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2025 USDA Loan Income Limits

USDA loans are 0% down payment mortgage options 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 cannot make more than the local USDA income limit.

Find The USDA Income Limit For Your Area

    • Income Limits for: Most Locations
      Household of 1-4
      $112,450
      - or -
      Household of 5-8*
      $148,450
    • Get your USDA quote

For non-specific areas, the income limits are $112,450 for a 1-4 member household and $148,450 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 $124,050 $163,750
    • All other areas $112,450 $148,450
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  • Arkansas USDA Income Limits by County, City, and Town
    • All areas $112,450 $148,450
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  • Arizona USDA Income Limits by County, City, and Town
    • Flagstaff MSA $114,850 $151,650
    • Phoenix-Mesa-Scottsdale MSA $118,250 $156,100
    • All areas $112,450 $148,450
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  • California USDA Income Limits by County, City, and Town
    • Bakersfield MSA $114,550 $151,250
    • Chico MSA $114,550 $151,250
    • El Centro MSA $114,550 $151,250
    • Fresno MSA $114,550 $151,250
    • Hanford-Corcoran MSA $114,550 $151,250
    • Los Angeles-Long Beach-Anaheim MSA $163,800 $216,250
    • Los Angeles-Long Beach-Glendale HUD Metro FMR Area $163,800 $216,250
    • Santa Ana-Anaheim-Irvine HUD Metro FMR Area $186,500 $246,200
    • Madera MSA $114,550 $151,250
    • Merced MSA $114,550 $151,250
    • Modesto MSA $114,550 $151,250
    • Napa MSA $176,000 $232,350
    • Oxnard-Thousand Oaks-Ventura MSA $162,500 $214,500
    • Redding MSA $114,550 $151,250
    • Riverside-San Bernardino-Ontario MSA $117,900 $155,650
    • Sacramento-Roseville-Folsom MSA $135,550 $178,950
    • Sacramento--Roseville--Arden-Arcade HUD Metro FMR Area $135,550 $178,950
    • Yolo HUD Metro FMR Area $132,600 $175,050
    • Salinas MSA $193,000 $254,800
    • San Diego-Carlsbad MSA $176,800 $233,400
    • San Francisco-Oakland-Berkeley MSA $173,650 $229,250
    • Oakland-Fremont HUD Metro FMR Area $173,650 $229,250
    • San Francisco HUD Metro FMR Area $238,200 $314,450
    • San Jose-Sunnyvale-Santa Clara MSA $140,800 $185,800
    • San Benito County HUD Metro FMR Area $140,800 $185,800
    • San Jose-Sunnyvale-Santa Clara HUD Metro FMR Area $210,000 $277,200
    • San Luis Obispo-Paso Robles-Arroyo Grande MSA $146,500 $193,350
    • Santa Cruz-Watsonville MSA $242,700 $320,350
    • Santa Maria-Santa Barbara MSA $196,500 $259,400
    • Santa Rosa MSA $159,300 $210,300
    • Stockton-Lodi MSA $114,550 $151,250
    • Vallejo-Fairfield MSA $144,700 $191,000
    • Visalia-Porterville MSA $114,550 $151,250
    • Yuba City MSA $114,550 $151,250
    • Alpine County $121,550 $160,450
    • Amador County $115,950 $153,100
    • Calaveras County $114,550 $151,250
    • Colusa County $114,550 $151,250
    • Del Norte County $114,550 $151,250
    • Glenn County $114,550 $151,250
    • Humboldt County $114,550 $151,250
    • Inyo County $114,550 $151,250
    • Lake County $114,550 $151,250
    • Lassen County $114,550 $151,250
    • Mariposa County $114,550 $151,250
    • Mendocino County $114,550 $151,250
    • Modoc County $114,550 $151,250
    • Mono County $114,550 $151,250
    • Nevada County $119,800 $158,150
    • Plumas County $114,550 $151,250
    • Sierra County $114,550 $151,250
    • Siskiyou County $114,550 $151,250
    • Tehama County $114,550 $151,250
    • Trinity County $114,550 $151,250
    • Tuolumne County $114,550 $151,250
    • All other areas $112,450 $148,450
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  • Colorado USDA Income Limits by County, City, and Town
    • Boulder MSA $148,550 $196,100
    • Colorado Springs MSA $121,050 $159,800
    • Colorado Springs HUD Metro FMR Area $121,050 $159,800
    • Teller County HUD Metro FMR Area $121,050 $159,800
    • Denver-Aurora-Lakewood MSA $147,550 $194,800
    • Fort Collins MSA $136,650 $180,400
    • Grand Junction MSA $121,050 $159,800
    • Greeley MSA $131,700 $173,850
    • Pueblo MSA $121,050 $159,800
    • Alamosa County $121,050 $159,800
    • Archuleta County $121,050 $159,800
    • Baca County $121,050 $159,800
    • Bent County $121,050 $159,800
    • Chaffee County $121,050 $159,800
    • Cheyenne County $121,050 $159,800
    • Conejos County $121,050 $159,800
    • Costilla County $121,050 $159,800
    • Crowley County $121,050 $159,800
    • Custer County $121,050 $159,800
    • Delta County $121,050 $159,800
    • Dolores County $121,050 $159,800
    • Eagle County $149,650 $197,550
    • Fremont County $121,050 $159,800
    • Garfield County $121,050 $159,800
    • Grand County $121,050 $159,800
    • Gunnison County $121,050 $159,800
    • Hinsdale County $121,050 $159,800
    • Huerfano County $121,050 $159,800
    • Jackson County $121,050 $159,800
    • Kiowa County $121,050 $159,800
    • Kit Carson County $121,050 $159,800
