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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

Current FHA Mortgage Rates in NC - North Carolina FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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North Carolina Mortgages

2022 FHA Loan Limits for North Carolina

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners 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.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

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 2022 FHA loan limits for each county in North Carolina are below.

County Name One Family Two Family Three Family Four Family
Alamance One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Alexander One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Alleghany One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Anson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ashe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Avery One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Beaufort One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bertie One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bladen One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Brunswick One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Buncombe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Burke One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cabarrus One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Caldwell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Camden One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Carteret One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Caswell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Catawba One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chatham One Family$506,000 Two Family$647,750 Three Family$783,000 Four Family$973,100
Cherokee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chowan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clay One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cleveland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Columbus One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Craven One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cumberland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Currituck One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Dare One Family$471,500 Two Family$603,600 Three Family$729,600 Four Family$906,750
Davidson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Davie One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Duplin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Durham One Family$506,000 Two Family$647,750 Three Family$783,000 Four Family$973,100
Edgecombe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Forsyth One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Franklin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gaston One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gates One Family$488,750 Two Family$625,700 Three Family$756,300 Four Family$939,900
Graham One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Granville One Family$506,000 Two Family$647,750 Three Family$783,000 Four Family$973,100
Greene One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Guilford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Halifax One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Harnett One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Haywood One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Henderson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hertford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hoke One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hyde One Family$483,000 Two Family$618,300 Three Family$747,400 Four Family$928,850
Iredell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jackson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Johnston One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jones One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lenoir One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lincoln One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Macon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Madison One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Martin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mcdowell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mecklenburg One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mitchell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Montgomery One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Moore One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Nash One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
New Hanover One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Northampton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Onslow One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Orange One Family$506,000 Two Family$647,750 Three Family$783,000 Four Family$973,100
Pamlico One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pasquotank One Family$805,000 Two Family$1,030,550 Three Family$1,245,700 Four Family$1,548,100
Pender One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Perquimans One Family$805,000 Two Family$1,030,550 Three Family$1,245,700 Four Family$1,548,100
Person One Family$506,000 Two Family$647,750 Three Family$783,000 Four Family$973,100
Pitt One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Polk One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Randolph One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Richmond One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Robeson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rockingham One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rowan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rutherford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Sampson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Scotland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Stanly One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Stokes One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Surry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Swain One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Transylvania One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Tyrrell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Union One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Vance One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wake One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Warren One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Washington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Watauga One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wayne One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wilkes One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wilson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Yadkin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Yancey One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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