What is the USDA loan income limit in Florida?

In most Florida counties the USDA Guaranteed Loan moderate-income limit is $122,800 for a 1-4 person household and $162,100 for a 5-8 person household, from the FY 2026 USDA table effective 07/13/2026. Higher-cost metro counties can have higher limits, so confirm the exact county row in USDA's income-limit PDF.

What is the USDA Section 502 Direct loan income limit in Florida?

The Direct loan uses lower income limits than the Guaranteed program on this page. Section 502 Direct is reserved for low-income (at or below 80% of area median income) and very-low-income (at or below 50% of AMI) Florida households, versus the moderate-income 115%-of-AMI ceiling that produces the $122,800 / $162,100 Guaranteed figures. USDA funds the Direct loan itself and can add a payment-assistance subsidy. Look up the exact Florida county Direct income limit on USDA's eligibility portal under "Single Family Housing Direct."

Which areas of Florida are USDA eligible?

Florida's interior — the Panhandle, the Big Bend, and the agricultural counties around Lake Okeechobee — stays USDA-eligible even as the coastal metros are excluded. The largest urbanized cities — Jacksonville, Miami, Tampa and Orlando — and their immediate suburbs are excluded from the USDA Section 502 Guaranteed Loan eligible-area map, while the surrounding smaller communities generally remain eligible. Always confirm a specific address, because boundaries can run mid-street.

Is the USDA income limit the most I can borrow in Florida?

No. The income limit only screens whether your household is eligible for the program. The loan amount is set separately by a USDA-approved lender using repayment income and the 29% PITI / 41% total-debt ratio guidelines; USDA sets no maximum loan amount.

Do you need a down payment for a USDA loan in Florida?

No. The USDA Section 502 Guaranteed Loan finances 100% of the appraised value with no down payment, making it one of the only true zero-down mortgages available to Florida buyers who meet the eligible-area and income tests. A 1.00% upfront guarantee fee can be rolled into the loan and a 0.35% annual fee is spread across the monthly payment, so out-of-pocket cash at closing can be limited to a deposit and closing costs.

Is the Lake County commuter belt USDA eligible?

Partly. On 2026-07-31, 3 of 6 points sampled inside the Lake County commuter belt (Lake County) fell outside USDA's published ineligible-area layer — so about half of the Lake County commuter belt reads as USDA-eligible area, but not all of it. Clermont, Mount Dora and Eustis returned inside the ineligible area; Groveland, Mascotte and Tavares returned outside it. Because the line runs through the town itself, a ZIP or town name cannot answer this: run the exact street address.

Is Orlando USDA eligible?

No. Orlando itself is an excluded urbanized core: every point sampled inside the city on 2026-07-31 fell inside USDA's ineligible-area layer. The USDA-eligible ground near Orlando starts in the commuter belt — the Lake County commuter belt, Dade City, Haines City and Lake Wales all returned at least partly outside the ineligible area on the same sample. Boundaries can run mid-street, so confirm the specific address.

USDA by state

USDA loan income limits and eligible areas in Florida

Florida USDA Section 502 Guaranteed Loan income limits, the eligible-area context for its rural communities, and the official USDA sources behind both — then run the live address and income precheck.

Income limits verified 2026-07-18

Source review by Rural Home Check; last reviewed 2026-07-31

Open live precheck

Florida income limit

In most Florida counties the USDA Guaranteed Loan moderate-income limit is $122,800 for a 1-4 person household and $162,100 for a 5-8 person household (FY 2026 USDA table, PN 657, effective 07/13/2026).

Eligible areas in Florida

Florida's interior — the Panhandle, the Big Bend, and the agricultural counties around Lake Okeechobee — stays USDA-eligible even as the coastal metros are excluded. The urbanized cores of Jacksonville, Miami, Tampa and Orlando are excluded from the USDA map; their surrounding rural communities generally remain eligible.

USDA loan basics

Why buyers choose a USDA loan in Florida

USDA generally defines an eligible rural area as one with a population of 35,000 or less, and for a home inside that map the Section 502 Guaranteed Loan finances 100% of the appraised value with no down payment — the two features that pull Florida buyers toward USDA over FHA or conventional financing (USDA program facts verified 2026-06-26).

$0 down payment

The Section 502 Guaranteed Loan funds 100% of the appraised value, so qualified Florida buyers bring no down payment. A 1.00% upfront guarantee fee is financeable and a 0.35% annual fee is built into the monthly payment.

Population 35,000 or less

An area qualifies as USDA “rural” when its population is 35,000 or less and it is rural in character — which is why most of Florida outside Jacksonville and the other large metros stays on the eligible-area map.

Income up to 115% of AMI

The program serves low- and moderate-income households — generally up to 115% of the area median income for the Florida county, which is how USDA derives the $122,800 / $162,100 limits above.

