North Carolina VA Loans
Whether you receive PCS orders to relocate to North Carolina or are already a resident, purchasing a home can be a great financial move. Using a VA loan in North Carolina has many benefits for seasoned and first-time homebuyers alike.
With the average listing price of a home in North Carolina landing at $453,807, the VA loan’s signature $0-money-down benefit is a considerable advantage for North Carolina homebuyers.
See also: VA Loan Options for Other States
How to get a VA Loan in North Carolina
VA loans are made by private lenders and guaranteed by the Department of Veterans Affairs. Because private lenders make the loans and not the VA, you need to find a lender licensed in the state you plan to purchase or refinance.
For example, if you're purchasing a home in Charlotte, NC, you'll need to find a lender licensed in North Carolina to do the loan.
Other Considerations for Getting a VA Loan in North Carolina
VA borrowers in North Carolina should also consider the cost and impact of VA loan limits and property taxes when making their home purchase.
North Carolina VA Loan Limits
VA borrowers in North Carolina with their full VA loan entitlement are not restricted by VA loan limits. This means you can borrow as much as a lender is willing to lend without needing a down payment.
However, veterans without their full VA loan entitlement are still bound to North Carolina’s VA loan limits. As of January 1, 2025, VA loan limits for all counties in North Carolina are $806,500.
Property Taxes in North Carolina
Another consideration for VA buyers in North Carolina is property taxes. For certain VA buyers, there are exemptions.
You may be eligible for a property tax exemption in NorthCarolina if you meet one of the following conditions.
- A disabled veteran may receive a property tax exemption of up to the first $45,000 of the appraised value of their residence if the veteran is 100 disabled as a result of service
If you are required to pay property tax in North Carolina, the American Community Survey by the U.S. Census Bureau estimates you may pay the following in each county:
| County | Property Tax Rate |
|---|---|
| Alamance | 0.80% |
| Alexander | 0.71% |
| Alleghany | 0.60% |
| Anson | 0.94% |
| Ashe | 0.60% |
| Avery | 0.45% |
| Beaufort | 0.77% |
| Bertie | 0.83% |
| Bladen | 0.94% |
| Brunswick | 0.63% |
| Buncombe | 0.69% |
| Burke | 0.81% |
| Cabarrus | 0.90% |
| Caldwell | 0.76% |
| Camden | 0.66% |
| Carteret | 0.55% |
| Caswell | 0.72% |
| Catawba | 0.72% |
| Chatham | 0.75% |
| Cherokee | 0.55% |
| Chowan | 0.84% |
| Clay | 0.47% |
| Cleveland | 0.88% |
| Columbus | 1.11% |
| Craven | 0.75% |
| Cumberland | 1.13% |
| Currituck | 0.47% |
| Dare | 0.62% |
| Davidson | 0.74% |
| Davie | 0.73% |
| Duplin | 0.83% |
| Durham | 1.18% |
| Edgecombe | 1.25% |
| Forsyth | 0.98% |
| Franklin | 0.91% |
| Gaston | 1.02% |
| Gates | 0.74% |
| Graham | 0.54% |
| Granville | 0.92% |
| Greene | 1.00% |
| Guilford | 1.09% |
| Halifax | 1.12% |
| Harnett | 0.88% |
| Haywood | 0.71% |
| Henderson | 0.60% |
| Hertford | 1.01% |
| Hoke | 0.86% |
| Hyde | 0.79% |
| Iredell | 0.72% |
| Jackson | 0.44% |
| Johnston | 0.87% |
| Jones | 0.82% |
| Lee | 1.04% |
| Lenoir | 1.09% |
| Lincoln | 0.78% |
| Macon | 0.46% |
| Madison | 0.66% |
| Martin | 1.14% |
| McDowell | 0.57% |
| Mecklenburg | 1.05% |
| Mitchell | 0.59% |
| Montgomery | 0.79% |
| Moore | 0.63% |
| Nash | 0.92% |
| New Hanover | 0.71% |
| Northampton | 1.19% |
| Onslow | 0.77% |
| Orange | 1.19% |
| Pamlico | 0.68% |
| Pasquotank | 0.85% |
| Pender | 0.77% |
| Perquimans | 0.72% |
| Person | 0.81% |
| Pitt | 0.94% |
| Polk | 0.60% |
| Randolph | 0.87% |
| Richmond | 1.03% |
| Robeson | 1.00% |
| Rockingham | 0.94% |
| Rowan | 0.87% |
| Rutherford | 0.72% |
| Sampson | 0.95% |
| Scotland | 1.18% |
| Stanly | 0.83% |
| Stokes | 0.76% |
| Surry | 0.74% |
| Swain | 0.47% |
| Transylvania | 0.54% |
| Tyrrell | 0.83% |
| Union | 0.82% |
| Vance | 0.95% |
| Wake | 0.88% |
| Warren | 0.92% |
| Washington | 1.02% |
| Watauga | 0.43% |
| Wayne | 0.85% |
| Wilkes | 0.73% |
| Wilson | 1.08% |
| Yadkin | 0.87% |
| Yancey | 0.59% |
How VA Loans Work in North Carolina
View the graphic below to learn more about how VA loans work in North Carolina.
