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USDA Loan Income Limits and Eligibility in 2022


The USDA home loan program provides an affordable, zero-down home financing option for low to moderate-income families across all 50 states. The USDA sets standard income limits to ensure these home loans are readily available to the families they serve.

To be eligible for a USDA home loan, your total household income cannot exceed the local USDA income limits. The current standard USDA loan income limit for 1-4 member households is $103,500, up from $91,900 in 2021. The 2022 limit for 5-8 member households is $136,600, up from $121,300. USDA loan limits by county may be higher to account for cost of living.

For non-specific areas, the income limits are $103,500 for a 1-4 member household and $136,600 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 $121,950 $160,950
    • All properties without road access $189,050 $249,550
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  • Alabama USDA Income Limits by County, City, and Town
    • Huntsville MSA $106,600 $140,700
    • All other areas $103,500 $136,600
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  • Arkansas USDA Income Limits by County, City, and Town
    • All areas $103,500 $136,600
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  • Arizona USDA Income Limits by County, City, and Town
    • All areas $103,500 $136,600
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  • California USDA Income Limits by County, City, and Town
    • Bakersfield MSA $104,650 $138,150
    • Chico MSA $104,650 $138,150
    • El Centro MSA $104,650 $138,150
    • Fresno MSA $104,650 $138,150
    • Hanford-Corcoran MSA $104,650 $138,150
    • Los Angeles-Long Beach-Anaheim,MSA, Los Angeles-Long Beach-Glendale,HUD Metro FMR Area $138,000 $182,150
    • Santa Ana-Anaheim-Irvine HUD Metro FMR Area $156,250 $206,250
    • Madera MSA $104,650 $138,150
    • Merced MSA $104,650 $138,150
    • Modesto MSA $104,650 $138,150
    • Napa MSA $145,050 $191,450
    • Oxnard-Thousand Oaks-Ventura MSA $148,700 $196,300
    • Redding MSA $104,650 $138,150
    • Riverside-San Bernardino-Ontario MSA $104,650 $138,150
    • Sacramento-Roseville-Folsom,MSA, Sacramento--Roseville--Arden-Arcade,HUD Metro FMR Area $116,500 $153,800
    • Yolo HUD Metro FMR Area $114,000 $150,500
    • Salinas MSA $131,800 $174,000
    • San Diego-Carlsbad MSA $149,650 $197,550
    • San Francisco-Oakland-Berkeley,MSA, Oakland-Fremont,HUD Metro FMR Area $159,700 $210,800
    • San Francisco HUD Metro FMR Area $238,200 $314,400
    • San Jose-Sunnyvale-Santa Clara,MSA, San Benito County,HUD Metro FMR Area $120,900 $159,600
    • San Jose-Sunnyvale-Santa Clara HUD Metro FMR Area $204,500 $269,950
    • San Luis Obispo-Paso Robles-Arroyo Grande MSA $125,800 $166,050
    • Santa Cruz-Watsonville MSA $210,300 $277,600
    • Santa Maria-Santa Barbara MSA $168,600 $222,550
    • Santa Rosa MSA $136,650 $180,400
    • Stockton-Lodi MSA $104,650 $138,150
    • Vallejo-Fairfield MSA $124,900 $164,850
    • Visalia-Porterville MSA $104,650 $138,150
    • Yuba City MSA $104,650 $138,150
    • Alpine County $104,650 $138,150
    • Amador County $104,650 $138,150
    • Calaveras County $104,650 $138,150
    • Colusa County $104,650 $138,150
    • Del Norte County $104,650 $138,150
    • Glenn County $104,650 $138,150
    • Humboldt County $104,650 $138,150
    • Inyo County $104,650 $138,150
    • Lake County $104,650 $138,150
    • Lassen County $104,650 $138,150
    • Mariposa County $104,650 $138,150
    • Mendocino County $104,650 $138,150
    • Modoc County $104,650 $138,150
    • Mono County $104,650 $138,150
    • Nevada County $113,150 $149,350
    • Plumas County $104,650 $138,150
    • Sierra County $104,650 $138,150
    • Siskiyou County $104,650 $138,150
    • Tehama County $104,650 $138,150
    • Trinity County $104,650 $138,150
    • Tuolumne County $104,650 $138,150
    • All other areas $103,500 $136,600
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  • Colorado USDA Income Limits by County, City, and Town
    • Boulder MSA $129,400 $170,800
    • Colorado Springs,MSA, Colorado Springs,HUD Metro FMR Area $108,250 $142,900
    • Teller County,HUD Metro FMR Area $108,250 $142,900
    • Denver-Aurora-Lakewood MSA $129,400 $170,800
    • Fort Collins MSA $123,400 $162,900
    • Grand Junction MSA $108,250 $142,900
    • Greeley MSA $113,850 $150,300
    • Pueblo MSA $108,250 $142,900
    • Alamosa County $108,250 $142,900
    • Archuleta County $108,250 $142,900
    • Baca County $108,250 $142,900