    • La Plata County $127,100 $167,800
    • Lake County $121,050 $159,800
    • Las Animas County $121,050 $159,800
    • Lincoln County $121,050 $159,800
    • Logan County $121,050 $159,800
    • Mineral County $121,050 $159,800
    • Moffat County $121,050 $159,800
    • Montezuma County $121,050 $159,800
    • Montrose County $121,050 $159,800
    • Morgan County $121,050 $159,800
    • Otero County $121,050 $159,800
    • Ouray County $121,050 $159,800
    • Phillips County $121,050 $159,800
    • Pitkin County $140,600 $185,600
    • Prowers County $121,050 $159,800
    • Rio Blanco County $121,050 $159,800
    • Rio Grande County $121,050 $159,800
    • Routt County $137,000 $180,800
    • Saguache County $121,050 $159,800
    • San Juan County $121,050 $159,800
    • San Miguel County $126,050 $166,400
    • Sedgwick County $121,050 $159,800
    • Summit County $140,100 $184,950
    • Washington County $121,050 $159,800
    • Yuma County $121,050 $159,800
    • All other areas $112,450 $148,450
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  • Connecticut USDA Income Limits by County, City, and Town
    • Bridgeport-Stamford-Norwalk MSA $136,000 $179,550
    • Bridgeport HUD Metro FMR Area $136,000 $179,550
    • Danbury HUD Metro FMR Area $148,950 $196,650
    • Stamford-Norwalk HUD Metro FMR Area $176,150 $232,550
    • Hartford-East Hartford-Middletown MSA $140,100 $184,950
    • Hartford-West Hartford-East Hartford HUD Metro FMR Area $140,100 $184,950
    • Southern Middlesex County HUD Metro FMR Area $140,600 $185,600
    • New Haven-Milford MSA $140,600 $185,600
    • Milford-Ansonia-Seymour HUD Metro FMR Area $140,600 $185,600
    • New Haven-Meriden HUD Metro FMR Area $136,000 $179,550
    • Waterbury HUD Metro FMR Area $136,000 $179,550
    • Norwich-New London MSA $140,600 $185,600
    • Colchester-Lebanon HUD Metro FMR Area $140,600 $185,600
    • Norwich-New London HUD Metro FMR Area $136,000 $179,550
    • Worcester MSA $136,000 $179,550
    • Windham County HUD Metro FMR Area $136,000 $179,550
    • Litchfield County $136,000 $179,550
    • All other areas $112,450 $148,450
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  • District Of Columbia USDA Income Limits by County, City, and Town
    • Washington-Arlington-Alexandria M $140,600 $185,600
    • Washington-Arlington-Alexandria HUD Metro FMR Area $140,600 $185,600
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  • Delaware USDA Income Limits by County, City, and Town
    • Philadelphia-Camden-Wilmington MSA $131,900 $174,150
    • All other areas $112,450 $148,450
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  • Florida USDA Income Limits by County, City, and Town
    • Miami-Fort Lauderdale-Pompano Beach MSA $121,400 $160,250
    • Fort Lauderdale HUD Metro FMR Area $121,400 $160,250
    • Miami-Miami Beach-Kendall HUD Metro FMR Area $130,500 $172,250
    • West Palm Beach-Boca Raton HUD Metro FMR Area $123,100 $162,500
    • Naples-Immokalee-Marco Island MSA $119,950 $158,350
    • North Port-Sarasota-Bradenton MSA $115,600 $152,600
    • Monroe County $137,200 $181,150
    • All other areas $112,450 $148,450
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  • Georgia USDA Income Limits by County, City, and Town
    • Atlanta-Sandy Springs-Alpharetta MSA $123,650 $163,250
    • Atlanta-Sandy Springs-Roswell HUD Metro FMR Area $123,650 $163,250
    • Jackson County $112,850 $149,000
    • All other areas $112,450 $148,450
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  • Hawaii USDA Income Limits by County, City, and Town
    • Kahului-Wailuku-Lahaina MSA $143,400 $189,300
    • Urban Honolulu MSA $160,050 $211,300
    • Hawaii County $127,450 $168,250
    • Kauai County $158,300 $209,000
    • All other areas $112,450 $148,450
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  • Iowa USDA Income Limits by County, City, and Town
    • Ames MSA $134,550 $177,650
    • Ames HUD Metro FMR Area $134,550 $177,650
    • Boone County HUD Metro FMR Area $115,200 $152,100
    • Cedar Rapids MSA $116,750 $154,150
    • Benton County HUD Metro FMR Area $116,750 $154,150
    • Cedar Rapids HUD Metro FMR Area $115,600 $152,600
    • Des Moines-West Des Moines MSA $129,950 $171,550
    • Des Moines-West Des Moines HUD Metro FMR Area $129,950 $171,550
    • Dubuque MSA $117,100 $154,600
    • Iowa City MSA $132,700 $175,200
    • Iowa City HUD Metro FMR Area $132,700 $175,200
    • Omaha-Council Bluffs MSA $125,950 $166,300
    • Omaha-Council Bluffs HUD Metro FMR Area $125,950 $166,300
    • Waterloo-Cedar Falls MSA $120,600 $159,200
    • Bremer County HUD Metro FMR Area $120,600 $159,200
    • Cedar County $114,850 $151,650
    • Dickinson County $115,050 $151,900
    • Plymouth County $114,850 $151,650
    • Sioux County $116,850 $154,250
    • All other areas $112,450 $148,450
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  • Idaho USDA Income Limits by County, City, and Town
    • Boise City MSA $112,700 $148,800
    • Boise City HUD Metro FMR Area $112,700 $148,800
