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USDA Homes for Sale in NC’s Triangle: 0% Down Financing
If you’re looking for USDA homes for sale you’re probably wondering what the requirements are, and where eligible homes are located in the greater Raleigh/Durham area. See below for more information and don't worry - you don’t have to work in agriculture to qualify!
What is a USDA Home Loan?
The USDA Home Loan program originated to help finance homes in designated rural areas by providing guarantees to lenders to protect against buyer defaults. Standard 30-year mortgage rates and 100% financing make these homes accessible to low and moderate-income buyers who may not otherwise be able to purchase a home.
USDA loans are available for properties that meet specific requirements (rural location, safety and health standards) and buyers who fall within the guidelines for credit score and income. And although the “rural area” requirement excludes the metropolitan cities of the Triangle area - Raleigh, Durham, Chapel Hill - we do have semi-urban and rural areas close by that are eligible.
What 3 Types of USDA Home Loans Are Available?
There are three different types of USDA loans available to homebuyers.
- Direct - A direct USDA loan is funded directly by USDA, so no banks are involved, and the USDA is your lender. These direct loans are intended for low- and very low-income homebuyers who need accessing to financing. The amount you can borrow will vary, but you can use this USDA Self-Assessment tool as a starting point.
- Guaranteed - This loan comes from a partnership between local banks and the USDA. In this case, a portion of the loan is guaranteed by the USDA, which certifies the lender they will not be stranded if the buyer defaults. This guarantee enables the lender to offer loans to low and moderate-income folks who would not qualify for a conventional loan.
- Home improvement loans - These loans do not help purchase a house but rather repair and enhance homes for low-income homeowners. The maximum loan amount is $40k.
Limitations and Restrictions of USDA Loans
Homes eligible for USDA loans have stringent guidelines for eligibility. The homes must be geographically located within a Rural Development area and be owner-occupied and a private residence.
Based on verifiable income sources, loan amounts are determined on a case-by-case basis by the banks. For most USDA Guaranteed loans, there is no official upper limit on the loans. In some of the semi-rural areas near Raleigh, there are USDA-eligible homes being built and priced around $500k.
For USDA Direct loans, the limit on loans is $336,000 (2022) but the amount varies around the country in consideration of areas where home prices are substantially higher.
Eligibility Requirements for a USDA Home Loan
Applicants for USDA home loans must be a U.S. Citizen, U.S. non-citizen national, or qualified alien.
- The borrower must meet specific income and credit requirements.
- Must show proof of enough stable income to afford mortgage, taxes, and insurance.
- Cannot make more than 115 percent of the local median income
- Credit should be at least 640, and the borrower demonstrate acceptable credit history
- A buyer's debt-to-income ratio must be below 41 percent
Homes Eligible for USDA Loans
In addition to being within a specific “rural area,” the home must also be an owner-occupied private residence. Although the properties cannot be income-producing or second homes, they can be of varying types: new construction, manufactured homes, condos, townhomes, or modular homes.
USDA Loan Limitations, Closing Costs & Interest Rates
This handy USDA calculator helps you pinpoint the upper-income limit for the state and county you’re considering.
Interest rates can be as low as 1% for these loans when supplemented with other payment assistance options. As of February 1, 2023, the current interest rate for USDA Direct loans is 4.00% for low-income and very low-income borrowers.
Closing costs for a USDA loan are typically 2% – 6% of the home’s purchase price, and USDA does allow seller concessions up to 6% of the sales price. Some lenders roll over closing costs into the overall loan, so no money is due at closing.
Beyond the standard 30-year loan, some provisions allow for a 33-year payback period, or even 38 years in certain circumstances.
You can find good information and specific details here on the USDA program in NC.
Benefits of a USDA Home Loan
The top-level benefits of a USDA home loan are summarized above but include:
- Low or no down payment
- Lower interest rates
- Reduced mortgage insurance
- Credit score requirements are lower
- Lower closing costs and fees
In addition to these benefits, here are a few other program benefits that many people don’t know.
- The repair and renovation loans can also include grants (up to 10k) to those 62 and older who have less than 50% of the area median income. These loans can be a good option for senior borrowers.
- Many believe these loans are only for remote areas and farmland, so few people take advantage of these loans. The USDA estimates only 99,000 borrowers currently have these loans. Of course, if you’re interested in homesteads with ample acreage, these loans can be a great option.
