{ "dataset": "USDA Guaranteed Loan income limits by state", "description": "USDA Single Family Housing Guaranteed Loan (Section 502) moderate-income limits for all 50 states and DC, by household size (1-4 and 5-8 people), with verified high-cost metro exceptions and the largest USDA-ineligible urban cores per state. Derived from USDA HB-1-3555 Appendix 5 (FY 2025 table, effective 06/18/2025, still in effect for 2026).", "fiscalYear": "FY2025", "effectiveDate": "2025-06-18", "dateRetrieved": "2026-06-18", "source": "https://www.rd.usda.gov/sites/default/files/rd-grhlimitmap.pdf", "license": "CC BY 4.0 — attribute Rural Home Check (ruralhomecheck.com) and USDA as the underlying source.", "nationalFloor": { "oneToFour": 119850, "fiveToEight": 158250 }, "disclaimer": "Planning aid only, not a USDA determination. Most counties use the national moderate-income floor; high-cost metro counties can be higher. Confirm the exact county row in USDA's official income-limit PDF and with a USDA-approved lender.", "rowCount": 51, "rows": [ { "state": "Alabama", "abbr": "AL", "slug": "alabama", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [ { "areaName": "Huntsville, AL MSA", "oneToFour": 132850, "fiveToEight": 175400 } ], "ineligibleCores": [ "Birmingham", "Montgomery", "Mobile" ] }, { "state": "Alaska", "abbr": "AK", "slug": "alaska", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Anchorage", "Fairbanks", "Juneau" ] }, { "state": "Arizona", "abbr": "AZ", "slug": "arizona", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Phoenix", "Tucson", "Mesa" ] }, { "state": "Arkansas", "abbr": "AR", "slug": "arkansas", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Little Rock", "Fayetteville", "Fort Smith" ] }, { "state": "California", "abbr": "CA", "slug": "california", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Los Angeles", "San Diego", "San Jose" ] }, { "state": "Colorado", "abbr": "CO", "slug": "colorado", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Denver", "Colorado Springs", "Aurora" ] }, { "state": "Connecticut", "abbr": "CT", "slug": "connecticut", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Bridgeport", "New Haven", "Hartford" ] }, { "state": "Delaware", "abbr": "DE", "slug": "delaware", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Wilmington", "Dover", "Newark" ] }, { "state": "District of Columbia", "abbr": "DC", "slug": "district-of-columbia", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Washington" ] }, { "state": "Florida", "abbr": "FL", "slug": "florida", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Jacksonville", "Miami", "Tampa", "Orlando" ] }, { "state": "Georgia", "abbr": "GA", "slug": "georgia", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Atlanta", "Augusta", "Columbus" ] }, { "state": "Hawaii", "abbr": "HI", "slug": "hawaii", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Honolulu", "Pearl City", "Hilo" ] }, { "state": "Idaho", "abbr": "ID", "slug": "idaho", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Boise", "Meridian", "Nampa" ] }, { "state": "Illinois", "abbr": "IL", "slug": "illinois", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Chicago", "Aurora", "Naperville" ] }, { "state": "Indiana", "abbr": "IN", "slug": "indiana", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Indianapolis", "Fort Wayne", "Evansville" ] }, { "state": "Iowa", "abbr": "IA", "slug": "iowa", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Des Moines", "Cedar Rapids", "Davenport" ] }, { "state": "Kansas", "abbr": "KS", "slug": "kansas", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Wichita", "Overland Park", "Kansas City" ] }, { "state": "Kentucky", "abbr": "KY", "slug": "kentucky", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Louisville", "Lexington", "Bowling Green" ] }, { "state": "Louisiana", "abbr": "LA", "slug": "louisiana", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "New Orleans", "Baton Rouge", "Shreveport" ] }, { "state": "Maine", "abbr": "ME", "slug": "maine", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Portland", "Lewiston", "Bangor" ] }, { "state": "Maryland", "abbr": "MD", "slug": "maryland", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Baltimore", "Columbia", "Germantown" ] }, { "state": "Massachusetts", "abbr": "MA", "slug": "massachusetts", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Boston", "Worcester", "Springfield" ] }, { "state": "Michigan", "abbr": "MI", "slug": "michigan", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Detroit", "Grand Rapids", "Warren" ] }, { "state": "Minnesota", "abbr": "MN", "slug": "minnesota", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Minneapolis", "Saint Paul", "Rochester" ] }, { "state": "Mississippi", "abbr": "MS", "slug": "mississippi", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Jackson", "Gulfport", "Southaven" ] }, { "state": "Missouri", "abbr": "MO", "slug": "missouri", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Kansas