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2026 USDA Loan Income Limits

USDA loans are 0% down payment mortgages available for low- to moderate-income families. To qualify, you must find a property in a USDA-eligible rural or suburban area, and your total household income cannot exceed the local USDA income limit.

Find The USDA Income Limit For Your Area

    • Income Limits for: Most Locations
      Household of 1-4
      $119,850
      - or -
      Household of 5-8*
      $158,250
    • Get your USDA quote

For non-specific areas, the income limits are $119,850 for a 1-4 member household and $158,250 for a 5-8 member household.

*If a household exceeds 8 members, each additional member receives 8% of the 4-person income limit for their area towards the total.

USDA Loan Income Limits by Location

  • State Location Household of 1-4 Household of 5-8
  • Alaska USDA Income Limits by County, City, and Town
    • All properties with road access $124,300 $164,100
    • All properties without road access $192,850 $254,550
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  • Alabama USDA Income Limits by County, City, and Town
    • Huntsville MSA $132,850 $175,400
    • All other areas $119,850 $158,250
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  • Arkansas USDA Income Limits by County, City, and Town
    • All areas $119,850 $158,250
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  • Arizona USDA Income Limits by County, City, and Town
    • Flagstaff MSA $125,400 $165,550
    • Phoenix-Mesa-Chandler MSA $129,000 $170,300
    • All areas $119,850 $158,250
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  • California USDA Income Limits by County, City, and Town
    • Bakersfield-Delano MSA $121,900 $160,950
    • Chico MSA $121,900 $160,950
    • El Centro MSA $121,900 $160,950
    • Fresno MSA $121,900 $160,950
    • Fresno HUD Metro FMR Area $121,900 $160,950
    • Madera County HUD Metro FMR Area $121,900 $160,950
    • Hanford-Corcoran MSA $121,900 $160,950
    • Los Angeles-Long Beach-Anaheim MSA $175,950 $232,300
    • Los Angeles-Long Beach-Glendale HUD Metro FMR Area $175,950 $232,300
    • Santa Ana-Anaheim-Irvine HUD Metro FMR Area $194,550 $256,850
    • Merced MSA $121,900 $160,950
    • Modesto MSA $121,900 $160,950
    • Napa MSA $187,100 $247,000
    • Oxnard-Thousand Oaks-Ventura MSA $172,150 $227,250
    • Redding MSA $121,900 $160,950
    • Riverside-San Bernardino-Ontario MSA $128,650 $169,850
    • Sacramento-Roseville-Folsom MSA $147,900 $195,250
    • Sacramento--Roseville--Arden-Arcade HUD Metro FMR Area $147,900 $195,250
    • Yolo HUD Metro FMR Area $144,750 $191,100
    • Salinas MSA $199,900 $263,900
    • San Diego-Chula Vista-Carlsbad MSA $193,050 $254,850
    • San Francisco-Oakland-Fremont MSA $179,750 $237,300
    • Oakland-Fremont HUD Metro FMR Area $179,750 $237,300
    • San Francisco HUD Metro FMR Area $238,200 $314,450
    • San Jose-Sunnyvale-Santa Clara MSA $153,750 $202,950
    • San Benito County HUD Metro FMR Area $153,750 $202,950
    • San Jose-Sunnyvale-Santa Clara HUD Metro FMR Area $229,350 $302,750
    • San Luis Obispo-Paso Robles MSA $160,000 $211,150
    • Santa Cruz-Watsonville MSA $265,100 $349,900
    • Santa Maria-Santa Barbara MSA $203,000 $268,000
    • Santa Rosa-Petaluma MSA $173,950 $229,650
    • Stockton-Lodi MSA $121,900 $160,950
    • Vallejo MSA $158,000 $208,600
    • Visalia MSA $121,900 $160,950
    • Yuba City MSA $121,900 $160,950
    • Alpine County $132,700 $175,200
    • Amador County $126,350 $166,800
    • Calaveras County $121,900 $160,950
    • Colusa County $121,900 $160,950
    • Del Norte County $121,900 $160,950
    • Glenn County $121,900 $160,950
    • Humboldt County $121,900 $160,950
    • Inyo County $121,900 $160,950
    • Lake County $121,900 $160,950
    • Lassen County $121,900 $160,950
    • Mariposa County $121,900 $160,950
    • Mendocino County $121,900 $160,950
    • Modoc County $121,900 $160,950
    • Mono County $121,900 $160,950
    • Nevada County $130,800 $172,700
    • Plumas County $121,900 $160,950
    • Sierra County $121,900 $160,950
    • Siskiyou County $121,900 $160,950
    • Tehama County $121,900 $160,950
    • Trinity County $121,900 $160,950
    • Tuolumne County $121,900 $160,950
    • All other areas $119,850 $158,250
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  • Colorado USDA Income Limits by County, City, and Town
    • Boulder MSA $149,800 $197,750
    • Colorado Springs MSA $130,250 $171,950
    • Colorado Springs HUD Metro FMR Area $130,250 $171,950
    • Teller County HUD Metro FMR Area $130,250 $171,950
    • Denver-Aurora-Centennial MSA $149,800 $197,750
    • Fort Collins-Loveland MSA $146,750 $193,750
    • Grand Junction MSA $130,250 $171,950
    • Greeley MSA $131,700 $173,850
    • Pueblo MSA $130,250 $171,950
    • Alamosa County $130,250 $171,950
    • Archuleta County $130,250 $171,950
    • Baca County $130,250 $171,950
    • Bent County $130,250 $171,950
    • Chaffee County $130,250 $171,950
    • Cheyenne County $130,250 $171,950
    • Conejos County $130,250 $171,950
    • Costilla County $130,250 $171,950
    • Crowley County $130,250 $171,950
    • Custer County $130,250 $171,950
    • Delta County $130,250 $171,950
    • Dolores County $130,250 $171,950
    • Eagle County $149,800 $197,750
    • Fremont County $130,250 $171,950
    • Garfield County $130,250 $171,950
    • Grand County $130,250 $171,950
    • Gunnison County $130,250 $171,950
    • Hinsdale County $130,250 $171,950
    • Huerfano County $130,250 $171,950
    • Jackson County $130,250 $171,950
    • Kiowa County $130,250 $171,950
    • Kit Carson County $130,250 $171,950
    • La Plata County $135,150 $178,400
