Rural Home Check
USDA by state

USDA loan income limits by state

Pick a state for its USDA Section 502 Guaranteed Loan income limits and eligible-area context. Across most counties the FY 2026 moderate-income floor is $122,800 for 1-4 people and $162,100 for 5-8, with higher limits in high-cost metro counties.

Income limits verified 2026-07-18

Reviewed by Rural Home Check; last reviewed 2026-07-18

USDA area layerreadyVerified 2026-07-18Census geocoderaddress inputVerified 2026-07-18USDA income limitsFY 2026 snapshotUSDA FY 2026 income limits (effective 07/13/2026, PN 657); Verified 2026-07-18
State checks

USDA eligibility map and income-limit checks to start with

These quick links pair the rural-area map question with the income-limit check for states where buyers usually need both answers before running a specific address.

South Carolina USDA eligibility mapNorth Carolina USDA eligibility mapIdaho USDA eligibility mapPennsylvania USDA eligibility mapGeorgia USDA eligibility mapOregon USDA eligibility mapMissouri USDA eligibility map

Income limits are mostly national, eligibility is local

USDA publishes one Guaranteed Loan income-limit table (HB-1-3555 Appendix 5) for the whole country. Most counties sit at the $122,800 / $162,100 floor, while high-cost metro counties carry higher limits. Whether a specific property is in an eligible areais a separate, address-level test against USDA Rural Development's ineligible-area map.

For the county-row workflow behind those state pages, use USDA income limits by state and county. It explains how household size, county or metro area, and USDA's Appendix 5 table fit together before lender review.

Prefer the raw numbers? Download the full 51-state USDA income-limit dataset (CSV / JSON) — one dated, sourced table covering every state and DC.

Run the live precheck

Use the state pages for planning, then check a real address and income against the same official source chain in the USDA loan scenario templates or jump straight to the property checker.

Run the live precheck
These state pages are planning aids. Final property and borrower eligibility must be determined by USDA Rural Development and an approved lender after a complete application.