    • Teton County $114,300 $150,900
    • All other areas $112,450 $148,450
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  • Illinois USDA Income Limits by County, City, and Town
    • Bloomington MSA $126,850 $167,450
    • Champaign-Urbana MSA $122,100 $161,200
    • Chicago-Naperville-Elgin MSA $128,950 $170,250
    • Chicago-Joliet-Naperville HUD Metro FMR Area $128,950 $170,250
    • Grundy County HUD Metro FMR Area $130,650 $172,450
    • Kendall County HUD Metro FMR Area $139,500 $184,150
    • Springfield MSA $121,450 $160,350
    • St. Louis HUD Metro FMR Area $118,650 $156,650
    • Washington County $114,550 $151,250
    • All other areas $112,450 $148,450
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  • Indiana USDA Income Limits by County, City, and Town
    • Bloomington MSA $114,200 $150,750
    • Bloomington HUD Metro FMR Area $114,200 $150,750
    • Cincinnati MSA $120,550 $159,150
    • Cincinnati HUD Metro FMR Area $120,550 $159,150
    • Indianapolis-Carmel HUD Metro FMR Area $118,300 $156,200
    • All other areas $112,450 $148,450
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  • Kansas USDA Income Limits by County, City, and Town
    • Kansas City MSA $118,600 $156,600
    • Kansas City HUD Metro FMR Area $118,600 $156,600
    • Lawrence MSA $117,300 $154,850
    • Nemaha County $116,950 $154,400
    • All other areas $112,450 $148,450
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  • Kentucky USDA Income Limits by County, City, and Town
    • Cincinnati MSA $120,550 $159,150
    • Cincinnati HUD Metro FMR Area $120,550 $159,150
    • Shelby County HUD Metro FMR Area $115,600 $152,600
    • All other areas $112,450 $148,450
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  • Louisiana USDA Income Limits by County, City, and Town
    • All other areas $112,450 $148,450
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  • Massachusetts USDA Income Limits by County, City, and Town
    • Barnstable Town MSA $152,500 $201,300
    • Boston-Cambridge-Newton MSA $189,550 $250,250
    • Boston-Cambridge-Quincy HUD Metro FMR Area $189,550 $250,250
    • 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 $159,500 $210,550
    • Easton-Raynham HUD Metro FMR Area $159,500 $210,550
    • New Bedford HUD Metro FMR Area $152,500 $201,300
    • Providence-Fall River HUD Metro FMR Area $129,250 $170,650
    • Taunton-Mansfield-Norton HUD Metro FMR Area $152,500 $201,300
    • Springfield MSA $152,500 $201,300
    • Franklin County HUD Metro FMR Area $152,500 $201,300
    • Springfield HUD Metro FMR Area $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
    • Nantucket County $175,500 $231,700
    • All other areas $112,450 $148,450
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  • Maryland USDA Income Limits by County, City, and Town
    • Baltimore-Columbia-Towson MSA $140,500 $185,500
    • California-Lexington Park MSA $140,600 $185,600
    • Cumberland MSA $122,050 $161,100
    • Hagerstown-Martinsburg MSA $122,050 $161,100
    • Hagerstown HUD Metro FMR Area $122,050 $161,100
    • Philadelphia-Camden-Wilmington MSA $131,900 $174,150
    • Salisbury MSA $122,050 $161,100
    • Salisbury HUD Metro FMR Area $122,050 $161,100
    • Somerset County HUD Metro FMR Area $122,050 $161,100
    • Worcester County HUD Metro FMR Area $122,050 $161,100
    • Washington-Arlington-Alexandria M $140,600 $185,600
    • Washington-Arlington-Alexandria HUD Metro FMR Area $140,600 $185,600
    • Caroline County $122,050 $161,100
    • Dorchester County $122,050 $161,100
    • Garrett County $122,050 $161,100
    • Kent County $122,050 $161,100
    • Talbot County $122,500 $161,700
    • All other areas $112,450 $148,450
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  • Maine USDA Income Limits by County, City, and Town
    • Portland-South Portland MSA $117,450 $155,050
    • Cumberland County (part) HUD Metro FMR Area $117,450 $155,050
    • Portland HUD Metro FMR Area $140,600 $185,600
    • York County (part) HUD Metro FMR Area $112,550 $148,600
    • York-Kittery-South Berwick HUD Metro FMR Area $140,600 $185,600
    • All other areas $112,450 $148,450
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  • Michigan USDA Income Limits by County, City, and Town
    • Ann Arbor MSA $140,600 $185,600
    • Livingston County HUD Metro FMR Area $140,600 $185,600
    • Grand Rapids-Kentwood MSA $115,800 $152,900
    • Grand Rapids-Wyoming HUD Metro FMR Area $115,800 $152,900
    • Holland-Grand Haven HUD Metro FMR Area $118,250 $156,100
    • Kalamazoo-Portage MSA $115,950 $153,100
    • Midland MSA $114,450 $151,100
    • Grand Traverse County $113,650 $150,050
    • Leelanau County $118,100 $155,900
    • All other areas $112,450 $148,450
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  • Minnesota USDA Income Limits by County, City, and Town
    • Duluth MSA $117,000 $154,450
    • Duluth HUD Metro FMR Area $117,000 $154,450
    • Lake County HUD Metro FMR Area $117,000 $154,450
    • Fargo MSA $122,600 $161,850