    • Lake County $130,250 $171,950
    • Las Animas County $130,250 $171,950
    • Lincoln County $130,250 $171,950
    • Logan County $130,250 $171,950
    • Mineral County $130,250 $171,950
    • Moffat County $130,250 $171,950
    • Montezuma County $130,250 $171,950
    • Montrose County $130,250 $171,950
    • Morgan County $130,250 $171,950
    • Otero County $130,250 $171,950
    • Ouray County $130,250 $171,950
    • Phillips County $130,250 $171,950
    • Pitkin County $149,800 $197,750
    • Prowers County $130,250 $171,950
    • Rio Blanco County $130,250 $171,950
    • Rio Grande County $130,250 $171,950
    • Routt County $149,500 $197,350
    • Saguache County $130,250 $171,950
    • San Juan County $130,250 $171,950
    • San Miguel County $137,450 $181,450
    • Sedgwick County $130,250 $171,950
    • Summit County $152,950 $201,900
    • Washington County $130,250 $171,950
    • Yuma County $130,250 $171,950
    • All other areas $119,850 $158,250
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  • Connecticut USDA Income Limits by County, City, and Town
    • Bridgeport-Stamford-Danbury MSA $155,050 $204,700
    • Bridgeport town Exception Area $147,050 $194,150
    • Bridgewater town Exception Area $143,400 $189,300
    • Darien town Exception Area $176,150 $232,550
    • Easton town Exception Area $147,050 $194,150
    • Fairfield town Exception Area $147,050 $194,150
    • Greenwich town Exception Area $176,150 $232,550
    • Monroe town Exception Area $147,050 $194,150
    • New Canaan town Exception Area $176,150 $232,550
    • New Milford town Exception Area $143,400 $189,300
    • Norwalk town Exception Area $176,150 $232,550
    • Stamford town Exception Area $176,150 $232,550
    • Stratford town Exception Area $147,050 $194,150
    • Trumbull town Exception Area $147,050 $194,150
    • Weston town Exception Area $176,150 $232,550
    • Westport town Exception Area $176,150 $232,550
    • Wilton town Exception Area $176,150 $232,550
    • Hartford-West Hartford-East Hartford MSA $145,600 $192,200
    • Clinton town Exception Area $149,800 $197,750
    • Deep River town Exception Area $149,800 $197,750
    • Essex town Exception Area $149,800 $197,750
    • Killingworth town Exception Area $149,800 $197,750
    • Lyme town Exception Area $143,400 $189,300
    • Old Lyme town Exception Area $143,400 $189,300
    • Old Saybrook town Exception Area $149,800 $197,750
    • Westbrook town Exception Area $149,800 $197,750
    • Bethany town Exception Area $137,000 $180,850
    • Branford town Exception Area $137,000 $180,850
    • East Haven town Exception Area $137,000 $180,850
    • Guilford town Exception Area $137,000 $180,850
    • Hamden town Exception Area $137,000 $180,850
    • Madison town Exception Area $137,000 $180,850
    • Meriden town Exception Area $137,000 $180,850
    • Milford town Exception Area $149,800 $197,750
    • New Haven town Exception Area $137,000 $180,850
    • North Branford town Exception Area $137,000 $180,850
    • North Haven town Exception Area $137,000 $180,850
    • Orange town Exception Area $137,000 $180,850
    • Wallingford town Exception Area $137,000 $180,850
    • West Haven town Exception Area $137,000 $180,850
    • Woodbridge town Exception Area $137,000 $180,850
    • Norwich-New London-Willimantic MSA $137,000 $180,850
    • Colchester town Exception Area $149,800 $197,750
    • Lebanon town Exception Area $149,800 $197,750
    • Windham town Exception Area $137,000 $180,850
    • Ansonia town Exception Area $149,800 $197,750
    • Beacon Falls town Exception Area $149,800 $197,750
    • Bethlehem town Exception Area $137,000 $180,850
    • Bristol town Exception Area $140,100 $184,950
    • Cheshire town Exception Area $137,000 $180,850
    • Derby town Exception Area $149,800 $197,750
    • Middlebury town Exception Area $137,000 $180,850
    • Naugatuck town Exception Area $137,000 $180,850
    • Oxford town Exception Area $149,800 $197,750
    • Plymouth town Exception Area $137,000 $180,850
    • Prospect town Exception Area $137,000 $180,850
    • Seymour town Exception Area $149,800 $197,750
    • Shelton town Exception Area $137,000 $180,850
    • Southbury town Exception Area $137,000 $180,850
    • Thomaston town Exception Area $137,000 $180,850
    • Waterbury town Exception Area $137,000 $180,850
    • Watertown town Exception Area $137,000 $180,850
    • Wolcott town Exception Area $137,000 $180,850
    • Woodbury town Exception Area $137,000 $180,850
    • Ashford town Exception Area $137,000 $180,850
    • Brooklyn town Exception Area $137,000 $180,850
    • Canterbury town Exception Area $137,000 $180,850
    • Chaplin town Exception Area $137,000 $180,850
    • Eastford town Exception Area $137,000 $180,850
    • Hampton town Exception Area $137,000 $180,850
    • Killingly town Exception Area $137,000 $180,850
    • Plainfield town Exception Area $137,000 $180,850
    • Pomfret town Exception Area $137,000 $180,850
    • Putnam town Exception Area $137,000 $180,850
    • Scotland town Exception Area $137,000 $180,850
    • Sterling town Exception Area $137,000 $180,850
    • Thompson town Exception Area $137,000 $180,850
    • Union town Exception Area $140,100 $184,950
    • Voluntown town Exception Area $137,000 $180,850
    • Woodstock town Exception Area $137,000 $180,850
    • Northwest Hills Planning Region $137,000 $180,850
    • Burlington town Exception Area $140,100 $184,950
    • Hartland town Exception Area $140,100 $184,950
    • All other areas $119,850 $158,250
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  • District Of Columbia USDA Income Limits by County, City, and Town
    • Washington-Arlington-Alexandria MSA $153,550 $202,700
