USDA Loan Income Limits by ZIP Code
Enter the property ZIP you're looking to buy in to view 1–4 and 5–8 person household income limits for the USDA Guaranteed Loan Program. USDA loans offer $0 down for qualifying borrowers. Data from USDA and Census Bureau.
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How These Limits Work
Limits are based on 115% of area median income, with a $119,850 floor. They apply to the property ZIP you're buying in—not your current address.
Data is sourced from the USDA Rural Development Single Family Housing Guaranteed Loan Program. See the income limits PDF and area definitions PDF.
Income eligibility is the #1 reason USDA applications are denied. A certified broker can apply "Adjusted Annual Income" rules to ensure you qualify even if your gross pay is over the limit.
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