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USDA Income Limits Lookup

Look up the FY2026 USDA guaranteed loan income limit for any county and household size, and check whether your household income qualifies.

USDA Income Limits by County

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Choose a state and county to see the FY2026 income limit for USDA guaranteed loans.

Estimates for planning only, not a loan offer or financial advice. Program rules checked October 22, 2026; property tax defaults from Census 2024 data. Your lender's Loan Estimate has your actual numbers.

How USDA income limits work

USDA guaranteed loans are for moderate-income households: household income can be up to 115% of the area median. USDA sets one limit for households of 1 to 4 people and a higher one for 5 to 8 people, by county or metro area. In parts of New England the limit is set town by town, and Alaska has a higher limit for places off the road system.

Household income means everyone who will live in the home, not just the people on the loan. USDA compares the limit with adjusted income, after deductions for things like dependent children, elderly or disabled household members, and child care costs, so a household slightly over the number above may still qualify. A USDA-approved lender runs the exact calculation.

Two checks, not one

Meeting the income limit is only half of it. The home also has to be in a USDA-eligible area, which you can check by address on USDA's eligibility site. Then estimate your payment with the USDA loan calculator.

Frequently asked questions

What is the USDA income limit for 2026?+
It depends on the county and household size. In most of the country it is $122,800 for households of 1 to 4 people and $162,100 for 5 to 8; higher-cost areas have higher limits. Look up your county above.
Does USDA count my spouse's income if they aren't on the loan?+
Yes. USDA counts income from every adult in the household, whether or not they are on the loan, then subtracts allowed deductions.
What if my income is a little over the limit?+
You may still qualify after deductions, such as for dependent children or child care. Ask a USDA-approved lender to calculate your adjusted income.
Is the income limit the same as the USDA property eligibility map?+
No. The income limit checks your household; the eligibility map checks the address. A USDA loan needs both.

Sources

Last verified October 22, 2026.