    • Washington-Arlington-Alexandria HUD Metro FMR Area $153,550 $202,700
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  • Delaware USDA Income Limits by County, City, and Town
    • Philadelphia-Camden-Wilmington MSA $137,300 $181,250
    • All other areas $119,850 $158,250
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  • Florida USDA Income Limits by County, City, and Town
    • Miami-Fort Lauderdale-West Palm Beach MSA $132,550 $175,000
    • Fort Lauderdale HUD Metro FMR Area $132,550 $175,000
    • Miami-Miami Beach-Kendall HUD Metro FMR Area $142,450 $188,050
    • West Palm Beach-Boca Raton HUD Metro FMR Area $134,400 $177,450
    • Naples-Marco Island MSA $130,650 $172,500
    • North Port-Bradenton-Sarasota MSA $123,750 $163,350
    • Orlando-Kissimmee-Sanford MSA $121,200 $160,000
    • Tampa-St. Petersburg-Clearwater MSA $119,950 $158,350
    • Monroe County $149,850 $197,850
    • All other areas $119,850 $158,250
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  • Georgia USDA Income Limits by County, City, and Town
    • Atlanta-Sandy Springs-Roswell MSA $131,300 $173,350
    • Atlanta-Sandy Springs-Roswell HUD Metro FMR Area $131,300 $173,350
    • All other areas $119,850 $158,250
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  • Hawaii USDA Income Limits by County, City, and Town
    • Kahului-Wailuku MSA $154,800 $204,350
    • Kahului-Wailuku-Lahaina HUD Metro FMR Area $154,800 $204,350
    • Urban Honolulu MSA $174,800 $230,750
    • Hawaii County $139,000 $183,500
    • Kauai County $158,350 $209,050
    • All other areas $119,850 $158,250
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  • Iowa USDA Income Limits by County, City, and Town
    • Ames MSA $142,450 $188,050
    • Ames HUD Metro FMR Area $142,450 $188,050
    • Boone County HUD Metro FMR Area $125,150 $165,200
    • Cedar Rapids MSA $127,450 $168,250
    • Benton County HUD Metro FMR Area $127,450 $168,250
    • Des Moines-West Des Moines MSA $131,700 $173,850
    • Des Moines-West Des Moines HUD Metro FMR Area $131,700 $173,850
    • Iowa City MSA $135,900 $179,400
    • Iowa City HUD Metro FMR Area $135,900 $179,400
    • Omaha MSA $130,750 $172,600
    • Omaha-Council Bluffs HUD Metro FMR Area $130,750 $172,600
    • Waterloo-Cedar Falls MSA $123,050 $162,450
    • Bremer County HUD Metro FMR Area $123,050 $162,450
    • Cedar County $120,050 $158,500
    • Dickinson County $125,650 $165,900
    • Marion County $120,300 $158,800
    • Sioux County $126,050 $166,400
    • All other areas $119,850 $158,250
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  • Idaho USDA Income Limits by County, City, and Town
    • Boise City MSA $123,050 $162,450
    • Boise City HUD Metro FMR Area $123,050 $162,450
    • Logan MSA $124,350 $164,150
    • Teton County $124,800 $164,750
    • All other areas $119,850 $158,250
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  • Illinois USDA Income Limits by County, City, and Town
    • Bloomington MSA $136,650 $180,400
    • Champaign-Urbana MSA $122,100 $161,200
    • Champaign-Urbana HUD Metro FMR Area $122,100 $161,200
    • Chicago-Naperville-Elgin MSA $137,850 $182,000
    • Chicago-Joliet-Naperville HUD Metro FMR Area $137,850 $182,000
    • Grundy County HUD Metro FMR Area $136,650 $180,400
    • Kendall County HUD Metro FMR Area $149,800 $197,750
    • Springfield MSA $131,900 $174,150
    • St. Louis HUD Metro FMR Area $128,100 $169,100
    • All other areas $119,850 $158,250
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  • Indiana USDA Income Limits by County, City, and Town
    • Bloomington MSA $124,650 $164,550
    • Bloomington HUD Metro FMR Area $124,650 $164,550
    • Cincinnati MSA $128,600 $169,800
    • Cincinnati HUD Metro FMR Area $128,600 $169,800
    • Indianapolis-Carmel HUD Metro FMR Area $127,300 $168,050
    • All other areas $119,850 $158,250
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  • Kansas USDA Income Limits by County, City, and Town
    • Kansas City MSA $128,100 $169,100
    • Kansas City HUD Metro FMR Area $128,100 $169,100
    • Nemaha County $122,600 $161,850
    • All other areas $119,850 $158,250
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  • Kentucky USDA Income Limits by County, City, and Town
    • Cincinnati MSA $128,600 $169,800
    • Cincinnati HUD Metro FMR Area $128,600 $169,800
    • Shelby County HUD Metro FMR Area $121,700 $160,650
    • All other areas $119,850 $158,250
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  • Louisiana USDA Income Limits by County, City, and Town
    • All other areas $119,850 $158,250
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  • Massachusetts USDA Income Limits by County, City, and Town
    • Amherst Town-Northampton MSA $152,500 $201,300
    • Barnstable Town MSA $153,550 $202,700
    • Boston-Cambridge-Newton MSA $190,200 $251,100
    • Boston-Cambridge-Quincy HUD Metro FMR Area $190,200 $251,100
    • Brockton HUD Metro FMR Area $152,500 $201,300
    • Lawrence HUD Metro FMR Area $152,500 $201,300
    • Lowell HUD Metro FMR Area $152,500 $201,300
    • Pittsfield MSA $152,500 $201,300
    • Berkshire County (part) HUD Metro FMR Area $152,500 $201,300
    • Pittsfield HUD Metro FMR Area $152,500 $201,300
    • Providence-Warwick MSA $161,150 $212,750
    • Easton-Raynham HUD Metro FMR Area $161,150 $212,750
    • New Bedford HUD Metro FMR Area $152,500 $201,300
    • Providence-Fall River HUD Metro FMR Area $131,450 $173,550
    • Taunton-Mansfield-Norton HUD Metro FMR Area $152,500 $201,300
    • Springfield MSA $152,500 $201,300
    • Worcester MSA $152,500 $201,300
    • Eastern Worcester County HUD Metro FMR Area $152,500 $201,300
    • Fitchburg-Leominster HUD Metro FMR Area $152,500 $201,300
