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Metropolitan Statistical Area (MSA)

A Census geography: a core urban area of at least 50,000 people plus the surrounding counties tied to it by commuting. USDA sets guaranteed-loan income limits by MSA (and by HUD Metro FMR Area or county where there is no metro). Because ZIP codes can cross MSA lines, a single ZIP may list more than one limit.

Check USDA income limits by ZIP MSAs at Census.gov