USDA Income Limits 2026
Compare income with USDA’s July 13, 2026 Single Family Housing direct and guaranteed loan limits.
Income is only one USDA test
The property must be in an eligible rural area. USDA also verifies adjusted annual income, household deductions, citizenship or eligible noncitizen status, credit, repayment ability and program-specific requirements.
Frequently asked questions
Which USDA income limit applies to a guaranteed loan?
Use the Moderate Income — Guaranteed Loan limit for the USDA Single Family Housing Guaranteed Loan Program.
Which limit applies to a Section 502 Direct Loan?
USDA Direct Loans serve low- and very-low-income applicants. The relevant category depends on the official application and payment-assistance calculation.
Is household size calculated one person at a time?
The published USDA single-family table uses one limit for households of 1–4 and another for 5–8. Above eight, add 8% of the four-person limit per extra person.
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