North Carolina USDA Loan Income Limits and North Carolina USDA Loan Map
North Carolina USDA Loan offers affordable mortgage financing for moderate income households purchasing a house in a designated North Carolina USDA Loan eligible rural area as determined by the Rural Housing Service (RHS). North Carolina USDA Loan Map and North Carolina USDA Income Limit guidelines for the North Carolina USDA Loan program require that the: | North Carolina USDA Income Limits households with a moderate income not to exceed North Carolina USDA Loan county limits based on a household size of one to four or five and more family members. |
| North Carolina USDA Loan Map will determine if the house is located in a North Carolina USDA Loan approved area. Homebuyers should not assume that the term "rural" means the North Carolina USDA Loan program is only available in farming communities. Many areas approved by the RHS for the North Carolina USDA Loan Program are residential areas, near major cities, with a complete absence of any local farms. |
| North Carolina USDA Loan County Guideline Lookup Tool | ||
|---|---|---|
| Select County | Maximum Income | |
| Family 1-4: | ||
| Family 5+: | ||
| County Eligibility: | ||
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Make too much to qualify for the North Carolina USDA Loan? You still may qualify for the California USDA Loan Program based on certain deductions allowed by USDA Rural Development using the North Carolina USDA Max Income Calculator | ||
By purchasing a home located in a North Carolina USDA Loan area, qualified homebuyers have the ability to buy a house with:
No Money Down - 100% USDA Loan Financing - Low Monthly Mortgage Insurance - Flexible Credit Approval - Secure 30 Year Fixed Rate Mortgage - Unlimited Seller Closing Cost Help Allowed.
North Carolina USDA Rural Development County Specific Income and Location Guidelines
| County | Max Household Income | Location Restrictions | |
|---|---|---|---|
| 1 - 4 | 5 + People | ||
| Alamance | $74,750 | $98,650 | Partially Eligible |
| Alexander | $74,750 | $98,650 | 100% Eligible |
| Alleghany | $74,750 | $98,650 | 100% Eligible |
| Anson | $74,750 | $98,650 | 100% Eligible |
| Ashe | $74,750 | $98,650 | 100% Eligible |
| Avery | $74,750 | $98,650 | 100% Eligible |
| Beaufort | $74,750 | $98,650 | 100% Eligible |
| Bertie | $74,750 | $98,650 | 100% Eligible |
| Bladen | $74,750 | $98,650 | 100% Eligible |
| Brunswick | $74,750 | $98,650 | 100% Eligible |
| Buncombe | $74,750 | $98,650 | Partially Eligible |
| Burke | $74,750 | $98,650 | Partially Eligible |
| Cabarrus | $78,800 | $104,000 | Partially Eligible |
| Caldwell | $74,750 | $98,650 | 100% Eligible |
| Camden | $74,950 | $98,950 | 100% Eligible |
| Carteret | $74,750 | $98,650 | 100% Eligible |
| Caswell | $74,750 | $98,650 | 100% Eligible |
| Catawba | $74,750 | $98,650 | Partially Eligible |
| Chatham | $82,000 | $108,250 | 100% Eligible |
| Cherokee | $74,750 | $98,650 | 100% Eligible |
| Chowan | $74,750 | $98,650 | 100% Eligible |
| Clay | $74,750 | $98,650 | 100% Eligible |
| Cleveland | $74,750 | $98,650 | 100% Eligible |
| Columbus | $74,750 | $98,650 | 100% Eligible |
| Craven | $74,750 | $98,650 | Partially Eligible |
| Cumberland | $74,750 | $98,650 | Partially Eligible |
| Currituck | $84,300 | $111,300 | 100% Eligible |
| Dare | $80,350 | $106,050 | 100% Eligible |
| Davidson | $74,750 | $98,650 | Partially Eligible |
| Davie | $74,750 | $98,650 | 100% Eligible |