    • Bent County $108,250 $142,900
    • Chaffee County $108,250 $142,900
    • Cheyenne County $108,250 $142,900
    • Conejos County $108,250 $142,900
    • Costilla County $108,250 $142,900
    • Crowley County $108,250 $142,900
    • Custer County $108,250 $142,900
    • Delta County $108,250 $142,900
    • Dolores County $108,250 $142,900
    • Eagle County $128,600 $169,750
    • Fremont County $108,250 $142,900
    • Garfield County $108,300 $142,950
    • Grand County $108,250 $142,900
    • Gunnison County $108,250 $142,900
    • Hinsdale County $108,250 $142,900
    • Huerfano County $108,250 $142,900
    • Jackson County $108,250 $142,900
    • Kiowa County $108,250 $142,900
    • Kit Carson County $108,250 $142,900
    • La Plata County $112,850 $148,950
    • Lake County $108,250 $142,900
    • Las Animas County $108,250 $142,900
    • Lincoln County $108,250 $142,900
    • Logan County $108,250 $142,900
    • Mineral County $108,250 $142,900
    • Moffat County $108,250 $142,900
    • Montezuma County $108,250 $142,900
    • Montrose County $108,250 $142,900
    • Morgan County $108,250 $142,900
    • Otero County $108,250 $142,900
    • Ouray County $108,250 $142,900
    • Phillips County $108,250 $142,900
    • Pitkin County $127,100 $167,750
    • Prowers County $108,250 $142,900
    • Rio Blanco County $108,250 $142,900
    • Rio Grande County $108,250 $142,900
    • Routt County $117,650 $155,300
    • Saguache County $108,250 $142,900
    • San Juan County $108,250 $142,900
    • San Miguel County $109,950 $145,150
    • Sedgwick County $108,250 $142,900
    • Summit County $120,400 $158,950
    • Washington County $108,250 $142,900
    • Yuma County $108,250 $142,900
    • All other areas $103,500 $136,600
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  • Connecticut USDA Income Limits by County, City, and Town
    • Bridgeport-Stamford-Norwalk,MSA, Bridgeport,HUD Metro FMR Area $129,500 $170,950
    • Danbury HUD Metro FMR Area $129,500 $170,950
    • Stamford-Norwalk HUD Metro FMR Area $149,500 $197,350
    • Hartford-East Hartford-Middletown,MSA, Hartford-West Hartford-East Hartford,HUD Metro FMR Area $129,500 $170,950
    • Southern Middlesex County,HUD Metro FMR Area $129,500 $170,950
    • New Haven-Milford,MSA, Milford-Ansonia-Seymour,HUD Metro FMR Area $129,500 $170,950
    • New Haven-Meriden HUD Metro FMR Area $129,500 $170,950
    • Waterbury HUD Metro FMR Area $129,500 $170,950
    • Norwich-New London,MSA,Colchester-Lebanon,HUD Metro FMR Area $129,500 $170,950
    • Norwich-New London HUD Metro FMR Area $129,500 $170,950
    • Worcester, MA-CT MSA, Windham County,HUD Metro FMR Area $129,500 $170,950
    • Litchfield County $129,500 $170,950
    • All other areas $103,500 $136,600
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  • District Of Columbia USDA Income Limits by County, City, and Town
    • Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area $129,400 $170,800
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  • Delaware USDA Income Limits by County, City, and Town
    • Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA $121,200 $160,000
    • All other areas $103,500 $136,600
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  • Florida USDA Income Limits by County, City, and Town
    • Miami-Fort Lauderdale-Pompano Beach,MSA, Fort Lauderdale,HUD Metro FMR Area $104,300 $137,700
    • Miami-Miami Beach-Kendall HUD Metro FMR Area $112,150 $148,050
    • West Palm Beach-Boca Raton HUD Metro FMR Area $105,800 $139,650
    • Naples-Immokalee-Marco Island MSA $108,450 $143,150
    • Monroe County $117,900 $155,650
    • All other areas $103,500 $136,600
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  • Georgia USDA Income Limits by County, City, and Town
    • Atlanta-Sandy Springs-Alpharetta,MSA, Atlanta-Sandy Springs-Roswell,HUD Metro FMR Area $110,850 $146,300
    • All other areas $103,500 $136,600
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  • Hawaii USDA Income Limits by County, City, and Town
    • Kahului-Wailuku-Lahaina MSA $131,250 $173,250
    • Urban Honolulu MSA $150,200 $198,250
    • Hawaii County $116,450 $153,700
    • Kauai County $133,850 $176,700
    • All other areas $103,500 $136,600
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  • Iowa USDA Income Limits by County, City, and Town
    • Ames,MSA, Ames,HUD Metro FMR Area $115,600 $152,600
    • Des Moines-West Des Moines,MSA, Des Moines-West Des Moines,HUD Metro FMR Area $113,300 $149,550
    • Iowa City,MSA, Iowa City,HUD Metro FMR Area $125,350 $165,450