    • Western Worcester County HUD Metro FMR Area $152,500 $201,300
    • Worcester HUD Metro FMR Area $152,500 $201,300
    • Dukes County $155,850 $205,750
    • Franklin County $152,500 $201,300
    • Nantucket County $190,450 $251,400
    • All other areas $119,850 $158,250
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  • Maryland USDA Income Limits by County, City, and Town
    • Baltimore-Columbia-Towson MSA $149,800 $197,750
    • Hagerstown-Martinsburg MSA $129,650 $171,150
    • Hagerstown HUD Metro FMR Area $129,650 $171,150
    • Lexington Park MSA $153,550 $202,700
    • Calvert County HUD Metro FMR Area $153,550 $202,700
    • St. Mary's County HUD Metro FMR Area $149,800 $197,750
    • Philadelphia-Camden-Wilmington MSA $137,300 $181,250
    • Salisbury MSA $129,650 $171,150
    • Salisbury HUD Metro FMR Area $129,650 $171,150
    • Somerset County HUD Metro FMR Area $129,650 $171,150
    • Washington-Arlington-Alexandria MSA $153,550 $202,700
    • Washington-Arlington-Alexandria HUD Metro FMR Area $153,550 $202,700
    • Allegany County $129,650 $171,150
    • Caroline County $129,650 $171,150
    • Dorchester County $129,650 $171,150
    • Garrett County $129,650 $171,150
    • Kent County $129,650 $171,150
    • Talbot County $132,250 $174,600
    • Worcester County $129,650 $171,150
    • All other areas $119,850 $158,250
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  • Maine USDA Income Limits by County, City, and Town
    • Portland-South Portland MSA $125,950 $166,300
    • Cumberland County (part) HUD Metro FMR Area $125,950 $166,300
    • Portland HUD Metro FMR Area $149,300 $197,100
    • York County (part) HUD Metro FMR Area $122,900 $162,250
    • York-Kittery-South Berwick HUD Metro FMR Area $147,400 $194,600
    • All other areas $119,850 $158,250
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  • Michigan USDA Income Limits by County, City, and Town
    • Ann Arbor MSA $144,750 $191,100
    • Livingston County HUD Metro FMR Area $149,800 $197,750
    • Grand Rapids-Wyoming HUD Metro FMR Area $122,350 $161,550
    • Holland-Grand Haven HUD Metro FMR Area $127,200 $167,950
    • Grand Traverse County HUD Metro FMR Area $122,050 $161,150
    • Leelanau County HUD Metro FMR Area $128,950 $170,250
    • All other areas $119,850 $158,250
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  • Minnesota USDA Income Limits by County, City, and Town
    • Duluth MSA $121,900 $160,950
    • Fargo MSA $132,950 $175,500
    • Grand Forks MSA $124,500 $164,350
    • La Crosse-Onalaska MSA $123,500 $163,050
    • La Crosse-Onalaska HUD Metro FMR Area $123,500 $163,050
    • Mankato MSA $121,900 $160,950
    • Minneapolis-St. Paul-Bloomington MSA $134,350 $177,350
    • Le Sueur County HUD Metro FMR Area $134,350 $177,350
    • Mille Lacs County HUD Metro FMR Area $121,900 $160,950
    • Minneapolis-St. Paul-Bloomington HUD Metro FMR Area $149,800 $197,750
    • Rochester MSA $121,900 $160,950
    • Fillmore County HUD Metro FMR Area $121,900 $160,950
    • Rochester HUD Metro FMR Area $144,450 $190,700
    • Wabasha County HUD Metro FMR Area $121,900 $160,950
    • Sioux Falls MSA $121,900 $160,950
    • Rock County HUD Metro FMR Area $121,900 $160,950
    • St. Cloud MSA $121,900 $160,950
    • Aitkin County $121,900 $160,950
    • Becker County $121,900 $160,950
    • Beltrami County $121,900 $160,950
    • Big Stone County $121,900 $160,950
    • Brown County $121,900 $160,950
    • Cass County $121,900 $160,950
    • Chippewa County $121,900 $160,950
    • Clearwater County $121,900 $160,950
    • Cook County $121,900 $160,950
    • Cottonwood County $121,900 $160,950
    • Crow Wing County $121,900 $160,950
    • Douglas County $121,900 $160,950
    • Faribault County $121,900 $160,950
    • Freeborn County $121,900 $160,950
    • Goodhue County $130,150 $171,800
    • Grant County $121,900 $160,950
    • Hubbard County $121,900 $160,950
    • Itasca County $121,900 $160,950
    • Jackson County $121,900 $160,950
    • Kanabec County $121,900 $160,950
    • Kandiyohi County $121,900 $160,950
    • Kittson County $121,900 $160,950
    • Koochiching County $121,900 $160,950
    • Lac qui Parle County $121,900 $160,950
    • Lake County $121,900 $160,950
    • Lake of the Woods County $121,900 $160,950
    • Lincoln County $121,900 $160,950
    • Lyon County $121,900 $160,950
    • Mahnomen County $121,900 $160,950
    • Marshall County $121,900 $160,950
    • Martin County $121,900 $160,950
    • McLeod County $125,200 $165,300
    • Meeker County $121,900 $160,950
    • Morrison County $121,900 $160,950
    • Mower County $121,900 $160,950
    • Murray County $121,900 $160,950
    • Nobles County $121,900 $160,950
    • Norman County $121,900 $160,950
    • Otter Tail County $121,900 $160,950
    • Pennington County $122,100 $161,200
    • Pine County $121,900 $160,950
    • Pipestone County $121,900 $160,950
    • Pope County $121,900 $160,950
    • Red Lake County $121,900 $160,950
    • Redwood County $121,900 $160,950
    • Renville County $121,900 $160,950
    • Rice County $123,850 $163,500
    • Roseau County $121,900 $160,950
    • Sibley County $121,900 $160,950
    • Steele County $132,050 $174,350
    • Stevens County $121,900 $160,950
    • Swift County $121,900 $160,950
    • Todd County $121,900 $160,950
    • Traverse County $121,900 $160,950
    • Wadena County $121,900 $160,950
    • Waseca County $121,900 $160,950
    • Watonwan County $121,900 $160,950
    • Wilkin County $121,900 $160,950
    • Winona County $121,900 $160,950
    • Yellow Medicine County $121,900 $160,950
    • All other areas $119,850 $158,250
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  • Missouri USDA Income Limits by County, City, and Town
