USDA Guaranteed Loans are the most popular rural development mortgage program in North Carolina.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with North Carolina USDA income limits playing a major role.  Guaranteed Loan income limits across NC are listed below.

North Carolina USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Alleghany County, NC$75,650$99,850
Anson County, NC$75,650$99,850
Ashe County, NC$75,650$99,850
Asheville, NC HUD Metro FMR Area$75,650$99,850
Avery County, NC$75,650$99,850
Beaufort County, NC$75,650$99,850
Bertie County, NC$75,650$99,850
Bladen County, NC$75,650$99,850
Brunswick County, NC HUD Metro FMR Area$75,650$99,850
Burlington, NC MSA$75,650$99,850
Camden County, NC$83,250$109,900
Carteret County, NC$75,650$99,850
Caswell County, NC$75,650$99,850
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area$78,800$104,000
Cherokee County, NC$75,650$99,850
Chowan County, NC$75,650$99,850
Clay County, NC$75,650$99,850
Cleveland County, NC$75,650$99,850
Columbus County, NC$75,650$99,850
Craven County, NC HUD Metro FMR Area$75,650$99,850
Dare County, NC$80,700$106,500
Davidson County, NC HUD Metro FMR Area$75,650$99,850
Duplin County, NC$75,650$99,850
Durham-Chapel Hill, NC HUD Metro FMR Area$82,000$108,250
Fayetteville, NC HUD Metro FMR Area$75,650$99,850
Gates County, NC HUD Metro FMR Area$75,650$99,850
Goldsboro, NC MSA$75,650$99,850
Graham County, NC$75,650$99,850
Granville County, NC$75,650$99,850
Greene County, NC$75,650$99,850
Greensboro-High Point, NC HUD Metro FMR Area$75,650$99,850
Greenville, NC MSA$75,650$99,850
Halifax County, NC$75,650$99,850
Harnett County, NC$75,650$99,850
Haywood County, NC HUD Metro FMR Area$75,650$99,850
Hertford County, NC$75,650$99,850
Hickory-Lenoir-Morganton, NC MSA$75,650$99,850
Hoke County, NC HUD Metro FMR Area$75,650$99,850
Hyde County, NC$75,650$99,850
Iredell County, NC HUD Metro FMR Area$75,650$99,850
Jackson County, NC$75,650$99,850
Jacksonville, NC MSA$75,650$99,850
Jones County, NC HUD Metro FMR Area$75,650$99,850
Lee County, NC$75,650$99,850
Lenoir County, NC$75,650$99,850
Lincoln County, NC HUD Metro FMR Area$75,650$99,850
Macon County, NC$75,650$99,850
Martin County, NC$75,650$99,850
McDowell County, NC$75,650$99,850
Mitchell County, NC$75,650$99,850
Montgomery County, NC$75,650$99,850
Moore County, NC$75,650$99,850
Northampton County, NC$75,650$99,850
Pamlico County, NC HUD Metro FMR Area$75,650$99,850
Pasquotank County, NC$75,650$99,850
Pender County, NC HUD Metro FMR Area$75,650$99,850
Perquimans County, NC$75,650$99,850
Person County, NC HUD Metro FMR Area$75,650$99,850
Polk County, NC$75,650$99,850
Raleigh, NC MSA$91,850$121,250
Richmond County, NC$75,650$99,850
Robeson County, NC$75,650$99,850
Rockingham County, NC HUD Metro FMR Area$75,650$99,850
Rocky Mount, NC MSA$75,650$99,850
Rowan County, NC HUD Metro FMR Area$75,650$99,850
Rutherford County, NC$75,650$99,850
Sampson County, NC$75,650$99,850
Scotland County, NC$75,650$99,850
Stanly County, NC$75,650$99,850
Surry County, NC$75,650$99,850
Swain County, NC$75,650$99,850
Transylvania County, NC$75,650$99,850
Tyrrell County, NC$75,650$99,850
Vance County, NC$75,650$99,850
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are$84,300$111,300
Warren County, NC$75,650$99,850
Washington County, NC$75,650$99,850
Watauga County, NC$75,650$99,850
Wilkes County, NC$75,650$99,850
Wilmington, NC HUD Metro FMR Area$75,650$99,850
Wilson County, NC$75,650$99,850
Winston-Salem, NC HUD Metro FMR Area$75,650$99,850
Yancey County, NC$75,650$99,850
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