FHA Loan Limits and USDA Eligibility in St. Joseph County, Michigan

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 Michigan

Michigan one-unit limits:
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for Michigan

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EligibleIneligibleUSDA ineligible boundary

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.

ZIPFHA one-unit loan limitUSDA 1–4 person moderate income
49030$541,287$122,800
49032$541,287$122,800
49040$541,287$122,800
49042$541,287$122,800
49066$541,287$122,800
49067$541,287$122,800
49072$541,287$122,800
49075$541,287$122,800
49091$541,287$122,800
49093$541,287$122,800
49099$541,287$122,800

FAQ for St. Joseph County

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