    • Columbia MSA $121,700 $160,650
    • Columbia HUD Metro FMR Area $121,700 $160,650
    • Jefferson City HUD Metro FMR Area $120,750 $159,400
    • Kansas City HUD Metro FMR Area $128,100 $169,100
    • St. Louis MSA $128,100 $169,100
    • St. Louis HUD Metro FMR Area $128,100 $169,100
    • All other areas $119,850 $158,250
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  • Mississippi USDA Income Limits by County, City, and Town
    • All areas $119,850 $158,250
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  • Montana USDA Income Limits by County, City, and Town
    • Stillwater County HUD Metro FMR Area $126,350 $166,800
    • Bozeman MSA $136,850 $180,650
    • Jefferson County HUD Metro FMR Area $119,950 $158,350
    • Lewis and Clark County HUD Metro FMR Area $123,050 $162,450
    • Fallon County $132,250 $174,600
    • All other areas $119,850 $158,250
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  • North Carolina USDA Income Limits by County, City, and Town
    • Charlotte-Concord-Gastonia HUD Metro FMR Area $129,000 $170,300
    • Durham-Chapel Hill MSA $132,950 $175,500
    • Durham-Chapel Hill HUD Metro FMR Area $132,950 $175,500
    • Pinehurst-Southern Pines MSA $124,900 $164,900
    • Raleigh-Cary MSA $149,800 $197,750
    • Virginia Beach-Norfolk-Newport News HUD Metro FMR Are $122,500 $161,700
    • Wilmington HUD Metro FMR Area $124,550 $164,400
    • All other areas $119,850 $158,250
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  • North Dakota USDA Income Limits by County, City, and Town
    • Bismarck MSA $136,300 $179,950
    • Fargo MSA $132,950 $175,500
    • Grand Forks MSA $124,500 $164,350
    • Minot MSA $124,500 $164,350
    • McHenry County HUD Metro FMR Area $124,500 $164,350
    • Renville County HUD Metro FMR Area $124,500 $164,350
    • Ward County HUD Metro FMR Area $129,150 $170,500
    • Adams County $128,450 $169,600
    • Barnes County $124,500 $164,350
    • Benson County $124,500 $164,350
    • Billings County $133,550 $176,300
    • Bottineau County $128,250 $169,300
    • Bowman County $124,500 $164,350
    • Burke County $145,600 $192,200
    • Cavalier County $124,500 $164,350
    • Dickey County $124,500 $164,350
    • Divide County $136,400 $180,050
    • Dunn County $149,800 $197,750
    • Eddy County $124,500 $164,350
    • Emmons County $124,500 $164,350
    • Foster County $139,950 $184,750
    • Golden Valley County $124,550 $164,450
    • Grant County $124,500 $164,350
    • Griggs County $124,500 $164,350
    • Hettinger County $124,500 $164,350
    • Kidder County $124,500 $164,350
    • LaMoure County $124,500 $164,350
    • Logan County $124,500 $164,350
    • McIntosh County $124,500 $164,350
    • McKenzie County $135,900 $179,400
    • McLean County $127,450 $168,250
    • Mercer County $129,400 $170,850
    • Mountrail County $124,500 $164,350
    • Nelson County $124,500 $164,350
    • Pembina County $124,500 $164,350
    • Pierce County $124,500 $164,350
    • Ramsey County $124,500 $164,350
    • Ransom County $124,500 $164,350
    • Richland County $126,650 $167,200
    • Rolette County $124,500 $164,350
    • Sargent County $124,500 $164,350
    • Sheridan County $124,500 $164,350
    • Sioux County $124,500 $164,350
    • Slope County $124,500 $164,350
    • Stark County $126,050 $166,400
    • Steele County $128,450 $169,600
    • Stutsman County $127,450 $168,250
    • Towner County $124,500 $164,350
    • Traill County $140,150 $185,000
    • Walsh County $124,500 $164,350
    • Wells County $124,500 $164,350
    • Williams County $129,950 $171,550
    • All other areas $119,850 $158,250
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  • Nebraska USDA Income Limits by County, City, and Town
    • Lincoln MSA $123,650 $163,250
    • Lincoln HUD Metro FMR Area $123,650 $163,250
    • Seward County HUD Metro FMR Area $131,300 $173,350
    • Omaha MSA $130,750 $172,600
    • Omaha-Council Bluffs HUD Metro FMR Area $130,750 $172,600
    • Saunders County HUD Metro FMR Area $135,900 $179,400
    • Buffalo County $120,550 $159,150
    • Fillmore County $124,050 $163,750
    • Hamilton County $121,200 $160,000
    • Otoe County $122,900 $162,250
    • All other areas $119,850 $158,250
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  • New Hampshire USDA Income Limits by County, City, and Town
    • Boston-Cambridge-Newton MSA $190,200 $251,100
    • Boston-Cambridge-Quincy HUD Metro FMR Area $190,200 $251,100
    • Lawrence HUD Metro FMR Area $152,500 $201,300
    • Portsmouth-Rochester HUD Metro FMR Area $149,800 $197,750
    • Western Rockingham County HUD Metro FMR Area $149,800 $197,750
    • Manchester-Nashua MSA $139,500 $184,150
    • Hillsborough County (part) HUD Metro FMR Area $139,500 $184,150
    • Manchester HUD Metro FMR Area $141,250 $186,450
    • Nashua HUD Metro FMR Area $149,800 $197,750
    • Belknap County $136,000 $179,550
    • Carroll County $136,000 $179,550
    • Cheshire County $136,000 $179,550
    • Coos County $136,000 $179,550
    • Grafton County $136,000 $179,550
    • Merrimack County $142,450 $188,050
    • Sullivan County $136,000 $179,550
    • All other areas $119,850 $158,250
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  • New Jersey USDA Income Limits by County, City, and Town
    • Allentown-Bethlehem-Easton MSA $144,550 $190,850
    • Warren County HUD Metro FMR Area $144,550 $190,850
    • Atlantic City-Hammonton MSA $123,050 $162,450
    • Atlantic City-Hammonton HUD Metro FMR Area $123,050 $162,450
    • Cape May County HUD Metro FMR Area $138,800 $183,250
    • New York-Newark-Jersey City MSA $149,800 $197,750
    • Bergen-Passaic HUD Metro FMR Area $149,800 $197,750
