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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$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Alexander One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Alleghany One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Anson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ashe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Avery One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Beaufort One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bertie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bladen One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Brunswick One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Buncombe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Burke One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cabarrus One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Caldwell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Camden One Family$690,000 Two Family$883,300 Three Family$1,067,750 Four Family$1,326,950
Carteret One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Caswell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Catawba One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Chatham One Family$602,600 Two Family$771,450 Three Family$932,500 Four Family$1,158,850
Cherokee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Chowan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cleveland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Columbus One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Craven One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cumberland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Currituck One Family$690,000 Two Family$883,300 Three Family$1,067,750 Four Family$1,326,950
Dare One Family$617,550 Two Family$790,550 Three Family$955,600 Four Family$1,187,600
Davidson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Davie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Duplin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Durham One Family$602,600 Two Family$771,450 Three Family$932,500 Four Family$1,158,850
Edgecombe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Forsyth One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Gaston One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gates One Family$690,000 Two Family$883,300 Three Family$1,067,750 Four Family$1,326,950
Graham One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Granville One Family$602,600 Two Family$771,450 Three Family$932,500 Four Family$1,158,850
Greene One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Guilford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Halifax One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Harnett One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Haywood One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henderson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hertford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hoke One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hyde One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Iredell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Johnston One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Jones One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lenoir One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Macon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Madison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Martin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mcdowell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mecklenburg One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mitchell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montgomery One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Moore One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Nash One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
New Hanover One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Northampton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Onslow One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Orange One Family$602,600 Two Family$771,450 Three Family$932,500 Four Family$1,158,850
Pamlico One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pasquotank One Family$805,000 Two Family$1,030,550 Three Family$1,245,700 Four Family$1,548,100
Pender One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Perquimans One Family$805,000 Two Family$1,030,550 Three Family$1,245,700 Four Family$1,548,100
Person One Family$602,600 Two Family$771,450 Three Family$932,500 Four Family$1,158,850
Pitt One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Polk One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Randolph One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Richmond One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Robeson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rockingham One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rowan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rutherford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sampson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Scotland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stanly One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stokes One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Surry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Swain One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Transylvania One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tyrrell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Union One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Vance One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wake One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Warren One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Watauga One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wayne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wilkes One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wilson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Yadkin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Yancey One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350

Mortgage Rates by State

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