    • Omaha-Council Bluffs, NE-IA MSA, Omaha-Council Bluffs, NE-IA HUD Metro FMR Area $109,400 $144,400
    • Waterloo-Cedar Falls,MSA, Bremer County,HUD Metro FMR Area $109,950 $145,150
    • Cedar County $107,300 $141,650
    • Sioux County $103,650 $136,800
    • Winneshiek County $103,950 $137,200
    • All other areas $103,500 $136,600
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  • Idaho USDA Income Limits by County, City, and Town
    • All other areas $103,500 $136,600
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  • Illinois USDA Income Limits by County, City, and Town
    • Bloomington MSA $119,800 $158,150
    • Champaign-Urbana MSA $105,000 $138,600
    • Chicago-Naperville-Elgin, IL-IN-WI MSA, Chicago-Joliet-Naperville,HUD Metro FMR Area $119,800 $158,150
    • DeKalb County,HUD Metro FMR Area $111,350 $147,000
    • Grundy County,HUD Metro FMR Area $112,250 $148,150
    • Kendall County,HUD Metro FMR Area $129,400 $170,800
    • Springfield MSA $109,700 $144,800
    • St. Louis, MO-IL HUD Metro FMR Area $109,100 $144,000
    • All other areas $103,500 $136,600
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  • Indiana USDA Income Limits by County, City, and Town
    • Cincinnati, OH-KY-IN MSA, Cincinnati, OH-KY-IN HUD Metro FMR Area $109,850 $145,000
    • Indianapolis-Carmel HUD Metro FMR Area $105,000 $138,600
    • All other areas $103,500 $136,600
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  • Kansas USDA Income Limits by County, City, and Town
    • Kansas City, MO-KS MSA, Kansas City, MO-KS HUD Metro FMR Area $111,350 $147,000
    • Lawrence MSA $108,700 $143,500
    • All other areas $103,500 $136,600
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  • Kentucky USDA Income Limits by County, City, and Town
    • Cincinnati, OH-KY-IN MSA, Cincinnati, OH-KY-IN HUD Metro FMR Area $109,850 $145,000
    • All other areas $103,500 $136,600
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  • Louisiana USDA Income Limits by County, City, and Town
    • All other areas $103,500 $136,600
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  • Massachusetts USDA Income Limits by County, City, and Town
    • Barnstable Town MSA $137,850 $181,950
    • Boston-Cambridge-Newton, MA-NH MSA, Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area $160,800 $212,250
    • Brockton HUD Metro FMR Area $137,850 $181,950
    • Lawrence, MA-NH HUD Metro FMR Area $137,850 $181,950
    • Lowell HUD Metro FMR Area $137,850 $181,950
    • Pittsfield,MSA, Berkshire County,(part) HUD Metro FMR Area $137,850 $181,950
    • Pittsfield HUD Metro FMR Area $137,850 $181,950
    • Providence-Warwick, RI-MA MSA, Easton-Raynham,HUD Metro FMR Area $137,850 $181,950
    • New Bedford HUD Metro FMR Area $137,850 $181,950
    • Providence-Fall River, RI-MA HUD Metro FMR Area $111,200 $146,800
    • Taunton-Mansfield-Norton HUD Metro FMR Area $137,850 $181,950
    • Springfield,MSA, Franklin County,HUD Metro FMR Area $137,850 $181,950
    • Springfield HUD Metro FMR Area $137,850 $181,950
    • Worcester, MA-CT MSA, Eastern Worcester County,HUD Metro FMR Area $137,850 $181,950
    • Fitchburg-Leominster HUD Metro FMR Area $137,850 $181,950
    • Western Worcester County,HUD Metro FMR Area $137,850 $181,950
    • Worcester,HUD Metro FMR Area" $137,850 $181,950
    • Dukes County $148,350 $195,800
    • Nantucket County $160,050 $211,250
    • All other areas $103,500 $136,600
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  • Maryland USDA Income Limits by County, City, and Town
    • Baltimore-Columbia-Towson MSA $129,400 $170,800
    • California-Lexington Park MSA $129,400 $170,800
    • Cumberland, MD-WV MSA $121,350 $160,200
    • Hagerstown-Martinsburg, MD-WV MSA, Hagerstown,HUD Metro FMR Area $121,350 $160,200
    • Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA $121,200 $160,000
    • Salisbury, MD-DE MSA, Salisbury,HUD Metro FMR Area $121,350 $160,200
    • Somerset County,HUD Metro FMR Area $121,350 $160,200
    • Worcester County,HUD Metro FMR Area $121,350 $160,200
    • Washington-Arlington-Alexandria, DC-VA-MD-WV M, Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area $129,400 $170,800
    • Caroline County $121,350 $160,200
    • Dorchester County $121,350 $160,200
    • Garrett County $121,350 $160,200
    • Kent County $121,350 $160,200
    • Talbot County $121,350 $160,200
    • All other areas $103,500 $136,600
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  • Maine USDA Income Limits by County, City, and Town
    • Portland HUD Metro FMR Area $128,450 $169,550