    • Jersey City HUD Metro FMR Area $154,100 $203,450
    • Middlesex-Somerset-Hunterdon HUD Metro FMR Area $152,100 $200,800
    • Monmouth-Ocean HUD Metro FMR Area $149,800 $197,750
    • Newark HUD Metro FMR Area $149,800 $197,750
    • Philadelphia-Camden-Wilmington MSA $137,300 $181,250
    • Trenton-Princeton MSA $145,900 $192,600
    • Vineland MSA $123,050 $162,450
    • All other areas $119,850 $158,250
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  • New Mexico USDA Income Limits by County, City, and Town
    • Los Alamos County $149,800 $197,750
    • All other areas $119,850 $158,250
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  • Nevada USDA Income Limits by County, City, and Town
    • Reno HUD Metro FMR Area $127,050 $167,750
    • Douglas County $125,150 $165,200
    • Elko County $126,850 $167,450
    • Eureka County $125,550 $165,750
    • Lander County $129,150 $170,500
    • All other areas $119,850 $158,250
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  • New York USDA Income Limits by County, City, and Town
    • Albany-Schenectady-Troy MSA $135,500 $178,900
    • Ithaca MSA $138,350 $182,650
    • Kingston MSA $137,800 $181,900
    • Kiryas Joel-Poughkeepsie-Newburgh MSA $141,450 $186,750
    • New York-Newark-Jersey City MSA $173,300 $228,800
    • Nassau-Suffolk HUD Metro FMR Area $173,300 $228,800
    • New York HUD Metro FMR Area $186,300 $245,950
    • Rockland HUD Income Limit Area $186,300 $245,950
    • Westchester County Statutory Exception Area $166,100 $219,300
    • Columbia County $129,600 $171,100
    • All other areas $119,850 $158,250
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  • Ohio USDA Income Limits by County, City, and Town
    • Cincinnati HUD Metro FMR Area $128,600 $169,800
    • Columbus MSA $125,350 $165,500
    • Columbus HUD Metro FMR Area $125,350 $165,500
    • Union County HUD Metro FMR Area $147,400 $194,600
    • Ottawa County HUD Metro FMR Area $120,600 $159,200
    • Putnam County $124,050 $163,750
    • All other areas $119,850 $158,250
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  • Oklahoma USDA Income Limits by County, City, and Town
    • All other areas $119,850 $158,250
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  • Oregon USDA Income Limits by County, City, and Town
    • Bend MSA $131,450 $173,550
    • Bend-Redmond HUD Metro FMR Area $131,450 $173,550
    • Corvallis MSA $135,550 $178,950
    • Portland-Vancouver-Hillsboro MSA $142,750 $188,450
    • Hood River County $122,900 $162,250
    • All other areas $119,850 $158,250
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  • Pennsylvania USDA Income Limits by County, City, and Town
    • Harrisburg-Carlisle MSA $121,200 $160,000
    • Lancaster MSA $120,750 $159,400
    • Philadelphia-Camden-Wilmington MSA $137,300 $181,250
    • Pittsburgh HUD Metro FMR Area $123,400 $162,900
    • State College MSA $124,400 $164,250
    • York-Hanover MSA $121,700 $160,650
    • Monroe County $120,050 $158,500
    • All other areas $119,850 $158,250
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  • Rhode Island USDA Income Limits by County, City, and Town
    • Providence-Warwick MSA $152,100 $200,800
    • Newport-Middleton-Portsmouth HUD Metro FMR Area $152,100 $200,800
    • Providence-Fall River HUD Metro FMR Area $131,450 $173,550
    • Westerly-Hopkinton-New Shoreham HUD Metro FMR Area $142,250 $187,800
    • All other areas $119,850 $158,250
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  • South Carolina USDA Income Limits by County, City, and Town
    • Charleston-North Charleston MSA $127,500 $168,300
    • Charlotte-Concord-Gastonia MSA $129,000 $170,300
    • Charlotte-Concord-Gastonia HUD Metro FMR Area $129,000 $170,300
    • Hilton Head Island-Bluffton-Port Royal MSA $126,650 $167,200
    • Beaufort County HUD Metro FMR Area $126,650 $167,200
    • All other areas $119,850 $158,250
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  • South Dakota USDA Income Limits by County, City, and Town
    • Sioux Falls MSA $129,000 $170,300
    • Sioux Falls HUD Metro FMR Area $129,000 $170,300
    • Brookings County $130,300 $172,000
    • Brown County $121,200 $160,000
    • Faulk County $120,050 $158,500
    • Hanson County $122,850 $162,200
    • Marshall County $121,700 $160,650
    • Moody County $120,950 $159,700
    • Stanley County $130,600 $172,400
    • All other areas $119,850 $158,250
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  • Tennessee USDA Income Limits by County, City, and Town
    • Nashville-Davidson--Murfreesboro--Franklin HUD Metro FMR $132,050 $174,350
    • All other areas $119,850 $158,250
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  • Texas USDA Income Limits by County, City, and Town
    • Austin-Round Rock-San Marcos MSA $149,800 $197,750
    • Dallas-Fort Worth-Arlington MSA $134,900 $178,100
    • Dallas HUD Metro FMR Area $134,900 $178,100
    • Fort Worth-Arlington HUD Metro FMR Area $122,700 $162,000
    • Wise County HUD Metro FMR Area $121,450 $160,350
    • Brazoria County HUD Metro FMR Area $133,550 $176,300
    • Midland HUD Metro FMR Area $126,950 $167,600
    • Kendall County HUD Metro FMR Area $149,800 $197,750
    • Borden County $124,200 $163,950
    • Glasscock County $127,200 $167,950
    • All other areas $119,850 $158,250
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  • Utah USDA Income Limits by County, City, and Town
    • Logan MSA $124,350 $164,150
    • Ogden MSA $138,600 $183,000
    • Provo-Orem-Lehi MSA $136,500 $180,200
    • Salt Lake City-Murray MSA $141,100 $186,300
    • Salt Lake City HUD Metro FMR Area $141,100 $186,300
    • Tooele County HUD Metro FMR Area $126,850 $167,450
    • St. George MSA $124,350 $164,150
