North Carolina USDA Home Loan
The USDA Home Loan Program offers 100% home financing for those who meet certain income and credit requirements and are financing properties in USDA designated areas. Use the map and tables below to determine your eligibility. Use the contact form to the right to request additional information.
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North Carolina USDA Home Loan Location Eligibility
The North Carolina USDA Home Loan Program restricts the location of eligible properties. The dark orange areas of the map indicate ineligible locations. The table indicates counties that contain ineligible properties.
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North Carolina USDA Home Loan Eligibility
Counties with Ineligible Properties*
| Alamance | Craven | Forsyth | Mecklenburg | Orange | Union | |||||
| Buncombe | Cumberland | Gaston | Nash | Pitt | Wake | |||||
| Burke | Davidson | Guilford | New Hanover | Randolph | Wayne | |||||
| Cabarrus | Durham | Iredell | Onslow | Rowan | Wilson | |||||
| Catawba | Edgecombe | Lenoir |
*If you see your county listed, you may still be eligible. To request additional information, use the contact form on the side of the page.
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North Carolina USDA Home Loan Income Eligibility
The North Carolina USDA Home Loan Program has income eligibility restrictions. Below are the maximum income limits for USDA Home Loans. Find the area in which you would like to purchase a home. Maximum allowable incomes depend on whether you have a 1-4 or 5-8 person household.
The USDA allows certain deductions to help you qualify. View The USDA Home Loan Applicant Eligibility Page to determine your adjusted income. Or, use the contact form to the right to request additional information.
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| Location | 1 to 4 | 5 to 8 | Location | 1 to 4 | 5 to 8 | Location | 1 to 4 | 5 to 8 | ||
| Asheville, NC | $73,600 | $97,150 | Camden County, NC | $73,600 | $97,150 | Martin County, NC | $73,600 | $97,150 | ||
| Haywood County, NC | $73,600 | $97,150 | Carteret County, NC | $73,600 | $97,150 | Mitchell County, NC | $73,600 | $97,150 | ||
| Burlington, NC | $73,600 | $97,150 | Caswell County, NC | $73,600 | $97,150 | Montgomery County, NC | $73,600 | $97,150 | ||
| Charlotte-Gastonia-Concord, NC-SC | $76,500 | $101,000 | Cherokee County, NC | $73,600 | $97,150 | Moore County, NC | $73,600 | $97,150 | ||
| Anson County, NC | $73,600 | $97,150 | Chowan County, NC | $73,600 | $97,150 | Northampton County, NC | $73,600 | $97,150 | ||
| Durham, NC | $82,000 | $108,250 | Clay County, NC | $73,600 | $97,150 | Pamlico County, NC | $73,600 | $97,150 | ||
| Member Household County, NC | $73,600 | $97,150 | Cleveland County, NC | $73,600 | $97,150 | Pasquotank County, NC | $73,600 | $97,150 | ||
| Fayetteville, NC | $73,600 | $97,150 | Columbus County, NC | $73,600 | $97,150 | Perquimans County, NC | $73,600 | $97,150 | ||
| Hoke County, NC | $73,600 | $97,150 | Craven County, NC | $73,600 | $97,150 | Polk County, NC | $73,600 | $97,150 | ||
| Goldsboro, NC | $73,600 | $97,150 | Dare County, NC | $73,600 | $97,150 | Richmond County, NC | $73,600 | $97,150 | ||
| Greensboro-High Point, NC | $73,600 | $97,150 | Davidson County, NC | $73,600 | $97,150 | Robeson County, NC | $73,600 | $97,150 | ||
| Rockingham County, NC | $73,600 | $97,150 | Duplin County, NC | $73,600 | $97,150 | Rowan County, NC | $73,750 | $97,350 | ||
| Greenville, NC | $73,600 | $97,150 | Gates County, NC | $73,600 | $97,150 | Rutherford County, NC | $73,600 | $97,150 | ||
| Greene County, NC | $73,600 | $97,150 | Graham County, NC | $73,600 | $97,150 | Sampson County, NC | $73,600 | $97,150 | ||
| Hickory-Lenoir-Morganton, NC | $73,600 | $97,150 | Granville County, NC | $73,600 | $97,150 | Scotland County, NC | $73,600 | $97,150 | ||
| Jacksonville, NC | $73,600 | $97,150 | Halifax County, NC | $73,600 | $97,150 | Stanly County, NC | $73,600 | $97,150 | ||
| Raleigh-Cary, NC | $88,400 | $116,700 | Harnett County, NC | $73,600 | $97,150 | Surry County, NC | $73,600 | $97,150 | ||
| Rocky Mount, NC | $73,600 | $97,150 | Hertford County, NC | $73,600 | $97,150 | Swain County, NC | $73,600 | $97,150 | ||
| Virginia Beach-Norfolk-Newport News, VA-NC | $78,050 | $103,050 | Hyde County, NC | $73,600 | $97,150 | Transylvania County, NC | $73,600 | $97,150 | ||
| Wilmington, NC | $73,600 | $97,150 | Iredell County, NC | $73,600 | $97,150 | Tyrrell County, NC | $73,600 | $97,150 | ||
| Pender County, NC | $73,600 | $97,150 | Jackson County, NC | $73,600 | $97,150 | Vance County, NC | $73,600 | $97,150 | ||
| Winston-Salem, NC | $73,600 | $97,150 | Jones County, NC | $73,600 | $97,150 | Warren County, NC | $73,600 | $97,150 | ||
| Alleghany County, NC | $73,600 | $97,150 | Lee County, NC | $73,600 | $97,150 | Washington County, NC | $73,600 | $97,150 | ||
| Ashe County, NC | $73,600 | $97,150 | Lenoir County, NC | $73,600 | $97,150 | Watauga County, NC | $73,600 | $97,150 | ||
| Avery County, NC | $73,600 | $97,150 | Lincoln County, NC | $73,750 | $97,350 | Wilkes County, NC | $73,600 | $97,150 | ||
| Beaufort County, NC | $73,600 | $97,150 | McDowell County, NC | $73,600 | $97,150 | Wilson County, NC | $73,600 | $97,150 | ||
| Bertie County, NC | $73,600 | $97,150 | Macon County, NC | $73,600 | $97,150 | Yancey County, NC | $73,600 | $97,150 | ||
| Bladen County, NC | $73,600 | $97,150 |
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