- It’s possible to use a USDA home loan along with NC-specific programs and grants for first-time homebuyers.
USDA Eligible Properties in Raleigh, Durham, and the Surrounding Areas
There are USDA eligible homes for sale throughout the greater Raleigh area including some in Zebulon, Wendell, Clayton, Smithfield, Oxford, Louisburg and other surrounding towns. The USDA home loan program can be an excellent fit for you if you meet the qualifications. It can be complicated though, so it’s helpful to have an experienced realtor guide you through the process. We would be happy to help, and if you want to know how to find homes that qualify for USDA loans, check our listings below or contact us today!
For the homes below, please verify with us prior to placing a USDA financed offer.
USDA Homes for Sale, Pending Verification
Offer has been accepted and is now subject to the 10 day upset bid period (started 9/11) and court approval. Continued showings ok. 2 bedroom, 1 bath fixer. This home ne...
- 2 Beds
- 1 Baths
- 2528559 MLS
- ACTIVE Status
Country home with 3 BR, 1 BA, Living Room, Dining Room, Kitchen. Located near Louisburg, Spring Hope, Zebulon. Quick commute to Knightdale, Rocky Mount, Wilson.
- 3 Beds
- 1 Baths
- 2529168 MLS
- ACTIVE Status
No Restrictions & no city taxes, bring your boats, work vehicles and pets! Country Living at its best, yet still close to stores and only 30 mins drive to Raleigh! Ranch ...
- 3 Beds
- 1 Baths
- 2533395 MLS
- ACTIVE Status
Is it new construction? No, but almost! This "redone ranch" has undergone a major transformation- inside and out. Be the lucky buyer who enjoys this remarkable renovation...
- 3 Beds
- 1 Baths
- 2531112 MLS
- ACTIVE Status
Escape to the tranquility of this beautiful country ranch-style single-family home, situated on nearly an acre of land. This inviting property boasts three bedrooms and o...
- 3 Beds
- 1 Baths
- 2526185 MLS
- ACTIVE Status
Beautifully updated home in Louisburg! New flooring throughout the home, new paint and new light fixtures. Granite countertops in the kitchen with brand new stainless ste...
- 3 Beds
- 1 Baths
- 2528980 MLS
- ACTIVE Status
Ranch style 3 bedroom/2 bath home in Timberlake, NC! Open living room that leads to a large kitchen with walk in pantry. Primary suite has double vanities, garden tub and...
- 3 Beds
- 2 Baths
- 2527935 MLS
- ACTIVE Status
Welcome to this exquisite property nestled on a generous .7-acre plot, where we have an amazing price improvment! Prepare to be captivated by the charm and allure of this...
- 2 Beds
- 1 Baths
- 2520549 MLS
- ACTIVE Status
Back on the market at no fault of the sellers! This charming Ranch has 3 Bedrooms and 2 full baths. The kitchen features a brand-new s/s refrigerator and a peninsula that...
- 3 Beds
- 2 Baths
- 2524751 MLS
- ACTIVE Status
Ready to move into home in downtown Creedmoor. Showings begin 8/24. Fresh landscaping, new HVAC 1/23, fresh paint in bedrooms.New flooring 2020, beautiful hardwoods in LR...
- 3 Beds
- 1 Baths
- 2525134 MLS
- ACTIVE Status
Great Oxford downtown location! This beautiful 1950's brick 3B/1Ba ranch on a .46 acre lot, with an adjacent .88 acre lot is a perfect starter home with plenty of potenti...
- 3 Beds
- 1 Baths
- 2532943 MLS
- ACTIVE Status
Check out the amazing transformation of a 1901 cottage located in Oxford, walkable to downtown. This adorable home has been completely remodeled from top to bottom! You w...
- 3 Beds
- 2 Baths
- 2529176 MLS
- ACTIVE Status
JUST LISTED WITH 2-10 HOME WARRANTY!!! Wonderful 3 bedroom, 2 bathroom ranch home LOCATED NEAR THE GATE. Enjoy the front and back porches, beautiful landscape, and fenced...
- 3 Beds
- 2 Baths
- 2524480 MLS
- ACTIVE Status
Welcome to this charming historic home situated on sprawling 1.3 acres. This property offers a unique opportunity to own a piece of history in a idyllic location. The hom...
