FHA Loan Limits and USDA Eligibility in St. Joseph County, Indiana
2026 FHA one-unit limit in St. Joseph County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $122,800. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for Indiana
USDA Property Eligibility and Income Limits Map for Indiana
St. Joseph County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 46506 | $541,287 | $122,800 |
| 46530 | $541,287 | $122,800 |
| 46536 | $541,287 | $122,800 |
| 46544 | $541,287 | $122,800 |
| 46545 | $541,287 | $122,800 |
| 46552 | $541,287 | $122,800 |
| 46554 | $541,287 | $122,800 |
| 46556 | $541,287 | $122,800 |
| 46561 | $541,287 | $122,800 |
| 46574 | $541,287 | $122,800 |
| 46595 | $541,287 | $122,800 |
| 46601 | $541,287 | $122,800 |
| 46613 | $541,287 | $122,800 |
| 46614 | $541,287 | $122,800 |
| 46615 | $541,287 | $122,800 |
| 46616 | $541,287 | $122,800 |
| 46617 | $541,287 | $122,800 |
| 46619 | $541,287 | $122,800 |
| 46624 | $541,287 | $122,800 |
| 46628 | $541,287 | $122,800 |
| 46635 | $541,287 | $122,800 |
| 46637 | $541,287 | $122,800 |
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A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific St. Joseph County address. Then they can match you if you qualify.
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