FHA Loan Limits in Burke County, North Carolina (2026)
Buying in Burke County or elsewhere in Burke County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Southeast.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Burke County — Burke County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Mecklenburg and Wake Counties.
FHA affordability around Burke County
An FHA buyer near Burke County faces an estimated $393,000 median, a $13,755 down payment, and — after North Carolina's 0.80% property tax — a monthly cost around $2,928. That suits household income of roughly $113,000, above North Carolina's $66,186 median household income, so budget carefully.
FHA payment scenarios in Burke County
Whether you are buying in Burke County or a smaller Burke County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $283,000 | $9,905 | $2,141 |
| Local median — $393,000 | $13,755 | $2,928 |
| At the FHA limit — $541,287 | $18,945 | $3,989 |
Estimates include FHA MIP plus North Carolina property taxes and insurance. Rates move daily near Burke County too — get notified.
Buyers across Burke County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,755 down payment near Burke County into little out of pocket.
Multi-unit FHA limits in Burke County
Investors and house-hackers in Burke County and across Burke County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Burke County for 2026?
- In Burke County (Burke County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Burke County with FHA?
- For a median-priced ($393,000) Burke County home, plan on income around $113,000 at a 31% housing ratio — about $2,928/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Burke County?
- 3.5% with a 580+ score — roughly $13,755 on a $393,000 Burke County-area home. Gift funds are allowed.
- Is Burke County a high-cost FHA area?
- No — Burke County uses the $541,287 national floor for one unit.