NC mortgage rates

Craven County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Craven 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

Craven 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 Craven 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 Craven

A local view of the market.

Craven County, North Carolina, has a dynamic real estate market with a median home value of $265,299, reflecting a 4.5% increase over the past year. The market is considered a seller's market, indicating that demand is high, and homes tend to sell quickly. The median sold price for homes in October 2024 was $301,013, up 3% from the previous year. The county is home to several notable cities, including New Bern, Havelock, and Trent Woods. New Bern, the county seat, has a population of approximately 31,291 and serves as a cultural and economic hub. Havelock, with a population of around 20,000, is known for its proximity to the Marine Corps Air Station Cherry Point. Trent Woods, a smaller community, offers a suburban feel with a population of about 4,000. Living in Craven County offers a mix of rural and suburban experiences. The area is characterized by its agricultural roots, with farming and related industries playing a significant role in the local economy. The county's appeal includes its scenic landscapes, access to waterways, and a slower pace of life, attracting those seeking a balance between rural charm and suburban convenience. The presence of military installations also influences migration patterns, as families and personnel move to the area for employment opportunities.

County snapshot

Market context.

NC

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

Market areaNew BernMapped market area
Area code35100CBSA / MSA reference
Featured communityNew BernFrom the county record
Data year2026Aligned with this limit record
New Bern
Top cities & communities

Communities to explore.

New Bern
Questions & Answers

Refinancing in Craven County

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

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