- 4 Beds
- 2 Baths
- 2530728 MLS
- ACTIVE Status
Charming 4 bedroom 2.5 bath home boast an enticing bend of classic design and modern convenience. Original hardwood floors that exude warmth and character as well as dura...
- 4 Beds
- 3 Baths
- 2529203 MLS
- ACTIVE Status
Conveniently located to I-85, and downtown Oxford. This mostly brick ranch, with a beautiful shaded lot, offers so much: Flat ceilings throughout. Bonus room with origina...
- 3 Beds
- 2 Baths
- 2526582 MLS
- ACTIVE Status
Endless Possibilities! Home on 3.45 acres. Includes store and grill building. Also has a large detached garage 24x36(formerly Berea Fire Station). Also has another detac...
- 4 Beds
- 1 Baths
- 2468034 MLS
- ACTIVE Status
Charming, updated, move-in ready home just 1 mile from the center of Pittsboro. Nice kitchen with granite countertops, upgraded appliances and cabinets. Updated fixtures ...
- 3 Beds
- 1 Baths
- 2530910 MLS
- ACTIVE Status
Very Private! BEAUTIFUL 3 bed, 2 bath home in the incredibly sought after Resort Community Lake Royale! Home is on a corner lot with privacy on all sides with beautiful h...
- 3 Beds
- 2 Baths
- 2520769 MLS
- ACTIVE Status
Charming Updated Home in the Heart of Downtown Louisburg! This Victorian-style 3 Bedroom/2 Bath Home is Move-in Ready featuring Remodeled Kitchen & Baths. Large Kitchen...
- 3 Beds
- 2 Baths
- 2529370 MLS
- ACTIVE Status
Charming 1960s Ranch Home with 3 Bedrooms and 2 Baths Welcome to this timeless gem, a well-maintained 3-bedroom, 2-bathroom ranch-style home nestled in a peaceful neighb...
- 3 Beds
- 2 Baths
- 2532122 MLS
- ACTIVE Status
Beautiful Ranch Home Located In Sought After Lake Royale Subdivision. Kitchen Features Island w/Breakfast Bar, Pendant Lighting, Refrigerator. Large Family Room w/Arched ...
- 3 Beds
- 2 Baths
- 2523819 MLS
- ACTIVE Status
Brick Ranch situated on one acre within a serene and charming location in Oxford. Meticulously kept by its sole owner, this home boasts stunning landscaping. The property...
- 3 Beds
- 2 Baths
- 2528331 MLS
- ACTIVE Status
Country living in the growing Pittsboro community. 1940's farmhouse that was renovated in 2015 with an eye toward keeping the character of the original home with the knot...
- 2 Beds
- 1 Baths
- 2531305 MLS
- ACTIVE Status
$1,500 Builder Credit Offered. New Construction close to downtown Oxford and I-85 Exit. Open Living area on Main floor! Quality Custom Kitchen cabinets with Granite Tops...
- 3 Beds
- 3 Baths
- 2513296 MLS
- ACTIVE Status
Country living at it's finest!! Convenient to NC-98 and US-401. This 3 bed, 1 bath home will check off all of your boxes! Located on almost 2 acres, newly renovated in 20...
- 3 Beds
- 1 Baths
- 2530802 MLS
- ACTIVE Status
Beautiful ranch in Lake Royale. Graciously laid out three bedrooms and two full baths with ample closets in all bedrooms! Master suite boasts walk in closet, en-suite, se...
- 3 Beds
- 2 Baths
- 2533260 MLS
- COMING SOON Status
Gorgeous renovated home with a classic look. Open space common living area. High-end kitchen with an island, a pantry, loads of cabinets, and tons of granite counter sp...
- 3 Beds
- 2 Baths
- 2514840 MLS
- ACTIVE Status
Welcome home to the very popular Penwell Plan in our Lake Royale community! Entering through the Foyer, you will fall in love with the 9ft ceilings and Revwood Hardwood l...
- 3 Beds
- 3 Baths
- 2524730 MLS
- ACTIVE Status
Welcome Home to this adorable 3 bd, 2 ba, 1300 sq ft, move in ready home in Louisburg NC. This parade of homes silver package winner, is equipped with stainless steel app...