Direct vs. Guaranteed

Section 502 Direct vs. Guaranteed loan income limits in Florida

USDA runs two different Section 502 home-loan programs with two different income limits: the Guaranteed loan caps household income at 115% of the Florida county area median income (the $122,800 / $162,100 figures on this page), while the Direct loan is far tighter — reserved for low-income (at or below 80% of AMI) and very-low-income (at or below 50% of AMI) households. This precheck and every income figure above cover the Guaranteed program; the Direct program uses its own, lower county limits (USDA program facts verified 2026-07-15).

Section 502 Guaranteed — up to 115% of AMI

A USDA-approved private lender funds the loan and USDA guarantees it. Moderate-income Florida households up to 115% of the county AMI qualify, which is how USDA derives the $122,800 (1-4) / $162,100 (5-8) limits this page tracks. No down payment; a 1.00% upfront and 0.35% annual guarantee fee apply.

Section 502 Direct — very-low (≤50%) / low (≤80%) of AMI

USDA funds the loan directly and can add a payment-assistance subsidy that lowers the effective interest rate for the lowest-income Florida buyers. Because the income ceiling is 50-80% of county AMI rather than 115%, the Direct income limits are lower than the figures on this page — look up the exact Florida county Direct limit on USDA's eligibility portal (choose “Single Family Housing Direct”).

USDA Section 502 Direct program Look up Florida Direct income limits

Eligible-area examples

Representative USDA-eligible-area communities in Florida

In Florida, small cities well under USDA's 35,000-person rural-area population ceiling and outside Jacksonville, Miami, Tampa and Orlando generally sit inside the USDA Section 502 eligible-area map — Sebring, Wauchula, Live Oak and Lake City are representative examples, each a rural Florida city under 35,000 residents at the 2020 Census. USDA sets eligibility address by address, so confirm the exact street address in the precheck.

These name the kind of eligible-area community, not a determination for any single address: USDA boundaries can run mid-street even inside a generally eligible town, and the excluded metros — Jacksonville, Miami, Tampa and Orlando — and their immediate suburbs stay off the map.

Boundary sample

Where the USDA line actually falls around Orlando

On 2026-07-31 we queried USDA's published ineligible-area map layer — the same layer the precheck on this site uses — at 17 separate points across the Orlando commuter belt. 6 of the 17 points fell outside USDA's ineligible area — but none of them were inside Orlando itself. The USDA-eligible ground starts in the surrounding towns, and in one of them the line runs through the town itself.

Community	County	Points outside the ineligible area
Orlando and west Orange County	Orange County	0 of 4Last verified: 2026-07-31. The Census internal points for Orlando, Winter Garden, Ocoee and Apopka all returned inside USDA's ineligible area.
Kissimmee, Sanford, Oviedo and DeLand	Osceola, Seminole and Volusia counties	0 of 4The Census internal point for each community returned inside the Orlando-area exclusion.
the Lake County commuter belt	Lake County	3 of 6Clermont, Mount Dora and Eustis returned inside the ineligible area; Groveland, Mascotte and Tavares returned outside it.
Dade City, Haines City and Lake Wales	Pasco and Polk counties	3 of 3The Census internal point for each outer Central Florida community returned outside USDA's ineligible area.

This is a dated reading of USDA's own layer (effective 2023-07-25) at a handful of points, not a determination for any address — which is exactly why the split counts matter. USDA and your lender make the final call, so enter the full street address in the precheck above.

Deep dive

A USDA Guaranteed Loan in Florida turns on two separate USDA tests: whether the property sits in a USDA-eligible rural area, and whether household income is within the county income limit. Both must hold before a lender underwrites the file.

Florida income limits by household size

USDA HB-1-3555 Appendix 5 sets the moderate-income limit per county and household-size band. Across most Florida counties the floor is $122,800 (1-4 people) and $162,100 (5-8 people). For households above eight, USDA adds 8% of the four-person limit per additional person. The figure is adjusted annual household income after USDA's allowable deductions, not gross pay.

Where Florida limits can be higher

Higher-cost metro counties can exceed the $122,800 / $162,100 floor. This precheck applies the national floor when a specific Florida county row has not been ingested and labels it as a fallback, so confirm the exact county or metro row in USDA's official income-limit PDF.

Checking a Florida address

USDA eligibility is address-level, not ZIP-level: one ZIP can straddle eligible and ineligible ground, and boundaries often run mid-street near Jacksonville and other urbanized edges. Enter a complete Florida street address in the live precheck to geocode the point and test it against USDA Rural Development's ineligible-area layer.

After the precheck

Save the Florida address, county, household size, income, and check date. A USDA-approved lender and the Florida USDA Rural Development state office confirm the official county row and final eligibility. Income eligibility is not a loan amount — the lender sets that with the 29% PITI / 41% total-debt ratios.