City", "Saint Louis", "Springfield" ] }, { "state": "Montana", "abbr": "MT", "slug": "montana", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Billings", "Missoula", "Great Falls" ] }, { "state": "Nebraska", "abbr": "NE", "slug": "nebraska", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Omaha", "Lincoln", "Bellevue" ] }, { "state": "Nevada", "abbr": "NV", "slug": "nevada", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Las Vegas", "Henderson", "Reno" ] }, { "state": "New Hampshire", "abbr": "NH", "slug": "new-hampshire", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Manchester", "Nashua", "Concord" ] }, { "state": "New Jersey", "abbr": "NJ", "slug": "new-jersey", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Newark", "Jersey City", "Paterson" ] }, { "state": "New Mexico", "abbr": "NM", "slug": "new-mexico", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Albuquerque", "Las Cruces", "Rio Rancho" ] }, { "state": "New York", "abbr": "NY", "slug": "new-york", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "New York City", "Buffalo", "Rochester" ] }, { "state": "North Carolina", "abbr": "NC", "slug": "north-carolina", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Charlotte", "Raleigh", "Greensboro" ] }, { "state": "North Dakota", "abbr": "ND", "slug": "north-dakota", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Fargo", "Bismarck", "Grand Forks" ] }, { "state": "Ohio", "abbr": "OH", "slug": "ohio", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Columbus", "Cleveland", "Cincinnati" ] }, { "state": "Oklahoma", "abbr": "OK", "slug": "oklahoma", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Oklahoma City", "Tulsa", "Norman" ] }, { "state": "Oregon", "abbr": "OR", "slug": "oregon", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Portland", "Salem", "Eugene" ] }, { "state": "Pennsylvania", "abbr": "PA", "slug": "pennsylvania", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Philadelphia", "Pittsburgh", "Allentown" ] }, { "state": "Rhode Island", "abbr": "RI", "slug": "rhode-island", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Providence", "Warwick", "Cranston" ] }, { "state": "South Carolina", "abbr": "SC", "slug": "south-carolina", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Charleston", "Columbia", "North Charleston" ] }, { "state": "South Dakota", "abbr": "SD", "slug": "south-dakota", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Sioux Falls", "Rapid City", "Aberdeen" ] }, { "state": "Tennessee", "abbr": "TN", "slug": "tennessee", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [ { "areaName": "Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR Area", "oneToFour": 132050, "fiveToEight": 174350 } ], "ineligibleCores": [ "Nashville", "Memphis", "Knoxville" ] }, { "state": "Texas", "abbr": "TX", "slug": "texas", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [ { "areaName": "Austin-Round Rock-San Marcos, TX MSA", "oneToFour": 149800, "fiveToEight": 197750 }, { "areaName": "Austin-Round Rock-San Marcos, TX MSA", "oneToFour": 149800, "fiveToEight": 197750 }, { "areaName": "Austin-Round Rock-San Marcos, TX MSA", "oneToFour": 149800, "fiveToEight": 197750 }, { "areaName": "Dallas, TX HUD Metro FMR Area", "oneToFour": 134900, "fiveToEight": 178100 }, { "areaName": "Fort Worth-Arlington, TX HUD Metro FMR Area", "oneToFour": 122700, "fiveToEight": 162000 }, { "areaName": "Brazoria County, TX HUD Metro FMR Area", "oneToFour": 133550, "fiveToEight": 176300 }, { "areaName": "Kendall County, TX HUD Metro FMR Area", "oneToFour": 149800, "fiveToEight": 197750 } ], "ineligibleCores": [ "Houston", "San Antonio", "Dallas", "Austin" ] }, { "state": "Utah", "abbr": "UT", "slug": "utah", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Salt Lake City", "West Valley City", "Provo" ] }, { "state": "Vermont", "abbr": "VT", "slug": "vermont", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Burlington", "South Burlington", "Rutland" ] }, { "state": "Virginia", "abbr": "VA", "slug": "virginia", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Virginia Beach", "Norfolk", "Chesapeake" ] }, { "state": "Washington", "abbr": "WA", "slug": "washington", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Seattle", "Spokane", "Tacoma" ] }, { "state": "West Virginia", "abbr": "WV", "slug": "west-virginia", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Charleston", "Huntington", "Morgantown" ] }, { "state": "Wisconsin", "abbr": "WI", "slug": "wisconsin", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Milwaukee", "Madison", "Green Bay" ] }, { "state": "Wyoming", "abbr": "WY", "slug": "wyoming", "oneToFour": 119850, "fiveToEight": 158250, "highCostExceptions": [], "ineligibleCores": [ "Cheyenne", "Casper", "Laramie" ] } ] }