    • Beaver County $124,350 $164,150
    • Box Elder County $124,350 $164,150
    • Carbon County $124,350 $164,150
    • Daggett County $124,350 $164,150
    • Duchesne County $124,350 $164,150
    • Emery County $124,350 $164,150
    • Garfield County $124,350 $164,150
    • Grand County $124,350 $164,150
    • Iron County $124,350 $164,150
    • Kane County $124,350 $164,150
    • Millard County $124,350 $164,150
    • Piute County $124,350 $164,150
    • Rich County $124,350 $164,150
    • San Juan County $124,350 $164,150
    • Sanpete County $124,350 $164,150
    • Sevier County $124,350 $164,150
    • Summit County $149,800 $197,750
    • Uintah County $124,350 $164,150
    • Wasatch County $149,800 $197,750
    • Wayne County $124,350 $164,150
    • All other areas $119,850 $158,250
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  • Virginia USDA Income Limits by County, City, and Town
    • Blacksburg-Christiansburg-Radford MSA $126,050 $166,400
    • Blacksburg-Christiansburg-Radford HUD Metro FMR Area $126,050 $166,400
    • Charlottesville MSA $144,700 $191,050
    • Richmond HUD Metro FMR Area $130,550 $172,350
    • Virginia Beach-Norfolk-Newport News HUD Metro FMR Are $122,500 $161,700
    • Washington-Arlington-Alexandria MSA $132,400 $174,800
    • Culpeper County HUD Metro FMR Area $132,400 $174,800
    • Rappahannock County HUD Metro FMR Area $124,550 $164,450
    • Washington-Arlington-Alexandria HUD Metro FMR Area $153,550 $202,700
    • Winchester MSA $130,100 $171,750
    • Caroline County $124,400 $164,250
    • King George County $149,800 $197,750
    • Orange County $134,000 $176,850
    • All other areas $119,850 $158,250
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  • Vermont USDA Income Limits by County, City, and Town
    • Burlington-South Burlington MSA $149,300 $197,100
    • Addison County $133,550 $176,300
    • Bennington County $125,200 $165,300
    • Caledonia County $123,850 $163,500
    • Essex County $123,850 $163,500
    • Lamoille County $123,850 $163,500
    • Orange County $123,850 $163,500
    • Orleans County $123,850 $163,500
    • Rutland County $123,850 $163,500
    • Washington County $126,950 $167,600
    • Windham County $123,850 $163,500
    • Windsor County $126,150 $166,550
    • All other areas $119,850 $158,250
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  • Washington USDA Income Limits by County, City, and Town
    • Bellingham MSA $124,800 $164,750
    • Bremerton-Silverdale-Port Orchard MSA $142,950 $188,700
    • Kennewick-Richland MSA $124,800 $164,750
    • Longview-Kelso MSA $124,800 $164,750
    • Mount Vernon-Anacortes MSA $125,800 $166,100
    • Olympia-Lacey-Tumwater MSA $134,200 $177,150
    • Portland-Vancouver-Hillsboro MSA $142,750 $188,450
    • Seattle-Tacoma-Bellevue MSA $179,050 $236,350
    • Seattle-Bellevue HUD Metro FMR Area $179,050 $236,350
    • Tacoma HUD Metro FMR Area $138,950 $183,450
    • Spokane-Spokane Valley MSA $124,800 $164,750
    • Spokane HUD Metro FMR Area $124,800 $164,750
    • Stevens County HUD Metro FMR Area $124,800 $164,750
    • Walla Walla MSA $124,800 $164,750
    • Wenatchee-East Wenatchee MSA $124,800 $164,750
    • Yakima MSA $124,800 $164,750
    • Adams County $124,800 $164,750
    • Clallam County $124,800 $164,750
    • Columbia County $124,800 $164,750
    • Ferry County $124,800 $164,750
    • Garfield County $124,800 $164,750
    • Grant County $124,800 $164,750
    • Grays Harbor County $124,800 $164,750
    • Island County $128,100 $169,100
    • Jefferson County $124,800 $164,750
    • Kittitas County $124,800 $164,750
    • Klickitat County $124,800 $164,750
    • Lewis County $124,800 $164,750
    • Lincoln County $124,800 $164,750
    • Mason County $124,800 $164,750
    • Okanogan County $124,800 $164,750
    • Pacific County $124,800 $164,750
    • Pend Oreille County $124,800 $164,750
    • San Juan County $127,450 $168,250
    • Wahkiakum County $124,800 $164,750
    • Whitman County $124,800 $164,750
    • All other areas $119,850 $158,250
    • Back to Top
  • Wisconsin USDA Income Limits by County, City, and Town
    • Appleton MSA $128,250 $169,300
    • Duluth MSA $121,900 $160,950
    • Green Bay MSA $123,050 $162,450
    • Green Bay HUD Metro FMR Area $123,050 $162,450
    • Kenosha MSA $122,850 $162,200
    • La Crosse-Onalaska MSA $123,500 $163,050
    • La Crosse-Onalaska HUD Metro FMR Area $123,500 $163,050
    • Madison MSA $122,050 $161,150
    • Columbia County HUD Metro FMR Area $122,050 $161,150
    • Green County HUD Metro FMR Area $121,700 $160,650
    • Iowa County HUD Metro FMR Area $130,400 $172,150
    • Madison HUD Metro FMR Area $149,300 $197,100
    • Milwaukee-Waukesha MSA $127,300 $168,050
    • Minneapolis-St. Paul-Bloomington MSA $149,800 $197,750
    • Minneapolis-St. Paul-Bloomington HUD Metro FMR Area $149,800 $197,750
    • Jefferson County $126,050 $166,400
    • Walworth County $126,050 $166,400
    • All other areas $119,850 $158,250
    • Back to Top
  • West Virginia USDA Income Limits by County, City, and Town
    • Washington-Arlington-Alexandria MSA $146,750 $193,750
    • Jefferson County HUD Metro FMR Area $146,750 $193,750
    • Winchester MSA $130,100 $171,750
    • All other areas $119,850 $158,250
    • Back to Top
  • Wyoming USDA Income Limits by County, City, and Town
    • Campbell County $129,750 $171,300
    • Crook County $120,550 $159,150
    • Lincoln County $132,800 $175,350
    • Sheridan County $124,200 $163,950
    • Sublette County $129,800 $171,350
    • Sweetwater County $123,650 $163,250
    • Teton County $149,800 $197,750
    • All other areas $119,850 $158,250
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How USDA Income Limits Work