Common questions

USDA loans in Florida — answers to the questions buyers ask

What is the USDA loan income limit in Florida?: In most Florida counties the USDA Guaranteed Loan moderate-income limit is $122,800 for a 1-4 person household and $162,100 for a 5-8 person household, from the FY 2026 USDA table effective 07/13/2026. Higher-cost metro counties can have higher limits, so confirm the exact county row in USDA's income-limit PDF.
What is the USDA Section 502 Direct loan income limit in Florida?: The Direct loan uses lower income limits than the Guaranteed program on this page. Section 502 Direct is reserved for low-income (at or below 80% of area median income) and very-low-income (at or below 50% of AMI) Florida households, versus the moderate-income 115%-of-AMI ceiling that produces the $122,800 / $162,100 Guaranteed figures. USDA funds the Direct loan itself and can add a payment-assistance subsidy. Look up the exact Florida county Direct income limit on USDA's eligibility portal under "Single Family Housing Direct."
Which areas of Florida are USDA eligible?: Florida's interior — the Panhandle, the Big Bend, and the agricultural counties around Lake Okeechobee — stays USDA-eligible even as the coastal metros are excluded. The largest urbanized cities — Jacksonville, Miami, Tampa and Orlando — and their immediate suburbs are excluded from the USDA Section 502 Guaranteed Loan eligible-area map, while the surrounding smaller communities generally remain eligible. Always confirm a specific address, because boundaries can run mid-street.
Is the USDA income limit the most I can borrow in Florida?: No. The income limit only screens whether your household is eligible for the program. The loan amount is set separately by a USDA-approved lender using repayment income and the 29% PITI / 41% total-debt ratio guidelines; USDA sets no maximum loan amount.
Do you need a down payment for a USDA loan in Florida?: No. The USDA Section 502 Guaranteed Loan finances 100% of the appraised value with no down payment, making it one of the only true zero-down mortgages available to Florida buyers who meet the eligible-area and income tests. A 1.00% upfront guarantee fee can be rolled into the loan and a 0.35% annual fee is spread across the monthly payment, so out-of-pocket cash at closing can be limited to a deposit and closing costs.
Is a specific Florida town or suburb USDA eligible?: USDA eligibility is decided address by address, but as a rule the small Florida cities well under USDA's 35,000-person rural-area population ceiling and outside Jacksonville, Miami, Tampa and Orlando sit inside the USDA Section 502 eligible-area map — Sebring, Wauchula, Live Oak and Lake City are representative examples (each is a rural Florida city under 35,000 residents at the 2020 Census). A ZIP or town name is only a starting point because boundaries can run mid-street, so enter the exact street address in the precheck to confirm.
Is the Lake County commuter belt USDA eligible?: Partly. On 2026-07-31, 3 of 6 points sampled inside the Lake County commuter belt (Lake County) fell outside USDA's published ineligible-area layer — so about half of the Lake County commuter belt reads as USDA-eligible area, but not all of it. Clermont, Mount Dora and Eustis returned inside the ineligible area; Groveland, Mascotte and Tavares returned outside it. Because the line runs through the town itself, a ZIP or town name cannot answer this: run the exact street address.
Is Orlando USDA eligible?: No. Orlando itself is an excluded urbanized core: every point sampled inside the city on 2026-07-31 fell inside USDA's ineligible-area layer. The USDA-eligible ground near Orlando starts in the commuter belt — the Lake County commuter belt, Dade City, Haines City and Lake Wales all returned at least partly outside the ineligible area on the same sample. Boundaries can run mid-street, so confirm the specific address.

Primary sources

Verified USDA sources for Florida

USDA Single Family Housing income limits (HB-1-3555 Appendix 5, FY 2026 PN 657) — FloridaDate retrieved: 2026-07-18
USDA Rural Development Eligibility portal (property area)Date retrieved: 2026-06-26
USDA Eligibility MapServer ineligible-area layer — Orlando boundary sampleDate retrieved: 2026-07-31
USDA Rural Development state offices (find the Florida office)Date retrieved: 2026-06-26
U.S. Census Bureau QuickFacts (2020 Census place populations)Date retrieved: 2026-07-12
U.S. Census Bureau TIGERweb — 2025 Florida incorporated-place internal pointsDate retrieved: 2026-07-31
USDA Single Family Housing Guaranteed Loan ProgramDate retrieved: 2026-06-26
USDA Single Family Housing Direct Home Loans (Section 502 Direct)Date retrieved: 2026-07-15

Related checks

Pair the Florida income figures with the live address precheck and the national income-limit reference, then use the regional links to compare nearby state limits.

USDA income limits by state and county Check a property address USDA income eligibility map Georgia USDA eligibility map USDA loans in Georgia USDA loans in Hawaii All states

Sources

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

This is an independent planning aid, not a USDA determination. USDA Rural Development indicates whether an address sits in an eligible area as of the check date; USDA and a USDA-approved lender make the final property and income eligibility decision in Florida.