How Much Money Is Too Much Money To Qualify For A USDA Loan In Arizona?

Education & Training

Do You Make Too Much Money To Qualify For A USDA Loan In Arizona?


While the USDA Loan does not have a maximum loan size they do have a maximum qualifying income limit.

People ask me all the time, what are the income limits for the USDA Loan.  So let’s take a moment and define really quickly what an income limit is.  The USDA defines income limit as the Adjusted Household Annual income, that's it.

Did you catch that?  There is an important point there that many people naturally overlook, it’s the Household Annual Income.

What that means is that the USDA Loan Program will look at the total income coming into the household over the entire year.  If you have a son or daughter or parent, friend or spouse living in the household that will not be on the loan; their annual income will count against the limit.

What are the income limits based on for USDA Loans?

They are based on geographic region and number of people in the household.  The different groupings are 1-4 people, 5-8 people and any number over 9.

The majority of Arizona has a USDA Loan Income limit of $74,050 for a 1-4 person household.  For the 5-8 person household the income limit is generally $97,750.  However certain areas allow up to $76,600 for the 1-4 person household and up to $101,100 for the 5-8 person household.

You can find the most current chart of income limits on my USDA Loan Income Limits post.  Just select the category, INCOME QUALIFYING and you’ll get the charts as well as information on allowable deductions.

I hope you found this Arizona Home Loan tip useful and would love to hear your comments.

To find out if you qualify for a USDA Loan call (520) 225-0380 or click on the Get Started on USDA tab at and ask a question if you like.  If you want to go ahead and get your application in, you can fill out my Arizona Home Loan Application Online here.


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