortgage rates are moving again! Where are they headed? See our newest Two-Month Forecast for Mortgage Rates.

Current FHA Mortgage Rates in North Carolina : HSH.com's FHA/VA Showcase

Get FHA mortgage rates

Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Featured lenders
Updated: 9/20/2019
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Featured lenders
Updated: 9/4/2019
US Bank
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FHA 30 year mortgage rates today from 4.000%

Updated: 9/20/2019
FHA 30 Yr.
FHA 30 Yr.
Rate as low as
4.686%
APR
Rate as low as
4.000%
Rate
$ 829
Monthly Payment
Show Details
Updated: 9/20/2019
FHA 30 Yr.
FHA 30 Yr.
Rate as low as
3.362%
APR
Rate as low as
3.125%
Rate
$ 643
Monthly Payment
Show Details
Updated: 9/20/2019
LoanDepot, LLC
  • Historically Low Interest Rates - $100 Billion Funded
  • Cash-Out and Debt Consolidation Options
  • No Lender Closing Cost Options Available
Updated: 9/20/2019
CloseYourOwnLoan.com
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North Carolina Mortgages

2019 FHA Loan Limits for North Carolina

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

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2019 FHA loan limits for each county in North Carolina are below.

County NameOne FamilyTwo FamilyThree FamilyFour Family
AlamanceOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
AlexanderOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
AlleghanyOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
AnsonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
AsheOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
AveryOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
BeaufortOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
BertieOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
BladenOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
BrunswickOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
BuncombeOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
BurkeOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
CabarrusOne Family$317,400Two Family$406,300Three Family$491,150Four Family$610,400
CaldwellOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
CamdenOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
CarteretOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
CaswellOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
CatawbaOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ChathamOne Family$403,650Two Family$516,750Three Family$624,600Four Family$776,250
CherokeeOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ChowanOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ClayOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ClevelandOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ColumbusOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
CravenOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
CumberlandOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
CurrituckOne Family$458,850Two Family$587,400Three Family$710,050Four Family$882,400
DareOne Family$391,000Two Family$500,550Three Family$605,050Four Family$751,900
DavidsonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
DavieOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
DuplinOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
DurhamOne Family$403,650Two Family$516,750Three Family$624,600Four Family$776,250
EdgecombeOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ForsythOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
FranklinOne Family$339,250Two Family$434,300Three Family$524,950Four Family$652,400
GastonOne Family$317,400Two Family$406,300Three Family$491,150Four Family$610,400
GatesOne Family$458,850Two Family$587,400Three Family$710,050Four Family$882,400
GrahamOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
GranvilleOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
GreeneOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
GuilfordOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
HalifaxOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
HarnettOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
HaywoodOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
HendersonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
HertfordOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
HokeOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
HydeOne Family$483,000Two Family$618,300Three Family$747,400Four Family$928,850
IredellOne Family$317,400Two Family$406,300Three Family$491,150Four Family$610,400
JacksonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
JohnstonOne Family$339,250Two Family$434,300Three Family$524,950Four Family$652,400
JonesOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
LeeOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
LenoirOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
LincolnOne Family$317,400Two Family$406,300Three Family$491,150Four Family$610,400
MaconOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
MadisonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
MartinOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
McdowellOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
MecklenburgOne Family$317,400Two Family$406,300Three Family$491,150Four Family$610,400
MitchellOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
MontgomeryOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
MooreOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
NashOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
New HanoverOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
NorthamptonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
OnslowOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
OrangeOne Family$403,650Two Family$516,750Three Family$624,600Four Family$776,250
PamlicoOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
PasquotankOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
PenderOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
PerquimansOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
PersonOne Family$403,650Two Family$516,750Three Family$624,600Four Family$776,250
PittOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
PolkOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
RandolphOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
RichmondOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
RobesonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
RockinghamOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
RowanOne Family$317,400Two Family$406,300Three Family$491,150Four Family$610,400
RutherfordOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
SampsonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ScotlandOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
StanlyOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
StokesOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
SurryOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
SwainOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
TransylvaniaOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
TyrrellOne Family$391,000Two Family$500,550Three Family$605,050Four Family$751,900
UnionOne Family$317,400Two Family$406,300Three Family$491,150Four Family$610,400
VanceOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
WakeOne Family$339,250Two Family$434,300Three Family$524,950Four Family$652,400
WarrenOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
WashingtonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
WataugaOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
WayneOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
WilkesOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
WilsonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
YadkinOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
YanceyOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525