    • Grand Forks MSA $122,600 $161,850
    • La Crosse-Onalaska MSA $114,150 $150,700
    • Mankato-North Mankato MSA $117,000 $154,450
    • Minneapolis-St. Paul-Bloomington MSA $125,950 $166,300
    • Le Sueur County HUD Metro FMR Area $125,950 $166,300
    • Mille Lacs County HUD Metro FMR Area $117,000 $154,450
    • Minneapolis-St. Paul-Bloomington HUD Metro FMR Area $140,600 $185,600
    • Rochester MSA $117,000 $154,450
    • Fillmore County HUD Metro FMR Area $117,000 $154,450
    • Rochester HUD Metro FMR Area $135,700 $179,150
    • Wabasha County HUD Metro FMR Area $117,000 $154,450
    • St. Cloud MSA $117,000 $154,450
    • Aitkin County $117,000 $154,450
    • Becker County $117,000 $154,450
    • Beltrami County $117,000 $154,450
    • Big Stone County $117,000 $154,450
    • Brown County $117,000 $154,450
    • Cass County $117,000 $154,450
    • Chippewa County $117,000 $154,450
    • Clearwater County $117,000 $154,450
    • Cook County $117,000 $154,450
    • Cottonwood County $117,000 $154,450
    • Crow Wing County $117,000 $154,450
    • Douglas County $117,000 $154,450
    • Faribault County $117,000 $154,450
    • Freeborn County $117,000 $154,450
    • Goodhue County $122,700 $162,000
    • Grant County $117,000 $154,450
    • Hubbard County $117,000 $154,450
    • Itasca County $117,000 $154,450
    • Jackson County $117,000 $154,450
    • Kanabec County $117,000 $154,450
    • Kandiyohi County $117,000 $154,450
    • Kittson County $117,000 $154,450
    • Koochiching County $117,000 $154,450
    • Lac qui Parle County $117,000 $154,450
    • Lake of the Woods County $117,000 $154,450
    • Lincoln County $117,000 $154,450
    • Lyon County $117,000 $154,450
    • Mahnomen County $117,000 $154,450
    • Marshall County $117,000 $154,450
    • Martin County $117,000 $154,450
    • McLeod County $117,900 $155,650
    • Meeker County $117,000 $154,450
    • Morrison County $117,000 $154,450
    • Mower County $117,000 $154,450
    • Murray County $117,000 $154,450
    • Nobles County $117,000 $154,450
    • Norman County $117,000 $154,450
    • Otter Tail County $117,000 $154,450
    • Pennington County $117,000 $154,450
    • Pine County $117,000 $154,450
    • Pipestone County $117,000 $154,450
    • Pope County $117,000 $154,450
    • Red Lake County $117,000 $154,450
    • Redwood County $117,000 $154,450
    • Renville County $117,000 $154,450
    • Rice County $117,000 $154,450
    • Rock County $117,000 $154,450
    • Roseau County $117,000 $154,450
    • Sibley County $117,000 $154,450
    • Steele County $121,400 $160,250
    • Stevens County $117,000 $154,450
    • Swift County $117,000 $154,450
    • Todd County $117,000 $154,450
    • Traverse County $117,000 $154,450
    • Wadena County $117,000 $154,450
    • Waseca County $117,000 $154,450
    • Watonwan County $117,000 $154,450
    • Wilkin County $117,000 $154,450
    • Winona County $117,000 $154,450
    • Yellow Medicine County $117,000 $154,450
    • All other areas $112,450 $148,450
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  • Missouri USDA Income Limits by County, City, and Town
    • Columbia MSA $117,900 $155,650
    • Columbia HUD Metro FMR Area $117,900 $155,650
    • Kansas City HUD Metro FMR Area $118,600 $156,600
    • St. Louis MSA $118,650 $156,650
    • St. Louis HUD Metro FMR Area $118,650 $156,650
    • All other areas $112,450 $148,450
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  • Mississippi USDA Income Limits by County, City, and Town
    • All areas $112,450 $148,450
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  • Montana USDA Income Limits by County, City, and Town
    • Billings MSA $113,300 $149,600
    • Billings HUD Metro FMR Area $113,300 $149,600
    • Stillwater County HUD Metro FMR Area $116,300 $153,550
    • Fallon County $121,100 $159,900
    • Gallatin County $125,350 $165,500
    • Lewis and Clark County $119,750 $158,100
    • All other areas $112,450 $148,450
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  • North Carolina USDA Income Limits by County, City, and Town
    • Charlotte-Concord-Gastonia HUD Metro FMR Area $121,900 $160,950
    • Durham-Chapel Hill MSA $121,750 $160,750
    • Durham-Chapel Hill HUD Metro FMR Area $121,750 $160,750
    • Raleigh MSA $140,600 $185,600
    • Virginia Beach-Norfolk-Newport News HUD Metro FMR Are $115,800 $152,900
    • Wilmington HUD Metro FMR Area $114,050 $150,550
    • Moore County $114,450 $151,100
    • All other areas $112,450 $148,450
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  • North Dakota USDA Income Limits by County, City, and Town
    • Bismarck MSA $124,900 $164,900
    • Fargo MSA $121,750 $160,750
    • Grand Forks MSA $119,950 $158,350
    • Adams County $120,950 $159,700
    • Barnes County $118,150 $156,000
    • Benson County $118,150 $156,000
    • Billings County $133,550 $176,300
    • Bottineau County $123,850 $163,500
    • Bowman County $119,750 $158,100
    • Burke County $136,150 $179,750
    • Cavalier County $118,150 $156,000
