North Carolina Income Limits by County, 2026

Are you under the income limit?

About these limits

HUD publishes a limit for every county each year. Most down payment help uses 80% of the area median income, adjusted for how many people live in the home. Limits are for the HUD area around the county, not the county alone. Source: HUD FY 2026 Income Limits.

HUD's area median family income and the low-income limit (80% of median, family of four) for all 100 North Carolina counties, highest median first. These limits gate most down payment assistance and affordable mortgage programs.

Choose your county to see the answer.

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CountyHouseholdIncomePriceSavings
More about income limits
North Carolina counties
CountyArea median incomeLow income (80%), 4 peopleVery low (50%), 4 people
Franklin County$132,300$105,850$66,150
Johnston County$132,300$105,850$66,150
Wake County$132,300$105,850$66,150
Chatham County$129,900$101,700$63,550
Durham County$129,900$101,700$63,550
Orange County$129,900$101,700$63,550
Cabarrus County$117,400$93,900$58,700
Gaston County$117,400$93,900$58,700
Mecklenburg County$117,400$93,900$58,700
Union County$117,400$93,900$58,700
Dare County$116,900$88,150$55,100
Pender County$110,600$87,650$54,800
New Hanover County$109,200$87,350$54,600
Currituck County$107,700$86,150$53,850
Iredell County$107,300$85,850$53,650
Moore County$106,300$85,050$53,150
Lincoln County$105,600$84,500$52,800
Camden County$105,500$84,400$52,750
Carteret County$103,500$82,800$51,750
Buncombe County$103,200$81,900$51,200
Henderson County$103,200$81,900$51,200
Madison County$103,200$81,900$51,200
Brunswick County$99,200$79,350$49,600
Davie County$96,700$76,250$47,650
Forsyth County$96,700$76,250$47,650
Stokes County$96,700$76,250$47,650
Yadkin County$96,700$76,250$47,650
Polk County$93,800$74,650$46,650
Guilford County$91,500$73,200$45,750
Randolph County$91,500$73,200$45,750
Pamlico County$90,700$72,550$45,350
Perquimans County$90,400$72,300$45,200
Transylvania County$89,000$71,200$44,500
Avery County$88,800$71,050$44,400
Pitt County$88,800$71,050$44,400
Alamance County$88,600$70,900$44,300
Harnett County$88,300$70,650$44,150
Granville County$87,800$70,250$43,900
Craven County$87,000$69,600$43,500
Watauga County$86,900$71,700$44,800
Haywood County$86,700$69,350$43,350
Clay County$86,300$69,050$43,150
Davidson County$86,000$68,800$43,000
Lee County$85,400$67,200$42,000
Onslow County$85,400$68,300$42,700
Person County$85,400$68,300$42,700
Yancey County$85,300$68,250$42,650
Alexander County$85,200$68,150$42,600
Burke County$85,200$68,150$42,600
Caldwell County$85,200$68,150$42,600
Catawba County$85,200$68,150$42,600
Pasquotank County$84,300$67,450$42,150
Wilson County$84,000$67,200$42,000
Gates County$83,900$70,900$44,300
Cleveland County$82,800$66,250$41,400
Cumberland County$81,900$65,500$40,950
Stanly County$80,400$67,150$41,950
Edgecombe County$80,200$64,150$40,100
Nash County$80,200$64,150$40,100
Macon County$79,100$63,300$39,550
Rowan County$79,000$66,700$41,700
Jackson County$78,200$62,650$39,150
Hoke County$77,900$62,650$39,150
Mitchell County$77,900$62,650$39,150
Rutherford County$77,200$62,650$39,150
Beaufort County$77,100$62,650$39,150
Ashe County$77,000$62,650$39,150
Chowan County$76,900$62,650$39,150
Rockingham County$76,600$62,650$39,150
Caswell County$76,300$62,650$39,150
Jones County$75,900$62,650$39,150
McDowell County$75,700$62,650$39,150
Cherokee County$73,900$62,650$39,150
Sampson County$73,400$62,650$39,150
Swain County$72,900$62,650$39,150
Surry County$72,700$62,650$39,150
Duplin County$72,100$62,650$39,150
Alleghany County$71,000$62,650$39,150
Wayne County$70,300$62,650$39,150
Anson County$69,700$62,650$39,150
Washington County$69,500$62,650$39,150
Martin County$69,400$62,650$39,150
Montgomery County$69,400$62,650$39,150
Bertie County$69,200$62,650$39,150
Vance County$67,800$62,650$39,150
Hertford County$67,700$62,650$39,150
Graham County$67,400$62,650$39,150
Wilkes County$67,400$62,650$39,150
Columbus County$67,300$62,650$39,150
Northampton County$66,600$62,650$39,150
Bladen County$65,400$62,650$39,150
Lenoir County$65,100$62,650$39,150
Tyrrell County$64,200$62,650$39,150
Halifax County$63,600$62,650$39,150
Greene County$63,400$62,650$39,150
Hyde County$62,700$62,650$39,150
Warren County$62,600$62,650$39,150
Scotland County$62,100$62,650$39,150
Richmond County$62,000$62,650$39,150
Robeson County$59,300$62,650$39,150

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

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