NC mortgage rates

Wilson County

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

Wilson 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 Wilson 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 Wilson

A local view of the market.

The real estate market in Wilson County, North Carolina, is experiencing growth, with the average home value currently at $206,092, marking a 3.5% increase over the past year. Homes in the area typically go pending in about 20 days, indicating a relatively active market. Wilson County includes several notable cities, with Wilson being the largest. Wilson has a population of approximately 49,000 residents, serving as the county seat and a central hub for commerce and culture. Other significant towns in the county include Elm City and Black Creek, which contribute to the county's diverse community landscape. Living in Wilson County offers a blend of rural and suburban experiences. The county is known for its agricultural roots, with farming playing a significant role in the local economy. Additionally, the area provides suburban living options, attracting those seeking a quieter lifestyle with access to urban amenities. The top industries in Wilson County include manufacturing, healthcare, and education, which support a steady influx of residents moving to the area for employment opportunities and a balanced lifestyle.

County snapshot

Market context.

NC

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

Market areaWilsonMapped market area
Area code48980CBSA / MSA reference
Featured communityWilsonFrom the county record
Data year2026Aligned with this limit record
Wilson
Top cities & communities

Communities to explore.

Wilson
Questions & Answers

Refinancing in Wilson County

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

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