    • Dickey County $118,150 $156,000
    • Divide County $126,300 $166,750
    • Dunn County $140,600 $185,600
    • Eddy County $118,150 $156,000
    • Emmons County $118,150 $156,000
    • Foster County $128,250 $169,300
    • Golden Valley County $120,600 $159,200
    • Grant County $118,150 $156,000
    • Griggs County $118,150 $156,000
    • Hettinger County $118,150 $156,000
    • Kidder County $118,150 $156,000
    • LaMoure County $118,150 $156,000
    • Logan County $118,150 $156,000
    • McHenry County $118,150 $156,000
    • McIntosh County $118,150 $156,000
    • McKenzie County $124,550 $164,450
    • McLean County $118,150 $156,000
    • Mercer County $129,400 $170,850
    • Mountrail County $118,250 $156,100
    • Nelson County $118,150 $156,000
    • Pembina County $118,150 $156,000
    • Pierce County $119,250 $157,450
    • Ramsey County $118,150 $156,000
    • Ransom County $118,150 $156,000
    • Renville County $118,150 $156,000
    • Richland County $120,050 $158,500
    • Rolette County $118,150 $156,000
    • Sargent County $118,150 $156,000
    • Sheridan County $118,150 $156,000
    • Sioux County $118,150 $156,000
    • Slope County $118,150 $156,000
    • Stark County $126,050 $166,400
    • Steele County $128,450 $169,600
    • Stutsman County $118,150 $156,000
    • Towner County $118,150 $156,000
    • Traill County $129,400 $170,800
    • Walsh County $118,150 $156,000
    • Ward County $120,950 $159,700
    • Wells County $118,150 $156,000
    • Williams County $128,650 $169,850
    • All other areas $112,450 $148,450
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  • Nebraska USDA Income Limits by County, City, and Town
    • Lincoln MSA $117,450 $155,050
    • Lincoln HUD Metro FMR Area $117,450 $155,050
    • Seward County HUD Metro FMR Area $124,050 $163,750
    • Omaha-Council Bluffs MSA $125,950 $166,300
    • Omaha-Council Bluffs HUD Metro FMR Area $125,950 $166,300
    • Saunders County HUD Metro FMR Area $124,550 $164,450
    • Buffalo County $114,050 $150,550
    • Fillmore County $114,050 $150,550
    • Otoe County $112,550 $148,600
    • All other areas $112,450 $148,450
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  • New Hampshire USDA Income Limits by County, City, and Town
    • Boston-Cambridge-Newton MSA $189,550 $250,250
    • Boston-Cambridge-Quincy HUD Metro FMR Area $189,550 $250,250
    • Lawrence HUD Metro FMR Area $148,050 $195,450
    • Portsmouth-Rochester HUD Metro FMR Area $140,600 $185,600
    • Western Rockingham County HUD Metro FMR Area $140,600 $185,600
    • Manchester-Nashua MSA $133,250 $175,900
    • Hillsborough County (part) HUD Metro FMR Area $133,250 $175,900
    • Manchester HUD Metro FMR Area $131,550 $173,650
    • Nashua HUD Metro FMR Area $140,600 $185,600
    • Belknap County $131,100 $173,050
    • Carroll County $131,100 $173,050
    • Cheshire County $131,100 $173,050
    • Coos County $131,100 $173,050
    • Grafton County $131,100 $173,050
    • Merrimack County $132,400 $174,800
    • Sullivan County $131,100 $173,050
    • All other areas $112,450 $148,450
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  • New Jersey USDA Income Limits by County, City, and Town
    • Allentown-Bethlehem-Easton MSA $133,600 $176,400
    • Warren County HUD Metro FMR Area $133,600 $176,400
    • Atlantic City-Hammonton MSA $116,600 $153,950
    • New York-Newark-Jersey City MSA $140,600 $185,600
    • Bergen-Passaic HUD Metro FMR Area $140,600 $185,600
    • Jersey City HUD Metro FMR Area $153,900 $203,150
    • Middlesex-Somerset-Hunterdon HUD Metro FMR Area $152,100 $200,800
    • Monmouth-Ocean HUD Metro FMR Area $140,600 $185,600
    • Newark HUD Metro FMR Area $140,600 $185,600
    • Ocean City MSA $127,100 $167,800
    • Philadelphia-Camden-Wilmington MSA $131,900 $174,150
    • Trenton MSA $140,600 $185,600
    • Vineland-Bridgeton MSA $116,600 $153,950
    • All other areas $112,450 $148,450
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  • New Mexico USDA Income Limits by County, City, and Town
    • Los Alamos County $140,600 $185,600
    • All other areas $112,450 $148,450
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  • Nevada USDA Income Limits by County, City, and Town
    • Reno MSA $116,350 $153,600
    • Douglas County $115,800 $152,900
    • Elko County $122,700 $162,000
    • Eureka County $125,550 $165,750
    • Lander County $129,150 $170,500
    • All other areas $112,450 $148,450
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  • New York USDA Income Limits by County, City, and Town
    • Albany-Schenectady-Troy MSA $135,500 $178,900
    • Ithaca MSA $126,700 $167,250
    • Kingston MSA $128,450 $169,600
    • New York-Newark-Jersey City MSA $168,100 $221,900
    • Nassau-Suffolk HUD Metro FMR Area $168,100 $221,900
    • New York HUD Metro FMR Area $180,700 $238,550
    • Rockland HUD Income Limit Area $180,700 $238,550
    • Westchester County Statutory Exception Area $152,100 $200,800
    • Poughkeepsie-Newburgh-Middletown MSA $136,850 $180,650