    • York County,(part) HUD Metro FMR Area $105,450 $139,200
    • York-Kittery-South Berwick HUD Metro FMR Area $129,400 $170,800
    • All other areas $103,500 $136,600
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  • Michigan USDA Income Limits by County, City, and Town
    • Ann Arbor MSA $129,400 $170,800
    • Livingston County,HUD Metro FMR Area $128,350 $169,400
    • Holland-Grand Haven HUD Metro FMR Area $108,250 $142,900
    • All other areas $103,500 $136,600
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  • Minnesota USDA Income Limits by County, City, and Town
    • Duluth, MN-WI MSA, Duluth, MN-WI HUD Metro FMR Area $107,800 $142,300
    • Lake County,HUD Metro FMR Area $107,800 $142,300
    • Fargo, ND-MN MSA $115,600 $152,600
    • Grand Forks, ND-MN MSA $113,300 $149,550
    • La Crosse-Onalaska, WI-MN MSA $106,650 $140,800
    • Mankato-North Mankato MSA $107,800 $142,300
    • Minneapolis-St. Paul-Bloomington, MN-WI MSA, Le Sueur County,HUD Metro FMR Area $111,550 $147,250
    • Mille Lacs County,HUD Metro FMR Area $107,800 $142,300
    • Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area $129,400 $170,800
    • Rochester,MSA, Fillmore County,HUD Metro FMR Area $107,800 $142,300
    • Rochester HUD Metro FMR Area $128,250 $169,300
    • Wabasha County,HUD Metro FMR Area $107,800 $142,300
    • St. Cloud MSA $107,800 $142,300
    • Aitkin County $107,800 $142,300
    • Becker County $107,800 $142,300
    • Beltrami County $107,800 $142,300
    • Big Stone County $107,800 $142,300
    • Brown County $107,800 $142,300
    • Cass County $107,800 $142,300
    • Chippewa County $107,800 $142,300
    • Clearwater County $107,800 $142,300
    • Cook County $107,800 $142,300
    • Cottonwood County $107,800 $142,300
    • Crow Wing County $107,800 $142,300
    • Douglas County $107,800 $142,300
    • Faribault County $107,800 $142,300
    • Freeborn County $107,800 $142,300
    • Goodhue County $111,350 $147,000
    • Grant County $107,800 $142,300
    • Hubbard County $107,800 $142,300
    • Itasca County $107,800 $142,300
    • Jackson County $107,800 $142,300
    • Kanabec County $107,800 $142,300
    • Kandiyohi County $107,800 $142,300
    • Kittson County $107,800 $142,300
    • Koochiching County $107,800 $142,300
    • Lac qui Parle County $107,800 $142,300
    • Lake of the Woods County $107,800 $142,300
    • Lincoln County $107,800 $142,300
    • Lyon County $107,800 $142,300
    • Mahnomen County $107,800 $142,300
    • Marshall County $107,800 $142,300
    • Martin County $107,800 $142,300
    • McLeod County $107,800 $142,300
    • Meeker County $107,800 $142,300
    • Morrison County $107,800 $142,300
    • Mower County $107,800 $142,300
    • Murray County $107,800 $142,300
    • Nobles County $107,800 $142,300
    • Norman County $107,800 $142,300
    • Otter Tail County $107,800 $142,300
    • Pennington County $107,800 $142,300
    • Pine County $107,800 $142,300
    • Pipestone County $107,800 $142,300
    • Pope County $107,800 $142,300
    • Red Lake County $107,800 $142,300
    • Redwood County $107,800 $142,300
    • Renville County $107,800 $142,300
    • Rice County $111,200 $146,800
    • Rock County $107,800 $142,300
    • Roseau County $107,800 $142,300
    • Sibley County $107,800 $142,300
    • Steele County $107,800 $142,300
    • Stevens County $107,800 $142,300
    • Swift County $107,800 $142,300
    • Todd County $107,800 $142,300
    • Traverse County $107,800 $142,300
    • Wadena County $107,800 $142,300
    • Waseca County $107,800 $142,300
    • Watonwan County $107,800 $142,300
    • Wilkin County $107,800 $142,300
    • Winona County $107,800 $142,300
    • Yellow Medicine County $107,800 $142,300
    • All other areas $103,500 $136,600
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  • Missouri USDA Income Limits by County, City, and Town
    • Kansas City, MO-KS HUD Metro FMR Area $111,350 $147,000
    • St. Louis, MO-IL MSA, St. Louis, MO-IL HUD Metro FMR Area $109,100 $144,000
    • All other areas $103,500 $136,600
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  • Mississippi USDA Income Limits by County, City, and Town
    • All areas $103,500 $136,600
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  • Montana USDA Income Limits by County, City, and Town
    • Fallon County $104,100 $137,400
    • Gallatin County $114,300 $150,900
    • Jefferson County $104,200 $137,550
    • Lewis and Clark County $113,050 $149,250
    • Richland County $107,550 $141,950
    • All other areas $103,500 $136,600
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  • North Carolina USDA Income Limits by County, City, and Town
    • Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area $108,300 $142,950
    • Durham-Chapel Hill,MSA, Durham-Chapel Hill,HUD Metro FMR Area $109,850 $145,000
    • Raleigh MSA $123,050 $162,450
    • Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are $107,550 $141,950
    • All other areas $103,500 $136,600
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  • North Dakota USDA Income Limits by County, City, and Town
    • Bismarck MSA $118,000 $155,750
    • Fargo, ND-MN MSA $115,600 $152,600
    • Grand Forks, ND-MN MSA $109,250 $144,200
    • Adams County $110,400 $145,750
    • Barnes County $109,950 $145,150
    • Benson County $109,250 $144,200
    • Billings County $129,400 $170,800
    • Bottineau County $109,250 $144,200
    • Bowman County $114,300 $150,900
    • Burke County $120,200 $158,650
    • Cavalier County $109,250 $144,200
    • Dickey County $109,250 $144,200
    • Divide County $114,850 $151,600
    • Dunn County $124,200 $163,950
    • Eddy County $109,250 $144,200
    • Emmons County $109,250 $144,200
    • Foster County $110,400 $145,750
    • Golden Valley County $109,250 $144,200
    • Grant County $109,250 $144,200
    • Griggs County $109,250 $144,200
    • Hettinger County $109,250 $144,200
    • Kidder County $109,250 $144,200
    • LaMoure County $109,250 $144,200
    • Logan County $109,250 $144,200
    • McHenry County $110,050 $145,250
    • McIntosh County $109,250 $144,200
    • McKenzie County $113,850 $150,300
    • McLean County $109,250 $144,200
    • Mercer County $125,150 $165,200
    • Mountrail County $109,850 $145,000
    • Nelson County $109,250 $144,200
    • Pembina County $109,250 $144,200
    • Pierce County $109,250 $144,200
    • Ramsey County $109,250 $144,200
    • Ransom County $109,250 $144,200
    • Renville County $110,400 $145,750
    • Richland County $109,250 $144,200
    • Rolette County $109,250 $144,200
    • Sargent County $109,250 $144,200
    • Sheridan County $109,250 $144,200
    • Sioux County $109,250 $144,200
    • Slope County $109,250 $144,200
    • Stark County $122,850 $162,150
    • Steele County $110,400 $145,750
    • Stutsman County $109,250 $144,200
    • Towner County $109,250 $144,200
    • Traill County $111,100 $146,650
    • Walsh County $109,250 $144,200
    • Ward County $110,400 $145,750
    • Wells County $109,250 $144,200
    • Williams County $128,650 $169,800
    • All other areas $103,500 $136,600
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  • Nebraska USDA Income Limits by County, City, and Town
    • Lincoln,MSA, Lincoln,HUD Metro FMR Area $104,200 $137,550
    • Seward County,HUD Metro FMR Area $111,000 $146,500
    • Omaha-Council Bluffs, NE-IA MSA, Omaha-Council Bluffs, NE-IA HUD Metro FMR Area $109,400 $144,400
    • Saunders County,HUD Metro FMR Area $106,950 $141,150
    • All other areas $103,500 $136,600
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  • New Hampshire USDA Income Limits by County, City, and Town
    • Boston-Cambridge-Newton, MA-NH MSA, Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area $160,800 $212,250
    • Lawrence, MA-NH HUD Metro FMR Area $130,800 $172,650
    • Portsmouth-Rochester HUD Metro FMR Area $129,400 $170,800
    • Western Rockingham County,HUD Metro FMR Area $129,400 $170,800
    • Manchester-Nashua,MSA, Hillsborough County,(part) HUD Metro FMR Area $125,950 $166,250
    • Manchester HUD Metro FMR Area $116,450 $153,700
    • Nashua HUD Metro FMR Area $129,400 $170,800
    • Belknap County $116,450 $153,700
    • Carroll County $116,450 $153,700
    • Cheshire County $116,450 $153,700
    • Coos County $116,450 $153,700
    • Grafton County $116,450 $153,700
    • Merrimack County $120,400 $158,950
    • Sullivan County $116,450 $153,700
    • All other areas $103,500 $136,600
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  • New Jersey USDA Income Limits by County, City, and Town
    • Allentown-Bethlehem-Easton, PA-NJ MSA, Warren County,HUD Metro FMR Area $129,400 $170,800
    • Atlantic City-Hammonton,MSA,108550,143300 , New York-Newark-Jersey City $0 $0
    • Jersey City HUD Metro FMR Area $132,100 $174,350
    • Middlesex-Somerset-Hunterdon HUD Metro FMR Area $129,400 $170,800
    • Monmouth-Ocean HUD Metro FMR Area $129,400 $170,800
    • Newark HUD Metro FMR Area $129,400 $170,800
    • Ocean City MSA $109,100 $144,000
    • Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA $121,200 $160,000
    • Trenton MSA $129,400 $170,800
    • Vineland-Bridgeton MSA $108,550 $143,300