- 3 Beds
- 2 Baths
- 2526478 MLS
- ACTIVE Status
Gorgeous home in the heart of Louisburg, with vaulted living room ceilings and plenty of natural light. The living space is very open while having a first floor master an...
- 3 Beds
- 3 Baths
- 2527896 MLS
- ACTIVE Status
Sweet home in absolutely fabulous location just across from Bynum Village and close to the Haw River! This 3 bedroom 1.5 bath is private, on over an acre and surrounded b...
- 3 Beds
- 2 Baths
- 2530300 MLS
- ACTIVE Status
Beautiful 3BR/2BA RANCH Home on Large 1.3 Acre Lot! NEW Interior Paint (2023)! NEW Carpet (2023)! NEW Vinyl Floors (2023)! Bright & Open Floor Plan! LR w/Ceiling Fan, Cro...
- 3 Beds
- 2 Baths
- 2522631 MLS
- ACTIVE Status
New Construction close to downtown Oxford and I-85 Exit. Open Living area on Main floor! Quality Custom Kitchen cabinets with Granite Tops. Luxury Vinyl Plank Flooring on...
- 3 Beds
- 3 Baths
- 2530289 MLS
- ACTIVE Status
Welcome to your dream rural retreat! Nestled on a generous 1.8acre lot, this charming 4-bed, 2-bath home offers a serene and peaceful setting that's perfect for those see...
- 4 Beds
- 2 Baths
- 2532783 MLS
- ACTIVE Status
Charm and character in abundance in this lovely one-level home. 9 and 10 ft ceilings, custom kitchen cabinets with brand new Quartz countertops and Dual Fuel 5 burner na...
- 3 Beds
- 2 Baths
- 2530651 MLS
- ACTIVE Status
BACK ON MARKET! NO FAULT OF SELLERS! (Buyers did not inspect)This is how to live COUNTRY! Nestled on 2 Acres on a Private Road, this beauty sits conveniently between Pitt...
- 3 Beds
- 2 Baths
- 2510964 MLS
- ACTIVE Status
WELCOME HOME! Are you looking for a quiet home in the country then look no further. This home has it all with plenty of room to grow, in great shape with so much to offer...
- 3 Beds
- 2 Baths
- 2533761 MLS
- ACTIVE Status
BUYER CAN MAKE SELECTIONS! ASK ABOUT OUR FIRST TIME HOME BUYER PROGRAM! 100% FINANCING AVAILABLE! RANCH PLAN! Luxury Hardwood Style Flooring & Cathedral Ceilings! Kitchen...
- 3 Beds
- 2 Baths
- 2521435 MLS
- ACTIVE Status
Opportunity to Choose Design Selections at Mungo Design Center in Apex! Office w/French Doors on Main Level! Terrific Kitchen w/7' Island, Granite CTops & Pantry! Great R...
- 4 Beds
- 3 Baths
- 2531972 MLS
- ACTIVE Status
SOUTHERN CHARM HOBBY FARM! Country living with added extras! 3 bedrooms, 2 baths brick ranch on 5 partially fenced acres. A white picket fence adorns the road frontage...
- 3 Beds
- 2 Baths
- 2523070 MLS
- ACTIVE Status
HOME IS COMPLETE! DONT WAIT! MOVE IN READY! New Construction Custom Home in Popular Lake Royale Subdivision! 3Bedroom/ 2, Bath, Split Bedroom Open Floorplan, Kitchen with...
- 3 Beds
- 2 Baths
- 2516857 MLS
- ACTIVE Status
This lovely split bedroom ranch-style home offers comfortable living space, all situated on a spacious, flat 1.05 acre lot, providing ample room for recreation. The fami...
- 3 Beds
- 2 Baths
- 2504446 MLS
- ACTIVE Status
Wonderful water view home on a wonderfully landscaped corner lot. Front door opens to a beautiful 2 story foyer, large kitchen with dining room, master on the main, bonus...
- 3 Beds
- 3 Baths
- 2529055 MLS
- ACTIVE Status
Great ranch plan with a 2 car front entry garage & a covered front porch. Hardwood floors through the foyer, dining room, kitchen, & living room. Open foyer & formal dini...
- 3 Beds
- 2 Baths
- 2519976 MLS
- ACTIVE Status
Office w/ French Doors on Main Level! Hardwood-Style Flooring on Main Level! Terrific Kitchen w/ 6 Foot Island, Cstm Cabs w/ Crown, Granite CTops, Subway Tile Backsplash,...
