$805,000
One-unit, Perquimans County, CY2026
$1,030,550
Two-unit
$1,245,700
Three-unit
$1,548,100
Four-unit
Those are HUD's figures, returned by its official FHA Mortgage Limits lookup for calendar year 2026 with the county listed as NON-METRO, MSA code 99999, last revised 01/01/2026.
Perquimans County FHA Mortgage Estimator
See your estimated monthly payment on an FHA loan at a Perquimans County price point — principal, interest, tax and mortgage insurance.
*Illustrative only. Verify all figures with a lender before relying on them. Uses the Perquimans County ad valorem rate only (no municipal or fire-district add-on).
How that compares
The CY2026 basic standard limits for FHA-insured loans are $541,287 for one family, $693,050 for two, $837,700 for three and $1,041,125 for four. The national ceiling for a one-family property is $1,249,125. Perquimans sits $263,713 above the floor on a one-unit property — about 1.49 times it.
All 100 North Carolina counties were run through the same lookup. Only nine exceed the floor:
| One-unit limit | Counties |
|---|---|
| $805,000 | Perquimans |
| $757,850 | Camden, Currituck, Gates (Virginia Beach–Chesapeake–Norfolk, VA–NC) |
| $718,750 | Dare (Kill Devil Hills, NC) |
| $634,800 | Chatham, Durham, Orange, Person (Durham–Chapel Hill, NC) |
| $541,287 | The other 91 counties, including Pasquotank and Chowan |
The honest caveat
HUD's own published median sale price for Perquimans County, on the same results page, is $175,000. One hundred and fifteen percent of that is roughly $201,250 — far below even the floor, let alone $805,000. The figure has been unchanged since at least CY2024 and the older rows carry "Last Revised 01/01/2021." No HUD statement, mortgagee letter, or rule explaining it could be found.
So this page states the number and declines to explain it. Treat it as accurate as of January 1, 2026 and as something that could be revised in a future year. Verify it on HUD's lookup before building a purchase around it.
Perquimans is not grouped with Pasquotank
This is the assumption most often corrected. Perquimans was inside the Elizabeth City, NC micropolitan statistical area for HUD's CY2024 and CY2025 tables. For CY2026 HUD lists it as NON-METRO, and the 2023 Census/OMB delineation file has no entry for Perquimans in any metropolitan or micropolitan area at all. Pasquotank remains under Elizabeth City, NC (21020) — at the $541,287 floor.
Two adjoining rural counties, one road between them, and an FHA gap of more than a quarter of a million dollars.
Conventional financing is completely ordinary here
The FHFA conforming loan limit for Perquimans County in 2026 is $832,750 for one unit — the plain national baseline, identical to Pasquotank's. Nothing about this county carries a general high-cost designation, and the anomaly is FHA-only. Don't let anyone say otherwise.
What this actually means for a buyer
Practically, very little, and that's the point. At more than three times the county's median home value, the FHA ceiling here isn't a constraint anyone is going to hit. What it means is that no FHA borrower in Perquimans County is limited by the loan limit — which is a sentence that can't be written about ninety-one other North Carolina counties. For a buyer at the top of this market using FHA financing, the door is open.
Everything else about FHA works normally: minimum property standards, mortgage insurance premiums, and the usual appraisal requirements. In a county with older housing stock, minimum property standards are the item worth raising with a lender early — see Chapter 3.
Want your numbers run against a specific property?
Send the address and Travis will work the loan, insurance, taxes, and closing costs.
A quick read on which loan program, the insurance and tax picture, and what closing costs (including the county's 1% land transfer tax) actually look like — before an offer goes in.
Frequently asked questions
What is the FHA loan limit for Perquimans County?
For CY2026, HUD's official FHA Mortgage Limits lookup returns $805,000 for a one-unit property in Perquimans County (listed NON-METRO, MSA code 99999, last revised 01/01/2026) — $1,030,550 for two units, $1,245,700 for three, and $1,548,100 for four. That's the highest one-unit FHA limit of any North Carolina county, $263,713 above the statewide floor of $541,287 (about 1.49 times it).
Why is Perquimans County's FHA limit so much higher than the rest of North Carolina?
No official explanation exists, and this page won't invent one. HUD's own published median sale price for Perquimans County, on the same results page, is $175,000 — 115% of that is roughly $201,250, far below even the $541,287 floor, let alone $805,000. The figure has been unchanged since at least CY2024, and older rows carry "Last Revised 01/01/2021." Treat it as accurate as of January 1, 2026 and confirm it on HUD's own lookup before building a purchase around it.
Is Perquimans County grouped with Pasquotank County for FHA purposes?
No — this is the assumption most often corrected. Perquimans was inside the Elizabeth City, NC micropolitan statistical area for HUD's CY2024 and CY2025 tables. For CY2026, HUD lists it as NON-METRO, and the 2023 Census/OMB delineation file has no entry for Perquimans in any metropolitan or micropolitan area at all. Pasquotank remains under Elizabeth City, NC (21020) — at the statewide floor. Two adjoining rural counties, one road between them, and an FHA gap of more than a quarter of a million dollars.
Does this high FHA limit actually matter for a typical Perquimans County buyer?
Practically, very little — and that's the point. At more than three times the county's median home value, the FHA ceiling here isn't a constraint anyone is going to hit. What it means is that no FHA borrower in Perquimans County is limited by the loan limit — a sentence that can't be written about ninety-one other North Carolina counties. For a buyer at the top of this market using FHA financing, the door is open.
Is conventional financing also unusual in Perquimans County?
No. The FHFA conforming loan limit for Perquimans County in 2026 is $832,750 for one unit — the plain national baseline, identical to Pasquotank's. Nothing about this county carries a general high-cost designation; the anomaly is FHA-only.