FHA Loan Limits and USDA Eligibility in Washoe County, Nevada
2026 FHA one-unit limit in Washoe County is $638,250. Two-unit is $817,050, three-unit is $987,650, and four-unit is $1,227,400. USDA 502 Guaranteed 1–4 person moderate income is $122,800 to $134,350; income can split a county, so both caps are listed. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for Nevada
USDA Property Eligibility and Income Limits Map for Nevada
Washoe 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 |
|---|---|---|
| 89402 | $638,250 | $134,350 |
| 89405 | $638,250 | $122,800 |
| 89412 | $638,250 | $122,800 to $134,350 |
| 89424 | $638,250 | $134,350 |
| 89431 | $638,250 | $134,350 |
| 89432 | $638,250 | $134,350 |
| 89433 | $638,250 | $134,350 |
| 89434 | $638,250 | $134,350 |
| 89435 | $638,250 | $134,350 |
| 89436 | $638,250 | $134,350 |
| 89439 | $638,250 | $134,350 |
| 89441 | $638,250 | $134,350 |
| 89442 | $638,250 | $134,350 |
| 89450 | $638,250 | $134,350 |
| 89451 | $638,250 | $134,350 |
| 89501 | $638,250 | $134,350 |
| 89502 | $638,250 | $134,350 |
| 89503 | $638,250 | $134,350 |
| 89504 | $638,250 | $134,350 |
| 89505 | $638,250 | $134,350 |
| 89506 | $638,250 | $134,350 |
| 89507 | $638,250 | $134,350 |
| 89508 | $638,250 | $134,350 |
| 89509 | $638,250 | $134,350 |
| 89510 | $638,250 | $134,350 |
| 89511 | $638,250 | $134,350 |
| 89512 | $638,250 | $134,350 |
| 89513 | $638,250 | $134,350 |
| 89515 | $638,250 | $134,350 |
| 89519 | $638,250 | $134,350 |
| 89521 | $638,250 | $134,350 |
| 89523 | $638,250 | $134,350 |
| 89557 | $638,250 | $134,350 |
| 89595 | $638,250 | $134,350 |
| 89599 | $638,250 | $134,350 |
| 89704 | $638,250 | $134,350 |
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A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Washoe County address. Then they can match you if you qualify.
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