- 4 Beds
- 3 Baths
- 2527061 MLS
- ACTIVE Status
Cul-de-Sac Home Site! Office w/ French Doors and Data Wiring on Main Level! Terrific Kitchen w/ 7 Foot Island, "Flagstone" Birch Cabs, Granite CTops, Tile Backsplash, SS ...
- 4 Beds
- 3 Baths
- 2526003 MLS
- ACTIVE Status
OWNER FINANCING!!!! Let's Play GOLF!!!! OWNER FINANCING AVAILABLE with $15K-$20K down. The home is located on an almost 1/2 acre lot at Lake Royale "River" Golf Course. T...
- 3 Beds
- 2 Baths
- 2523031 MLS
- ACTIVE Status
New Construction home in resort community of Lake Royale. This is one story living at it's finest. Thoughtfully laid out split bedroom plan with walk in closets in all ...
- 3 Beds
- 2 Baths
- 2528222 MLS
- ACTIVE Status
Guest Suite on Main Level! Hardwood-Style Flooring Through Main Level! Kitchen: 10 Foot Island, Stone Gray Cabs w/ Crown, Granite CTops, Tile Backsplash, SS Appliances, P...
- 5 Beds
- 3 Baths
- 2527016 MLS
- ACTIVE Status
Gorgeous 4 bed Home on cul-de-sac lot with a 2 car garage! Features a bright open floor plan and upgrades galore including a custom kitchen with new shaker cabinets, gran...
- 4 Beds
- 3 Baths
- 2526683 MLS
- ACTIVE Status
Custom Built by Ken Harvey Homes! Huge Rocking Chair Front Porch! 7" Wide Plank Waterproof/Scratch Resistant LVP Floors Thru Main Living! Kit: Custom "Graphite" Painted C...
- 3 Beds
- 3 Baths
- 2512270 MLS
- ACTIVE Status
Guest Suite on Main Level! Hardwood-Style Floors on Main Level! Terrific Kitchen w/ 10 Foot Island, Cstm Cabs, Granite CTops, Tile Backsplash, SS Appliances, Pendant Ligh...
- 5 Beds
- 3 Baths
- 2530979 MLS
- ACTIVE Status
Come check out this great oversized lot available on 0.41 Acres!!! Build your dream home now or later! Enjoy boating, swimming, fishing and golf in Lake Royale's Gated Co...
- 4 Beds
- 4 Baths
- 2524639 MLS
- ACTIVE Status
Currently under construction with an anticipated mid-September 2023 completion, this new home invites you to shape enduring memories. Its fusion of elegance and comfort m...
- 3 Beds
- 2 Baths
- 2528135 MLS
- ACTIVE Status
Experience the quintessence of modern luxury living in this stunning property located just 40 minutes from Raleigh within the prestigious Lake Royale 24/7 gated community...
- 3 Beds
- 3 Baths
- 2533787 MLS
- ACTIVE Status
Primary Suite on Main Level! Luxury Vinyl Plank Floors Thru Main Living! Terrific Kitchen w/ Peninsula Island, Cstm Cabs, Granite CTops, Subway Tile Backsplash, Pendant L...
- 5 Beds
- 4 Baths
- 2525911 MLS
- ACTIVE Status
Custom Built by Ken Harvey Homes! Custom Built by Ken Harvey Homes! Rocking Chair Front Porch! Wide Plank Waterproof LVP & Crown Thru Main Living! Kitchen: SteelGrey Cabs...
- 3 Beds
- 3 Baths
- 2491691 MLS
- ACTIVE Status
Imagine sweet tea among the roses on the wraparound porch as you enjoy the peace and harmony of this small farm. Charming traditional farmhouse with historic architectura...
- 2 Beds
- 1 Baths
- 2518244 MLS
- ACTIVE Status
2023 PARADE HOME! Custom Built by Ken Harvey Homes! Huge Rocking Chair Front Porch! 7" Wide Plank Waterproof/Scratch Resistant LVP Floors Thru Main Living! Kit: Custom "T...
- 3 Beds
- 3 Baths
- 2520697 MLS
- ACTIVE Status
Come see this very rare opportunity for a 4 bedroom first floor master home in the amazing Lake Royale neighborhood! Enhanced Vinyl floorthroughout the first floor common...