    • Columbia County $118,650 $156,650
    • All other areas $112,450 $148,450
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  • Ohio USDA Income Limits by County, City, and Town
    • Cincinnati HUD Metro FMR Area $120,550 $159,150
    • Columbus MSA $118,800 $156,850
    • Columbus HUD Metro FMR Area $118,800 $156,850
    • Union County HUD Metro FMR Area $140,600 $185,600
    • Auglaize County $114,200 $150,750
    • Putnam County $118,450 $156,400
    • All other areas $112,450 $148,450
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  • Oklahoma USDA Income Limits by County, City, and Town
    • All other areas $112,450 $148,450
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  • Oregon USDA Income Limits by County, City, and Town
    • Bend-Redmond MSA $120,400 $158,950
    • Corvallis MSA $124,150 $163,950
    • Portland-Vancouver-Hillsboro MSA $135,700 $179,150
    • Hood River County $112,550 $148,600
    • All other areas $112,450 $148,450
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  • Pennsylvania USDA Income Limits by County, City, and Town
    • Allentown-Bethlehem-Easton MSA $113,050 $149,250
    • Allentown-Bethlehem-Easton HUD Metro FMR Area $113,050 $149,250
    • East Stroudsburg MSA $114,550 $151,250
    • Harrisburg-Carlisle MSA $114,800 $151,550
    • Lancaster MSA $120,750 $159,400
    • Philadelphia-Camden-Wilmington MSA $131,900 $174,150
    • Pittsburgh HUD Metro FMR Area $116,350 $153,600
    • State College MSA $124,400 $164,250
    • York-Hanover MSA $120,900 $159,600
    • All other areas $112,450 $148,450
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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 $129,250 $170,650
    • Westerly-Hopkinton-New Shoreham HUD Metro FMR Area $135,500 $178,900
    • All other areas $112,450 $148,450
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  • South Carolina USDA Income Limits by County, City, and Town
    • Charleston-North Charleston MSA $120,900 $159,600
    • Charlotte-Concord-Gastonia MSA $121,900 $160,950
    • Charlotte-Concord-Gastonia HUD Metro FMR Area $121,900 $160,950
    • Hilton Head Island-Bluffton MSA $116,000 $153,150
    • Beaufort County HUD Metro FMR Area $116,000 $153,150
    • All other areas $112,450 $148,450
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  • South Dakota USDA Income Limits by County, City, and Town
    • Sioux Falls MSA $121,400 $160,250
    • Brookings County $122,500 $161,700
    • Brown County $117,900 $155,650
    • Hanson County $113,500 $149,850
    • Hughes County $116,150 $153,350
    • Stanley County $119,600 $157,900
    • All other areas $112,450 $148,450
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  • Tennessee USDA Income Limits by County, City, and Town
    • Nashville-Davidson--Murfreesboro--Franklin HUD Metro FMR $122,900 $162,250
    • All other areas $112,450 $148,450
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  • Texas USDA Income Limits by County, City, and Town
    • Austin-Round Rock MSA $140,600 $185,600
    • Dallas-Fort Worth-Arlington MSA $126,850 $167,450
    • Dallas HUD Metro FMR Area $126,850 $167,450
    • Fort Worth-Arlington HUD Metro FMR Area $117,150 $154,650
    • Brazoria County HUD Metro FMR Area $128,100 $169,100
    • Midland HUD Metro FMR Area $122,500 $161,700
    • Kendall County HUD Metro FMR Area $140,600 $185,600
    • Andrews County $114,550 $151,250
    • Borden County $124,200 $163,950
    • Glasscock County $116,500 $153,800
    • Loving County $119,050 $157,150
    • All other areas $112,450 $148,450
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  • Utah USDA Income Limits by County, City, and Town
    • Logan MSA $115,000 $151,800
    • Ogden-Clearfield MSA $115,000 $151,800
    • Box Elder County HUD Metro FMR Area $115,000 $151,800
    • Ogden-Clearfield HUD Metro FMR Area $126,950 $167,600
    • Provo-Orem MSA $125,350 $165,500
    • Salt Lake City MSA $132,850 $175,400
    • Salt Lake City HUD Metro FMR Area $132,850 $175,400
    • Tooele County HUD Metro FMR Area $124,150 $163,950
    • St. George MSA $115,000 $151,800
    • Beaver County $115,000 $151,800
    • Carbon County $115,000 $151,800
    • Daggett County $122,900 $162,250
    • Duchesne County $115,000 $151,800
    • Emery County $115,000 $151,800
    • Garfield County $115,000 $151,800
    • Grand County $115,000 $151,800
    • Iron County $115,000 $151,800
    • Kane County $115,000 $151,800
    • Millard County $115,000 $151,800
    • Piute County $115,000 $151,800
    • Rich County $115,000 $151,800
    • San Juan County $115,000 $151,800
    • Sanpete County $115,000 $151,800
    • Sevier County $115,000 $151,800
    • Summit County $140,600 $185,600
    • Uintah County $115,000 $151,800
    • Wasatch County $138,950 $183,450
    • Wayne County $115,000 $151,800
    • All other areas $112,450 $148,450
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  • Virginia USDA Income Limits by County, City, and Town
    • Blacksburg-Christiansburg MSA $115,450 $152,400
