North Carolina conforming loan limits 2026
North Carolina has 100 counties. Every county uses the $832,750 baseline — no part of the state qualifies for a high-cost limit.
No part of it qualifies for a high-cost figure, so every county here uses the $832,750 baseline. For 2026, the figure moved in 100 of its 100 counties and 0 stayed the same.
North Carolina ranks 8th of 56 jurisdictions by county count, and 23rd by highest limit. Of its counties, 71 sit inside a metropolitan or micropolitan area, across 39 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
Highest limit in state
$832,750
Counties above baseline
0
Distinct figures
0
each figure is set for a whole area
All counties in North Carolina
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Alamance County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Alexander County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Alleghany County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Anson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ashe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Avery County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Beaufort County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bertie County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bladen County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Brunswick County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Buncombe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Burke County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cabarrus County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Caldwell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Camden County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carteret County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Caswell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Catawba County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Chatham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cherokee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Chowan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clay County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cleveland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Columbus County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Craven County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cumberland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Currituck County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dare County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Davidson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Davie County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Duplin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Durham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Edgecombe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Forsyth County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Franklin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gaston County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gates County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Graham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Granville County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Greene County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Guilford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Halifax County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Harnett County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Haywood County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Henderson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hertford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hoke County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hyde County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Iredell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jackson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Johnston County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jones County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lenoir County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lincoln County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Macon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Madison County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Martin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mcdowell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mecklenburg County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mitchell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Montgomery County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Moore County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Nash County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| New Hanover County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Northampton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Onslow County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Orange County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pamlico County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pasquotank County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pender County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Perquimans County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Person County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pitt County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Polk County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Randolph County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Richmond County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Robeson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rockingham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rowan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rutherford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sampson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Scotland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Stanly County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Stokes County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Surry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Swain County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Transylvania County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Tyrrell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Union County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Vance County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Warren County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Watauga County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wayne County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wilkes County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wilson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Yadkin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Yancey County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of North Carolina use the baseline conforming loan limit?
Yes — all 100 counties use the $832,750 baseline in 2026.
What counts as a jumbo loan in North Carolina?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.