USDA household income generally cannot exceed about 115% of area median income — and that cap varies by county and household size. All adult household members’ income counts, not just the borrowers on the loan.
The limit is not one national number — it is calculated locally and updated every year.
USDA looks at total household income — not just what appears on the loan application. Here is what typically gets included.
USDA uses annualized household income with specific adjustments. Some deductions and exclusions may apply depending on your file.
Being above the USDA cap is not the end of the road — it just means a different program may fit better right now.
Related guides to help you compare options and move toward pre-approval.
Credit, occupancy, eligible areas, and the full qualification picture.
Score tiers, overlays, and tips to strengthen your file.
Requirements, calculator, and program details.
No income cap — compare FHA when USDA limits do not fit.
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We will look up your county limit, count household income correctly, and map the best program for your file.