    • Blacksburg-Christiansburg-Radford HUD Metro FMR Area $115,450 $152,400
    • Charlottesville MSA $140,350 $185,300
    • Richmond MSA $126,850 $167,450
    • Virginia Beach-Norfolk-Newport News HUD Metro FMR Are $115,800 $152,900
    • Washington-Arlington-Alexandria M $126,950 $167,600
    • Culpeper County HUD Metro FMR Area $126,950 $167,600
    • Rappahannock County HUD Metro FMR Area $124,350 $164,150
    • Warren County HUD Metro FMR Area $112,900 $149,050
    • Washington-Arlington-Alexandria HUD Metro FMR Area $140,600 $185,600
    • Winchester MSA $121,750 $160,750
    • Caroline County $114,550 $151,250
    • King George County $140,600 $185,600
    • Orange County $122,700 $161,950
    • All other areas $112,450 $148,450
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  • Vermont USDA Income Limits by County, City, and Town
    • Burlington-South Burlington MSA $136,700 $180,450
    • Addison County $125,350 $165,500
    • Bennington County $114,650 $151,350
    • Caledonia County $113,400 $149,700
    • Essex County $113,400 $149,700
    • Lamoille County $113,400 $149,700
    • Orange County $113,400 $149,700
    • Orleans County $113,400 $149,700
    • Rutland County $113,400 $149,700
    • Washington County $121,200 $160,000
    • Windham County $113,400 $149,700
    • Windsor County $115,600 $152,600
    • All other areas $112,450 $148,450
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  • Washington USDA Income Limits by County, City, and Town
    • Bellingham MSA $121,400 $160,250
    • Bremerton-Silverdale MSA $137,650 $181,700
    • Kennewick-Richland MSA $118,450 $156,400
    • Lewiston MSA $112,700 $148,750
    • Longview MSA $118,450 $156,400
    • Mount Vernon-Anacortes MSA $118,450 $156,400
    • Olympia-Tumwater MSA $129,600 $171,100
    • Portland-Vancouver-Hillsboro MSA $135,700 $179,150
    • Seattle-Tacoma-Bellevue MSA $177,300 $234,050
    • Seattle-Bellevue HUD Metro FMR Area $177,300 $234,050
    • Tacoma HUD Metro FMR Area $133,200 $175,850
    • Spokane-Spokane Valley MSA $118,450 $156,400
    • Spokane HUD Metro FMR Area $118,450 $156,400
    • Stevens County HUD Metro FMR Area $118,450 $156,400
    • Walla Walla MSA $118,450 $156,400
    • Wenatchee MSA $118,450 $156,400
    • Yakima MSA $118,450 $156,400
    • Adams County $118,450 $156,400
    • Clallam County $118,450 $156,400
    • Columbia County $118,450 $156,400
    • Ferry County $118,450 $156,400
    • Garfield County $118,450 $156,400
    • Grant County $118,450 $156,400
    • Grays Harbor County $118,450 $156,400
    • Island County $118,450 $156,400
    • Jefferson County $118,450 $156,400
    • Kittitas County $118,450 $156,400
    • Klickitat County $118,450 $156,400
    • Lewis County $118,450 $156,400
    • Lincoln County $118,450 $156,400
    • Mason County $118,450 $156,400
    • Okanogan County $118,450 $156,400
    • Pacific County $118,450 $156,400
    • Pend Oreille County $118,450 $156,400
    • San Juan County $118,450 $156,400
    • Wahkiakum County $118,450 $156,400
    • Whitman County $118,450 $156,400
    • All other areas $112,450 $148,450
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  • Wisconsin USDA Income Limits by County, City, and Town
    • Appleton MSA $119,600 $157,900
    • Chicago-Naperville-Elgin MSA $112,500 $148,500
    • Kenosha County HUD Metro FMR Area $112,500 $148,500
    • Eau Claire MSA $114,300 $150,900
    • Green Bay MSA $112,700 $148,800
    • Green Bay HUD Metro FMR Area $112,700 $148,800
    • La Crosse-Onalaska MSA $113,150 $149,400
    • Madison MSA $114,550 $151,250
    • Columbia County HUD Metro FMR Area $114,550 $151,250
    • Green County HUD Metro FMR Area $112,700 $148,800
    • Iowa County HUD Metro FMR Area $121,100 $159,900
    • Madison HUD Metro FMR Area $140,600 $185,600
    • Milwaukee-Waukesha-West Allis MSA $117,450 $155,050
    • Minneapolis-St. Paul-Bloomington MSA $140,600 $185,600
    • Minneapolis-St. Paul-Bloomington HUD Metro FMR Area $140,600 $185,600
    • Oshkosh-Neenah MSA $113,850 $150,300
    • Jefferson County $115,450 $152,400
    • Portage County $114,000 $150,500
    • Walworth County $116,350 $153,600
    • All other areas $112,450 $148,450
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  • West Virginia USDA Income Limits by County, City, and Town
    • Washington-Arlington-Alexandria M $139,000 $183,500
    • Jefferson County HUD Metro FMR Area $139,000 $183,500
    • Winchester MSA $121,750 $160,750
    • All other areas $112,450 $148,450
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  • Wyoming USDA Income Limits by County, City, and Town
    • Campbell County $124,200 $163,950
    • Converse County $113,650 $150,050
    • Lincoln County $121,600 $160,550
    • Sheridan County $121,400 $160,250
    • Sublette County $118,900 $156,950
    • Sweetwater County $118,900 $156,950
    • Teton County $140,600 $185,600
    • All other areas $112,450 $148,450
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How USDA Income Limits Work

