What are USDA loan income limits?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
USDA income limits are set by county and household size, generally allowing up to 115% of the area median income. Many Florida counties cap a typical household around the low-to-mid $100,000s.
Certain deductions for dependents and childcare can lower your countable income. We'll check your county's exact limit and whether your household qualifies.
Limits by county and household
USDA loans cap your household income to keep the program aimed at low-to-moderate earners. The limit varies by county and household size, and it counts everyone living in the home.
In many Florida counties, the limit for a family of four exceeds $110,000, so more buyers qualify than expect to.
What counts as income
USDA counts the income of all adult household members, not just the borrowers. Certain deductions for children and childcare can lower your counted income.
We calculate your household income against the limit. Apply now and we will confirm you qualify.