    • All other areas $103,500 $136,600
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  • New Mexico USDA Income Limits by County, City, and Town
    • Los Alamos County $129,400 $170,800
    • All other areas $103,500 $136,600
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  • Nevada USDA Income Limits by County, City, and Town
    • Reno MSA $107,400 $141,750
    • Elko County $116,750 $154,100
    • Eureka County $125,550 $165,750
    • Humboldt County $106,400 $140,450
    • Lander County $129,150 $170,500
    • All other areas $103,500 $136,600
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  • New York USDA Income Limits by County, City, and Town
    • Albany-Schenectady-Troy MSA $121,900 $160,900
    • Ithaca MSA $115,200 $152,050
    • Kingston MSA $110,400 $145,750
    • New York-Newark-Jersey City, NY-NJ-PA MSA, Nassau-Suffolk,HUD Metro FMR Area $138,450 $182,750
    • New York HUD Metro FMR Area $156,850 $207,050
    • Rockland,HUD Income Limit Area $156,850 $207,050
    • Westchester County,Statutory Exception Area $132,400 $174,750
    • Poughkeepsie-Newburgh-Middletown MSA $129,250 $170,600
    • All other areas $103,500 $136,600
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  • Ohio USDA Income Limits by County, City, and Town
    • Cincinnati, OH-KY-IN HUD Metro FMR Area $109,850 $145,000
    • Columbus,MSA, Columbus,HUD Metro FMR Area $107,750 $142,250
    • Union County,HUD Metro FMR Area $126,650 $167,200
    • All other areas $103,500 $136,600
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  • Oklahoma USDA Income Limits by County, City, and Town
    • All other areas $103,500 $136,600
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  • Oregon USDA Income Limits by County, City, and Town
    • Corvallis MSA $109,400 $144,400
    • Portland-Vancouver-Hillsboro, OR-WA MSA $122,500 $161,700
    • All other areas $103,500 $136,600
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  • Pennsylvania USDA Income Limits by County, City, and Town
    • Allentown-Bethlehem-Easton, PA-NJ MSA, Allentown-Bethlehem-Easton,HUD Metro FMR Area $104,200 $137,550
    • Gettysburg MSA $103,850 $137,100
    • Harrisburg-Carlisle MSA $108,450 $143,150
    • Lancaster MSA $103,700 $136,900
    • Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA $121,200 $160,000
    • Pittsburgh HUD Metro FMR Area $109,050 $143,950
    • Reading,MSA,104300,137700, State College,MSA $111,900 $147,700
    • York-Hanover MSA $105,250 $138,950
    • All other areas $103,500 $136,600
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  • Rhode Island USDA Income Limits by County, City, and Town
    • Providence-Warwick, RI-MA MSA, Newport-Middleton-Portsmouth,HUD Metro FMR Area $129,400 $170,800
    • Providence-Fall River, RI-MA HUD Metro FMR Area $111,200 $146,800
    • Westerly-Hopkinton-New Shoreham HUD Metro FMR Area $120,600 $159,200
    • All other areas $103,500 $136,600
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  • South Carolina USDA Income Limits by County, City, and Town
    • Charleston-North Charleston MSA $105,600 $139,400
    • Charlotte-Concord-Gastonia, NC-SC MSA, Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area $108,300 $142,950
    • All other areas $103,500 $136,600
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  • South Dakota USDA Income Limits by County, City, and Town
    • Sioux Falls MSA $104,300 $137,700
    • Brookings County $110,750 $146,200
    • Faulk County $105,600 $139,400
    • Hughes County $115,150 $152,000
    • All other areas $103,500 $136,600
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  • Tennessee USDA Income Limits by County, City, and Town
    • Nashville-Davidson--Murfreesboro--Franklin HUD Metro FMR Area $108,450 $143,150
    • All other areas $103,500 $136,600
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  • Texas USDA Income Limits by County, City, and Town
    • Austin-Round Rock MSA $126,850 $167,450
    • Dallas-Fort Worth-Arlington,MSA, Dallas,HUD Metro FMR Area $112,000 $147,850
    • Fort Worth-Arlington HUD Metro FMR Area $103,950 $137,200
    • Brazoria County,HUD Metro FMR Area $123,050 $162,450
    • Midland HUD Metro FMR Area $122,500 $161,700
    • Kendall County,HUD Metro FMR Area $129,400 $170,800
    • Andrews County $107,150 $141,450
    • Borden County $119,400 $157,600
    • Glasscock County $112,250 $148,150
    • Loving County $119,050 $157,150
    • Roberts County $110,050 $145,250
    • All other areas $103,500 $136,600
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  • Utah USDA Income Limits by County, City, and Town