- 4 Beds
- 3 Baths
- 2525276 MLS
- ACTIVE Status
ASK ABOUT OUR FIRST TIME BUYERS PROGRAM! 100% Financing Available! Custom Built by Ken Harvey Homes! Huge Rocking Chair Front Porch! Wide Plank Waterproof LVP Floors & Cr...
- 3 Beds
- 3 Baths
- 2526947 MLS
- ACTIVE Status
Long driveway leads to your perfect ranch in the woods. This open floor plan home has double bathroom in the master along with double doors that opens up to a covered por...
- 3 Beds
- 3 Baths
- 2533616 MLS
- ACTIVE Status
High Quality Premier Builder,3 BR, 2.5 BA, Gorgeous 1st Floor Master Suite, large 2 Car Gar. Many details other builders overlook: Gutter Guards, Fridge Conveys, 2x6 cons...
- 3 Beds
- 3 Baths
- 2504677 MLS
- ACTIVE Status
Step into the epitome of elegance and modern comfort in this stunning residence, where every detail meets high-quality standards in structural design and top-notch finish...
- 3 Beds
- 2 Baths
- 2532406 MLS
- ACTIVE Status
High Quality Premier Builder,3 BR, 2.5 BA, Gorgeous 1st Floor Master Suite, large 2 Car Gar. Many details other builders overlook: Gutter Guards, Fridge Conveys, 2x6 cons...
- 3 Beds
- 3 Baths
- 2501985 MLS
- ACTIVE Status
Welcome to the best value ranch home in Lake Royale! This spectacular property is located in a resort community that boasts a stunning 345-acre lake that is perfect for b...
- 3 Beds
- 3 Baths
- 2503290 MLS
- ACTIVE Status
High Quality Premier Builder, Just Finished, 3 BR, 2.5 BA, Gorgeous 1st Floor Master Suite, large 2 Car Gar. Many details other builders overlook: 2x6 construction, 30-ye...
- 3 Beds
- 4 Baths
- 2510090 MLS
- ACTIVE Status
Office w/ French Doors on Main Level! Hardwood-Style Flooring Thru Main Level! Kitchen w/ 7 Foot Island, Cstm Birch Cabs, Granite CTops, SS Appliances, Subway Tile Backsp...
- 4 Beds
- 4 Baths
- 2524556 MLS
- ACTIVE Status
Breathtaking cabin will transport you back in time. Enjoy the simple pleasures of nature on this over 1 acre gardeners paradise, full of native and exotic plantings and ...
- 3 Beds
- 2 Baths
- 2529609 MLS
- ACTIVE Status
Custom Built by Ken Harvey Homes w/Huge Rocking Chair Front Porch! Opens into Dramatic Open Concept Kitchen, DiningRm & FamilyRm w/Fireplace, StainedMantle & ShiplapAccen...
- 3 Beds
- 3 Baths
- 2510535 MLS
- ACTIVE Status
1% of Loan Amt Paid in ClosingCsts w/Use of Preferred Lender! Custom Built by Ken Harvey Homes! Primary Suite Downstairs! Wide Plank Waterproof LVP Flooring & Crown Thru ...
- 3 Beds
- 3 Baths
- 2510829 MLS
- ACTIVE Status
Imagine living in this gorgeous single story, 3 bedroom, 2 bath home in Lake Royale featuring an elegant double mahogany entry door. The kitchen has beautiful granite cou...
- 3 Beds
- 2 Baths
- 2512511 MLS
- ACTIVE Status
4 bedroom home with a finished & heated BASEMENT on a large fenced back yard in Golden Pond! The large basement (with inside & outside entrances) features bedroom, full b...
- 4 Beds
- 4 Baths
- 2533801 MLS
- ACTIVE Status
Office w/French Doors on Main Level! Terrific Kitchen w/Island, Ctsm Cabinets, Granite CTops, Tile Backsplash, SS Appliances, Pendant Lights & Pantry! Separate Dining Roo...
- 4 Beds
- 3 Baths
- 2533035 MLS
- ACTIVE Status
Listings provided courtesy of Triangle MLS, Inc. of NC, Internet Data Exchange Database. Information deemed reliable but not guaranteed. © 2023 Triangle MLS, Inc. of North Carolina. Data last updated .