USDA Rural Development Income Limits 2026
2026 USDA Income Limits: Updated Effective July 13, 2026
USDA Announces New 2026 Income Limits
The U.S. Department of Agriculture (USDA) has announced updated household income limits for USDA Guaranteed Loans that became effective July 13, 2026. These updated limits determine eligibility for borrowers using the USDA Single Family Housing Guaranteed Loan Program.
USDA Rural Development is typically the best home loan option for first time buyers that are not military veterans, assuming the property is in an eligible rural area. USDA RD loans even offer 100 financing with no down payment. Learn more about USDA loans here.
For most counties nationwide, the new base income limits are:
| Household Size | 2026 Income Limit |
|---|---|
| 1–4 People | $122,800 |
| 5–8 People | $162,100 |
Income limits may be higher in designated high-cost areas. Always verify your county’s income limit before applying.
Frequently Asked Questions
What are the USDA income limits for 2026?
Effective July 13, 2026, the standard USDA household income limits are:
- 1–4 person household: $122,800
- 5–8 person household: $162,100
Some counties have higher limits based on local median household income.
Do USDA income limits vary by county?
Yes. While many counties use the standard limits above, higher-cost areas may have increased income limits. Your loan officer can help determine the correct limit for your county.
Is USDA household income different than borrower income?
Yes. USDA considers total adjusted household income, not just the income of the borrower(s) on the loan. Income from other adult household members may also be included when determining eligibility.