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 2025 moderate-income floor is $119,850 for 1-4 people and $158,250 for 5-8, with higher limits in high-cost metro counties.
Income limits verified 2026-06-18
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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 $119,850 / $158,250 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.
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