Income Limits For A USDA Loan | USDA Loan Income Limits

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Income Limits For A USDA Loan

The income limits for a USDA loan determine the maximum limit of money a household can make and still obtain a USDA loan. This calculation is based on everyone living in the house not just who is on the loan. There are no exceptions and this limit is not flexable. 

usda loan income limit

There are two numbers set for each county the first is a 1-4 person household and the second is for more than 5 people living in the home. 


There are several things that can be deducted from household income to qualify for a USDA loan. 

You can deduct $480 for every qualified dependant such as a member of the household who is 17 or younger, an individual with a disability or a full time student. YOu can also deduct $400 if there is one or more elderly persons living in the household.

You can deduct child care, medical expenses over 3% and the third is medical expenses for elderly persons. income limits for a USDA loan

USDA Loan Income Limits 443-624-9398 Learn how the income limits are calculated and what you need to know about USDA income limits and how it affects your ability to get a USDA loan. 

If you are looking for a USDA loan I would love to be your lender please feel free to call me directly or visit my website

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Comments (2)

Lori Kellett
Kondaur Capital Corporation - Orange, CA
Loan Officer

This is interesting program I admit. I have gone onto the site and always wanted to know which counties were considered rural especially in California and unless I have an address which makes it difficult to find out before hand.  I know there is a way, the USDA representative at the wholesale lender usually goes over this with me.  Maybe in a new Blog a borrower can figure out finding a property in a rural area...I think I found a print out for the specific counties and areas in the state of California.  Great program and interesting. Thanks for the post. !

Dec 28, 2013 06:04 PM
Brian & Val Mayer
RE/Max One | Sellers Agent - Huntingtown, MD
Listing Specialist | Realtor in Calvert County MD

Lori you can search all the maps in the US usda maps

Jan 05, 2014 12:04 PM