NC mortgage rates

Beaufort County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Beaufort County, North Carolina. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Beaufort County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Beaufort County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Beaufort

A local view of the market.

The real estate market in Beaufort County, North Carolina, is experiencing a steady increase in property values. As of October 2024, the median listing home price was $350,000, reflecting a 1.4% rise from the previous year. This indicates a growing interest in the area, making it a buyer's market where the supply of homes exceeds demand. Beaufort County comprises several notable cities, with Washington being the largest. Washington has a population of approximately 9,500 residents and serves as the county seat. Other significant towns include Belhaven, known for its waterfront views, and Chocowinity, which offers a more suburban feel. Bath, the oldest town in North Carolina, is also part of Beaufort County and has a rich historical background. Living in Beaufort County offers a mix of rural and suburban experiences. The county is characterized by its agricultural roots, with farming and agriculture being prominent industries. Many residents enjoy a quiet, rural lifestyle, while others prefer the suburban amenities available in towns like Washington. The county attracts new residents due to its affordable housing, scenic beauty, and the opportunity for a peaceful lifestyle away from the hustle and bustle of urban areas.

County snapshot

Market context.

NC

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaWashingtonMapped market area
Area code47820CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Beaufort County

Common questions about 2026 loan limits and refinancing opportunities in North Carolina.

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