The 2023 limit for 5-8 member households is $136,600, up from $121,300.

The United States Department of Agriculture (USDA) offers a variety of home loan programs to help low- and moderate-income borrowers purchase homes in rural areas. One of the most popular USDA home loan programs is the Single Family Housing Guaranteed Loan Program.

To be eligible for a USDA home loan, your household income must not exceed the local USDA income limits. The income limits are based on the size of your household and the county in which you plan to buy a home.

2023 USDA Loan Income Limits

The standard USDA loan income limits for 2023 are as follows:

  • For a 1-4 member household: $103,500
  • For a 5-8 member household: $136,600

County-Specific Income Limits

In some counties, the USDA income limits may be higher to account for the higher cost of living. You can find the county-specific income limits for your area by using the USDA’s Income Eligibility Tool:

Other USDA Home Loan Eligibility Requirements

In addition to meeting the income limits, you must also meet other eligibility requirements to qualify for a USDA home loan. These requirements include:

  • You must be a U.S. citizen or permanent resident.
  • You must have a credit score of at least 640.
  • You must have a down payment of at least 3%.
  • You must be able to afford the monthly mortgage payments.

Benefits of USDA Home Loans

USDA home loans offer a number of benefits, including:

  • Low down payment requirements
  • No private mortgage insurance (PMI)
  • Competitive interest rates
  • Flexible credit score requirements

If you are a low- or moderate-income borrower who is looking to purchase a home in a rural area, a USDA home loan may be a good option for you. To learn more about USDA home loans and to see if you are eligible, contact a USDA-approved lender.


What are the USDA income limits for 2023?

The USDA income limits for 2023 are based on the size of your household and the location of the property you want to purchase. For a 1-4 member household, the standard USDA loan income limit is $103,500. The limit for a 5-8 member household is $136,600.

How do I find my USDA income limit?

You can find your USDA income limit by visiting the USDA’s website and entering your zip code. The website will also show you the income limits for other USDA home loan programs, such as the Section 504 loan program.

How do I apply for a USDA home loan?

You can apply for a USDA home loan through a participating lender. The lender will help you determine if you are eligible for the loan and will walk you through the application process.