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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in NC - North Carolina FHA Mortgage

North Carolina Mortgages

2024 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 2024 FHA loan limits for each county in North Carolina are below.

Select County
County Name One Family Two Family Three Family Four Family
Alamance One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Alexander One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Alleghany One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Anson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ashe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Avery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Beaufort One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bertie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bladen One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brunswick One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Buncombe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Burke One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cabarrus One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Caldwell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Camden One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Carteret One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Caswell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Catawba One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chatham One Family$632,500 Two Family$809,700 Three Family$978,750 Four Family$1,216,350
Cherokee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chowan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cleveland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Columbus One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Craven One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cumberland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Currituck One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Dare One Family$663,550 Two Family$849,450 Three Family$1,026,800 Four Family$1,276,100
Davidson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Davie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Duplin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Durham One Family$632,500 Two Family$809,700 Three Family$978,750 Four Family$1,216,350
Edgecombe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Forsyth One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$530,150 Two Family$678,700 Three Family$820,350 Four Family$1,019,550
Gaston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gates One Family$757,850 Two Family$970,200 Three Family$1,172,750 Four Family$1,457,450
Graham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Granville One Family$632,500 Two Family$809,700 Three Family$978,750 Four Family$1,216,350
Greene One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Guilford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Halifax One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Harnett One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Haywood One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Henderson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hertford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hoke One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hyde One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Iredell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Johnston One Family$530,150 Two Family$678,700 Three Family$820,350 Four Family$1,019,550
Jones One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lenoir One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Macon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Martin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mcdowell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mecklenburg One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mitchell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Moore One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nash One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
New Hanover One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Northampton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Onslow One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Orange One Family$632,500 Two Family$809,700 Three Family$978,750 Four Family$1,216,350
Pamlico One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pasquotank One Family$805,000 Two Family$1,030,550 Three Family$1,245,700 Four Family$1,548,100
Pender One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Perquimans One Family$805,000 Two Family$1,030,550 Three Family$1,245,700 Four Family$1,548,100
Person One Family$632,500 Two Family$809,700 Three Family$978,750 Four Family$1,216,350
Pitt One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Polk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Randolph One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Richmond One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Robeson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rockingham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rowan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rutherford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sampson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Scotland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stanly One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stokes One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Surry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Swain One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Transylvania One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tyrrell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Vance One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wake One Family$530,150 Two Family$678,700 Three Family$820,350 Four Family$1,019,550
Warren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Watauga One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wayne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wilkes One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wilson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Yadkin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Yancey One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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