    • Ogden-Clearfield HUD Metro FMR Area $115,600 $152,600
    • Provo-Orem MSA $107,650 $142,100
    • Salt Lake City,MSA, Salt Lake City,HUD Metro FMR Area $117,750 $155,450
    • Tooele County,HUD Metro FMR Area $106,750 $140,900
    • Daggett County $116,150 $153,300
    • Summit County $129,400 $170,800
    • Wasatch County $119,400 $157,600
    • All other areas $103,500 $136,600
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  • Virginia USDA Income Limits by County, City, and Town
    • Charlottesville MSA $120,550 $159,150
    • Richmond MSA $115,800 $152,850
    • Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Are $107,550 $141,950
    • Washington-Arlington-Alexandria, DC-VA-MD-WV M, Culpeper County,HUD Metro FMR Area $114,800 $151,550
    • Rappahannock County,HUD Metro FMR Area $113,050 $149,250
    • Warren County,HUD Metro FMR Area $107,150 $141,450
    • Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area $129,400 $170,800
    • Winchester, VA-WV MSA $104,650 $138,150
    • King George County $128,800 $170,000
    • Orange County $105,350 $139,050
    • All other areas $103,500 $136,600
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  • Vermont USDA Income Limits by County, City, and Town
    • Burlington-South Burlington MSA $123,400 $162,900
    • Addison County $107,650 $142,100
    • Washington County $105,100 $138,750
    • All other areas $103,500 $136,600
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  • Washington USDA Income Limits by County, City, and Town
    • Bellingham MSA $106,400 $140,450
    • Bremerton-Silverdale MSA $118,300 $156,150
    • Kennewick-Richland,MSA,106400,140450, Longview,MSA $106,400 $140,450
    • Mount Vernon-Anacortes MSA $106,400 $140,450
    • Olympia-Tumwater MSA $116,000 $153,100
    • Portland-Vancouver-Hillsboro, OR-WA MSA $122,500 $161,700
    • Seattle-Tacoma-Bellevue,MSA, Seattle-Bellevue,HUD Metro FMR Area $140,650 $185,650
    • Tacoma HUD Metro FMR Area $116,750 $154,100
    • Spokane-Spokane Valley,MSA, Spokane,HUD Metro FMR Area $106,400 $140,450
    • Stevens County,HUD Metro FMR Area $106,400 $140,450
    • Walla Walla MSA $106,400 $140,450
    • Wenatchee MSA $106,400 $140,450
    • Yakima MSA $106,400 $140,450
    • Adams County $106,400 $140,450
    • Clallam County $106,400 $140,450
    • Columbia County $106,400 $140,450
    • Ferry County $106,400 $140,450
    • Garfield County $106,400 $140,450
    • Grant County $106,400 $140,450
    • Grays Harbor County $106,400 $140,450
    • Island County $106,400 $140,450
    • Jefferson County $106,400 $140,450
    • Kittitas County $106,400 $140,450
    • Klickitat County $106,400 $140,450
    • Lewis County $106,400 $140,450
    • Lincoln County $106,400 $140,450
    • Mason County $106,400 $140,450
    • Okanogan County $106,400 $140,450
    • Pacific County $106,400 $140,450
    • Pend Oreille County $106,400 $140,450
    • San Juan County $106,400 $140,450
    • Wahkiakum County $106,400 $140,450
    • Whitman County $106,400 $140,450
    • All other areas $103,500 $136,600
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  • Wisconsin USDA Income Limits by County, City, and Town
    • Appleton MSA $110,050 $145,250
    • Green Bay,MSA, Green Bay,HUD Metro FMR Area $103,700 $136,900
    • La Crosse-Onalaska, WI-MN MSA $103,650 $136,800
    • Madison,MSA, Columbia County,HUD Metro FMR Area $106,400 $140,450
    • Iowa County,HUD Metro FMR Area $104,100 $137,400
    • Madison HUD Metro FMR Area $129,400 $170,800
    • Milwaukee-Waukesha-West Allis MSA $108,550 $143,300
    • Minneapolis-St. Paul-Bloomington, MN-WI MSA, Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area $129,400 $170,800
    • All other areas $103,500 $136,600
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  • West Virginia USDA Income Limits by County, City, and Town
    • Washington-Arlington-Alexandria, DC-VA-MD-WV M, Jefferson County,HUD Metro FMR Area $125,150 $165,200
    • Winchester, VA-WV MSA $104,650 $138,150
    • All other areas $103,500 $136,600
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  • Wyoming USDA Income Limits by County, City, and Town
    • Cheyenne MSA $107,550 $141,950
    • Campbell County $113,850 $150,300
    • Converse County $105,000 $138,600
    • Lincoln County $104,500 $137,950
    • Sheridan County $104,300 $137,700
    • Sublette County $111,350 $147,000
    • Sweetwater County $112,350 $148,300
    • Teton County $129,400 $170,800
    • All other areas $103,500 $136,600
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How USDA Income Limits Work