Income limits are a key eligibility factor for USDA loans. The program is intended to help rural homebuyers whose incomes fall within the low- to moderate range for their area.

As a result, the USDA caps household income based on county-level cost differences and updates those limits periodically to reflect inflation.

In 2026, the USDA income limits in most areas are:

  • $119,850 for 1 to 4-member households
  • $158,250 for 5 to 8-member households

Households With More Than 8 Members

For households larger than eight people, the USDA increases the income limit for each additional household member.

The increase is calculated as 8% of the area's 1-4 person income limit, and that amount is added to the 5-8 person income limit.

Example

Let's say your household has 9 members, and your area uses the standard 2026 income limits shown above.

Here's how the adjustment is calculated:

  1. Take 8% of the 1-4 person limit:
    8% of $119,850 = $9,588
  2. Add that amount to the 5-8 person limit:
    $158,250 + $9,588 = $167,838

In this example, the income limit for a 9-person household would be $167,838.

USDA Max Income Limits

USDA loans have no universal fixed maximum income limit. Instead, the limit differs depending on the area where you are looking to buy a home.

Higher income limits apply in areas with higher costs of living. For example, a homebuyer applying for a USDA loan in Yakima, Washington, cannot have a combined household income greater than $124,800 for a household size of 1-4 people or $164,750 for a household size of 5-8.

How USDA Income Limits are Calculated

When determining USDA income eligibility, lenders must include the income of all adult household members, even if they are not applying for the loan.

This requirement is unique to the USDA loan program. Most other mortgage loan types only consider the income of the borrower(s) listed on the application and do not impose household income limits.

Certain exclusions apply for senior household members and full-time students.

How Lenders Verify USDA Income Eligibility

  1. Find the Income Limit Where You're Buying

    Lenders will first check the income limit in the area for which you're applying. They will determine whether or not the area is eligible for USDA financing, and then they will check the income limit.

  2. Calculate Your Total Household Income

    The USDA looks at the total gross income for all adult household members, not just the loan applicants. This includes:

    • Wages, salaries, bonuses, overtime
    • Self-employment income
    • Child support and alimony
    • Social Security, disability, and retirement income
    • Rental income (if applicable)
    • Any other recurring income sources

    You can find your gross, or pre-tax, income by checking your pay stub or tax return. If your pay is hourly, you can calculate your annual income using the following formula:

    (Hourly Rate x Number of Hours per Week) x 52 = Total Annual Income

    Check out this article to learn about how USDA lenders calculate variable employment income.

  3. Apply Allowable Adjustments

    The USDA allows certain adjustments when determining a household's income. For income considerations, the USDA allows adjustments for full-time students and elderly household members.

    Full-Time Student Dependents

    If a full-time student is a dependent household member (meaning they are not directly applying for the loan and are the applicant's spouse), the USDA will only count $480 of their income and any amount above that is excluded.

    Elderly or Disabled Dependents

    Income from elderly or disabled household members is still included, but the USDA allows a $400 annual deduction from total household income.

    For example, suppose you and your spouse earn a combined $60,000 per year, and an elderly household member receives $24,000 per year in disability income. The USDA allows a $400 deduction for the elderly household member.

    In this case, your adjusted household income would be:

    $60,000 + $24,000 - $400 = $83,600

    The USDA may also allow deductions for:

    • Childcare expenses, if required for a household member to work
    • Medical expenses for elderly or disabled household members that exceed 3% of household income
    • Disability-related expenses, if the costs:
      • Allow the disabled individual or another household member to work
      • Are not reimbursed by insurance or other sources
      • Do not exceed the income earned by the person who is able to work because of the care provided

    Here are some other forms of income excluded from your household's income limit:

    • Earned income from a minor
    • Earned income tax credit
    • Lump-sum allowances from inheritances, capital gains, or life insurance policies
    • Housing assistance payments (commonly referred to as Section 8 Homeownership Program)
    • Earned income from caregivers, such as live-in nurses
    • Compensation received for providing foster child care

  4. Determine How Much You Can Afford

    After verifying your income and eligibility, USDA lenders review these additional financial factors to determine how much loan you can afford:

    • Debt-to-income ratio
    • Credit score
    • Assets and savings
    • Previous rental or mortgage payment history

    Estimate your USDA homebuying budget.

Do USDA Loans Have Loan Limits?

Unlike FHA and conventional loans, USDA loans do not have set loan limits.

Instead, the maximum loan amount a borrower can qualify for is based on their ability to repay the loan, which is determined by their income, debts, and the USDA's debt-to-income (DTI) guidelines.

In other words, if you meet the USDA eligibility requirements, you can likely borrow as much as a lender will give you.

Neighbors Bank is proud to be a Top 3 USDA Lender. We believe in making homebuying simple and accessible for families across the country. If you're considering a USDA loan, start your prequalification today to check your USDA eligibility and see how much home you can afford.

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