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Cherokee County, North Carolina VA Home Loan Information

cherokeeThe 2021 $0 down, VA home loan limit for Cherokee County is $548,250.

Located at the western end of North Carolina, Cherokee County is an excellent place to take in the majestic views of the Appalachian Mountains. Named for the Cherokee Native American Tribe, Cherokee County was officially created in 1839. If you love nature, then there are few better places to spend your days than Cherokee County. Camping, whitewater rafting, and hiking are all activities frequently enjoyed in Cherokee County. Its proximity to several lakes and rivers makes Cherokee County a great place for aquatic activities. Visit the downtown areas for many great restaurants, shopping areas, movie theaters, and more. The total population of the county is 27,141, including a veteran population of 2,740.

Home to a large portion of the Appalachian Mountains, Cherokee County offers some of the most striking views in North Carolina. Avid hikers will appreciate the miles and miles of trails in the mountains. These trails are excellent places for hiking, mountain biking, and horseback riding. The trails are also great places to see the interesting wildlife that lives in Cherokee County, including deer, foxes, elk, and bears. Follow one of the trails to find the many majestic waterfalls located in the Appalachian Mountains.

Cherokee Lake is a great place to spend the day with friends or family. If you are a fan of boating, canoeing, or kayaking, then you will love Cherokee County. You will find the residents of Cherokee County swimming and enjoying the cool waters of Cherokee Lake during the summer months. The Ocoee River is an excellent place to go fishing. Other activities frequently enjoyed at the rivers of Cherokee County include whitewater rafting, kayaking, and camping. Other waterways in Cherokee County include the Hiwassee River and the Hiwassee Lake.

Cherokee County is known for its many delicious food and drink options. If you are a fan of craft beer, there are several breweries in Cherokee County, including Andrews Brewing Company. Burgers, Southern cooking, ethnic food, and fine dining can all be found in Cherokee County. The county also has all of your favorite fast-food joints! For the freshest fruits and vegetables, be sure to visit one of the many farmer’s markets. Cherokee County is also the home of many wineries with the finest wines in North Carolina.

Another thing Cherokee County is known for is its variety of hand-made items. Art by local arts can be found in one of the many art galleries or coffee shops. Pottery, paintings, and sculptures by local artists can all be easily found. If you are interested in improving your artistic skills, be sure to enroll in one of the many art classes offered all over Cherokee County.

The local Veteran’s Service Office is an excellent resource for veterans living in Cherokee County. The State of North Carolina offers a multitude of benefits to its veterans. The median household income in the county is $34,432, and the median housing cost is $145,000.

Take the First Step to Buying a Great Home

Contact VA Home Loan Centers to be matched with a licensed real estate agent.

Cherokee County Property Search

Andrews, Marble, Culberson, Owl Creek, Topton, Unaka, Woodville, Beaverdam, Brasstown, Hothouse, Murphy, Notla, Shoal Creek, Valleytown

28771, 30559, 28902, 28901, 28904, 28903, 28906, 28905, 28909, 28713, 30572, 28781, 37391, 30512

For a list of VA-approved properties in Cherokee County, call VA Home Loan Centers at 888-573-4496.

Cherokee County Condo Search

There are not currently any VA-approved condos located in Cherokee County. Obtaining condo approval is easy! Click here to find out how.

VFW Post

Post 10222 Murphy Post
PO Box 712
Murphy, NC 28906
United States
Phone: (828) 837-0390

Meeting Location & Time
63 Drew Taylor Rd
Murphy, NC 28906
United States
7:00 PM 4th Monday

Quartermaster: Victor Fredlund
Charles Bowers

Maximum VA Appraisal Fees Allowable in Cherokee County

  • Single Family: $400
  • 2-4 Units: $550
  • Condo: $450
  • Partial Releases: $450
  • Repair/Completion Certificates: $100


  1. North Carolina VA Loan Information: https://www.vahomeloancenters.org/north-carolina-maximum-military-mortgage-home-loan-amount-limits/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/