| Duplin | $74,750 | $98,650 | 100% Eligible |
| Durham | $82,000 | $108,250 | Partially Eligible |
| Edgecombe | $74,750 | $98,650 | Partially Eligible |
| Forsyth | $74,750 | $98,650 | Partially Eligible |
| Franklin | $91,850 | $121,250 | 100% Eligible |
| Gaston | $78,800 | $104,000 | Partially Eligible |
| Gates | $74,750 | $98,650 | 100% Eligible |
| Graham | $74,750 | $98,650 | 100% Eligible |
| Granville | $74,750 | $98,650 | 100% Eligible |
| Greene | $74,750 | $98,650 | 100% Eligible |
| Guilford | $74,750 | $98,650 | Partially Eligible |
| Halifax | $74,750 | $98,650 | 100% Eligible |
| Harnett | $74,750 | $98,650 | 100% Eligible |
| Haywood | $74,750 | $98,650 | 100% Eligible |
| Henderson | $74,750 | $98,650 | 100% Eligible |
| Hertford | $74,750 | $98,650 | 100% Eligible |
| Hoke | $74,750 | $98,650 | 100% Eligible |
| Hyde | $74,750 | $98,650 | 100% Eligible |
| Iredell | $74,750 | $98,650 | Partially Eligible |
| Jackson | $74,750 | $98,650 | 100% Eligible |
| Johnston | $91,850 | $121,250 | 100% Eligible |
| Jones | $74,750 | $98,650 | 100% Eligible |
| Lee | $74,750 | $98,650 | 100% Eligible |
| Lenoir | $74,750 | $98,650 | Partially Eligible |
| Lincoln | $74,750 | $98,650 | 100% Eligible |
| Macon | $74,750 | $98,650 | 100% Eligible |
| Madison | $74,750 | $98,650 | 100% Eligible |
| Martin | $74,750 | $98,650 | 100% Eligible |
| Mcdowell | $74,750 | $98,650 | 100% Eligible |
| Mecklenburg | $78,800 | $104,000 | Partially Eligible |
| Mitchell | $74,750 | $98,650 | 100% Eligible |
| Montgomery | $74,750 | $98,650 | 100% Eligible |
| Moore | $74,750 | $98,650 | 100% Eligible |
| Nash | $74,750 | $98,650 | Partially Eligible |
| New Hanover | $74,750 | $98,650 | Partially Eligible |
| Northampton | $74,750 | $98,650 | 100% Eligible |
| Onslow | $74,750 | $98,650 | Partially Eligible |
| Orange | $82,000 | $108,250 | Partially Eligible |
| Pamlico | $74,750 | $98,650 | 100% Eligible |
| Pasquotank | $74,750 | $98,650 | 100% Eligible |
| Pender | $74,750 | $98,650 | 100% Eligible |
| Perquimans | $74,750 | $98,650 | 100% Eligible |
| Person | $74,750 | $98,650 | 100% Eligible |
| Pitt | $74,750 | $98,650 | Partially Eligible |
| Polk | $74,750 | $98,650 | 100% Eligible |
| Randolph | $74,750 | $98,650 | Partially Eligible |
| Richmond | $74,750 | $98,650 | 100% Eligible |
| Robeson | $74,750 | $98,650 | 100% Eligible |
| Rockingham | $74,750 | $98,650 | 100% Eligible |
| Rowan | $74,750 | $98,650 | Partially Eligible |
| Rutherford | $74,750 | $98,650 | 100% Eligible |
| Sampson | $74,750 | $98,650 | 100% Eligible |
| Scotland | $74,750 | $98,650 | 100% Eligible |
| Stanly | $74,750 | $98,650 | 100% Eligible |
| Stokes | $74,750 | $98,650 | 100% Eligible |
| Surry | $74,750 | $98,650 | 100% Eligible |
| Swain | $74,750 | $98,650 | 100% Eligible |
| Transylvania | $74,750 | $98,650 | 100% Eligible |
| Tyrrell | $74,750 | $98,650 | 100% Eligible |
| Union | $78,800 | $104,000 | Partially Eligible |
| Vance | $74,750 | $98,650 | 100% Eligible |
| Wake | $91,850 | $121,250 | Partially Eligible |
| Warren | $74,750 | $98,650 | 100% Eligible |
| Washington | $74,750 | $98,650 | 100% Eligible |
| Watauga | $74,750 | $98,650 | 100% Eligible |
| Wayne | $74,750 | $98,650 | Partially Eligible |
| Wilkes | $74,750 | $98,650 | 100% Eligible |
| Wilson | $74,750 | $98,650 | Partially Eligible |
| Yadkin | $74,750 | $98,650 | 100% Eligible |
| Yancey | $74,750 | $98,650 | 100% Eligible |
