Avg Home Value
$340,000
Lending Limit
$1,209,750
North Carolina Housing Market Analysis
The housing market in North Carolina is stable, with average values sitting at $340,000. This places most homeowners comfortably within the FHA's lending limits, ensuring you get the full benefit of federal insurance protections.
Loan Limits in North Carolina
For 2026, the federal lending limit is $1,209,750.
Since the median home value in North Carolina is below this cap, your loan amount will be determined strictly by your age and current interest rates, not by the lending cap.
Specific Laws for North Carolina
North Carolina has specific regulations that go beyond federal HUD guidelines:
NC limits the origination fees that lenders can charge, often making loans cheaper for borrowers.
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