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$86,850$114,650
Anson County, NC$86,850$114,650
Ashe County, NC$86,850$114,650
Asheville, NC HUD Metro FMR Area$86,850$114,650
Avery County, NC$86,850$114,650
Beaufort County, NC$86,850$114,650
Bertie County, NC$86,850$114,650
Bladen County, NC$86,850$114,650
Brunswick County, NC HUD Metro FMR Area$86,850$114,650
Burlington, NC MSA$86,850$114,650
Camden County, NC$86,850$114,650
Carteret County, NC$86,850$114,650
Caswell County, NC$86,850$114,650
Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area$90,850$119,900
Cherokee County, NC$86,850$114,650
Chowan County, NC$86,850$114,650
Clay County, NC$86,850$114,650
Cleveland County, NC$86,850$114,650
Columbus County, NC$86,850$114,650
Craven County, NC HUD Metro FMR Area$86,850$114,650
Dare County, NC$86,850$114,650
Davidson County, NC HUD Metro FMR Area$86,850$114,650
Duplin County, NC$86,850$114,650
Durham-Chapel Hill, NC HUD Metro FMR Area$97,550$128,750
Fayetteville, NC HUD Metro FMR Area$86,850$114,650
Gates County, NC HUD Metro FMR Area$86,850$114,650
Goldsboro, NC MSA$86,850$114,650
Graham County, NC$86,850$114,650
Granville County, NC$86,850$114,650
Greene County, NC$86,850$114,650
Greensboro-High Point, NC HUD Metro FMR Area$86,850$114,650
Greenville, NC MSA$86,850$114,650
Halifax County, NC$86,850$114,650
Harnett County, NC$86,850$114,650
Haywood County, NC HUD Metro FMR Area$86,850$114,650
Hertford County, NC$86,850$114,650
Hickory-Lenoir-Morganton, NC MSA$86,850$114,650
Hoke County, NC HUD Metro FMR Area$86,850$114,650
Hyde County, NC$86,850$114,650
Iredell County, NC HUD Metro FMR Area$86,850$114,650
Jackson County, NC$86,850$114,650
Jacksonville, NC MSA$86,850$114,650
Jones County, NC HUD Metro FMR Area$86,850$114,650
Lee County, NC$86,850$114,650
Lenoir County, NC$86,850$114,650
Lincoln County, NC HUD Metro FMR Area$86,850$114,650
Macon County, NC$86,850$114,650
Martin County, NC$86,850$114,650
McDowell County, NC$86,850$114,650
Mitchell County, NC$86,850$114,650
Montgomery County, NC$86,850$114,650
Moore County, NC$86,850$114,650
Northampton County, NC$86,850$114,650
Pamlico County, NC HUD Metro FMR Area$86,850$114,650
Pasquotank County, NC$86,850$114,650
Pender County, NC HUD Metro FMR Area$86,850$114,650
Perquimans County, NC$86,850$114,650
Person County, NC HUD Metro FMR Area$86,850$114,650
Polk County, NC$86,850$114,650
Raleigh, NC MSA$106,600$140,700
Richmond County, NC$86,850$114,650
Robeson County, NC$86,850$114,650
Rockingham County, NC HUD Metro FMR Area$86,850$114,650
Rocky Mount, NC MSA$86,850$114,650
Rowan County, NC HUD Metro FMR Area$86,850$114,650
Rutherford County, NC$86,850$114,650
Sampson County, NC$86,850$114,650
Scotland County, NC$86,850$114,650
Stanly County, NC$86,850$114,650
Surry County, NC$86,850$114,650
Swain County, NC$86,850$114,650
Transylvania County, NC$86,850$114,650
Tyrrell County, NC$86,850$114,650
Vance County, NC$86,850$114,650
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are$91,200$120,400
Warren County, NC$86,850$114,650
Washington County, NC$86,850$114,650
Watauga County, NC$86,850$114,650
Wilkes County, NC$86,850$114,650
Wilmington, NC HUD Metro FMR Area$86,850$114,650
Wilson County, NC$86,850$114,650
Winston-Salem, NC HUD Metro FMR Area$86,850$114,650
Yancey County, NC$86,850$114,650
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