Income limits are a key eligibility factor for USDA loans. The loan program promotes housing for rural homebuyers with low to medium incomes. To achieve this, the USDA limits how much money your household can make. This limit varies depending on the county you’re buying in to account for more expensive areas. The USDA also typically increases these limits every year to account for inflation.

in 2025, the USDA income limits in most areas are:

  • $112,450 for 1 to 4-member households
  • $148,450 for 5 to 8-member households

Higher income limits apply in areas with higher costs of living. For example, a homebuyer applying for a USDA loan in Santa Rosa, California could not have a combined total household income greater than $151,000 in a household of 1-4 or $199,300 in a household of 5-8.

For home sizes with 8+ members, the allowable income limit increases by 8% of the 4-person income limit in that area for each additional member.

For example, if the 4-person income limit for a certain area is $112,450 per year, and a household has nine members:

  • The income limit increases by 8% of $148,450, which is $8,996.
  • $148,450 +$8,996 = $157,446

USDA Max Income Limits

USDA loans have no universal fixed maximum income limit. However, to account for local variances in affordability, the limit depends on where you live. For example, the 1 to 4-person limit in Fort Worth, TX, is $117,150 in 2025 compared to the $135,550 in Elk Grove, California.

How USDA Income Limits are Calculated

When considering a borrower’s USDA income limit eligibility, lenders must consider income from each adult earner in the household, regardless of whether they’re applying for the loan.

Exclusions exist to account for senior household members and full-time students; otherwise, anyone 18 or older who is planning to occupy the new home will have their income considered when calculating the household income limit.

To check your USDA income limit eligibility, follow the steps below or get started here.

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. Here’s how it works:

    If a full-time student is a dependent household member (meaning they are not directly applying for the loan or are the applicant's spouse), then the USDA will allow a cap on their income of $480. Only $480 of their gross annual income will be counted and then $480 is applied as a deduction. For elderly or disabled household dependents, their income will still be considered, however, only $400 of their gross annual income will be considered and applied as a deduction.

    For example, say you and your spouse make a combined $60,000 a year, and you have one elderly household member who makes $2,000 a month in disability (or $24,000 yearly). The USDA will deduct $400 of their income as a deduction and count the rest. So $60,000 - $400 = $83,600.

    The USDA also allows deductions for:

    • Childcare costs (if necessary for employment)
    • Medical expenses (if for elderly or disabled and exceed 3% of household income)
    • Disability expenses (if the expenses 1. Allow the disabled individual or another household member to work; 2. Are nonreimbursable by insurance or other sources; and 3. Do not exceed the income earned by the person who is working due to 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

    The household is eligible if the adjusted income falls below the USDA limit for the area.

  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 now.

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 one of the Top Five USDA Lenders in the United States. 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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