USDA loan income limits act like an eligibility threshold. If your household’s combined total income is less than USDA’s limit, you can apply for the USDA zero-down loan program.

USDA sets new limits every year in the spring (May or June typically). These limits are capped around 15% above the average median income for households in the area.

Standard income limits for the Single-Family Housing Guaranteed Loan Program as of June 8, 2022 are as follows:

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 $136,650 in a household of 1-4 or $180,400 in a household of 5-8.

*Households of 8 or more get an 8% increase to their total household income limit for qualifying. The 8% gets applied to the 1-4 member household limit for each additional member. Calculate your city’s USDA income limit!

USDA Lenders Set Maximum Loan Amounts

USDA qualifies applicants using income from each adult earner in the household, regardless of whether they’re obligated on the loan. Add each adult’s annual income to find your household’s total annual income to get an idea of where you stand.

If you are paid by the hour, calculate your annual income using the following formula:

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

USDA lenders use these income calculations to determine your repayment ability:

  1. Total annual household income (from all adult income-earning household members)
  2. Projected annual income for the next 12 months (from supporting income documentation and third-party employer verification)
  3. Repayment income (adjusted annual total from supporting documentation)

All income is calculated and verified using the following documentation:

After income is verified, USDA lenders review these additional financial factors to determine your repayment ability:

Repayment ability helps USDA lenders determine a loan amount the buyer can afford. In other words, your lender sets your max USDA loan amount. But not all income types are eligible. Below are the most common types of income USDA does not allow for qualifying:

This list is not all-inclusive and not every applicant’s situation will fit perfectly inside these basic guidelines. In those cases, lenders may require an in-depth review of the applicant’s income against other determining factors to qualify.

Talk to a Neighbors Bank loan specialist to see if you meet USDA’s income requirements!

The Misconception about Maximum Loan Limits & The Facts

The Misconception: USDA loans limit how much homebuyers can borrow in addition to setting income limits.

Maximum loan limits do not apply to USDA home loans. USDA limits are often confused with maximum loan limits applying to FHA or other home loans, regardless of the buyer repayment ability. In reality, there is no such rule for USDA home loans.

The Facts: USDA loans empower buyers to borrow as much as they are able to repay.

What makes a future homebuyer USDA eligible?

In other words, if you meet the above USDA requirements, you can likely borrow as much as a lender will give you. Speak with a Neighbors Bank home loan specialist today to get started!