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2019 USDA Income Limits have been increased!!

July 26th, 2019 by usdaadmin

While many know that it is possible to make too much money for a USDA loan, what they don’t realize is just how high 2019 USDA income limits actually are!2019 USDA Income Limits

USDA recently announced an increase to their household income limits for the Single Family Housing Guaranteed Loan Program.

As you will see in today’s video, the USDA income limit increase can help both homebuyers trying to qualify immediately and also benefit families who are trying to increase their maximum USDA qualifying sales price.

Also, if you have not yet done so, please download our USDA Blueprint for Success by clicking the image below. This complimentary guide breaks down the USDA process step by step, and is a great educational resource for the home buying process!

What are the 2019 USDA income limits?

A key part of USDA Loan eligibility involves determining if your household income will meet the 2019 USDA income limits which is also known as “Annual Income”.

This will include all household members – NOT just those who are on the loan. UndersFlorida USDA Income Limits have been increasedtanding your applicable county income limit is a critical step towards USDA qualifying.

Today, we will use the income limits published for Florida as an example to show how the recent USDA income limits have changed.  Effective 7/22/19 the following USDA income limits apply for non-high cost counties:

1-4 person household: Increased from $82,700 to $86,850
5-8 person household: Increased from $109,150 to $114,650

Examples of non-high cost Florida USDA counties include: Citrus, Hernando, Highlands, Hillsborough, Marion, Okeechobee, Sumter, and more.

In addition, certain counties are considered high cost which allows for increased limits and an example of such would be Collier County, FL (Naples).

For your convenience, I have included a link below to check current USDA income limits:   USDA INCOME LIMITS


  1. Never assume that your income is either eligible or ineligible for a USDA loan
  2. Additional factors may apply, and as your USDA mortgage professional we are here to help with the calculations

If you are a Realtor or a Home Buyer who had a previous situation where a loan was denied due to the income limitations in place, contact us today so we can put the pen to the paper and start reviewing.

Remember, not all lenders have experience with processing and closing USDA loans.  I see this each and every day on the 2nd opinions that come across my desk.

As an approved USDA lender, we are known for our program expertise and have specific systems in place to process USDA loans from pre-qualification to closing.

Just call or email if you have any USDA qualifying questions, want to discuss a new scenario, or would just like to take advantage of our free 2nd opinion service which is great for those existing transactions.

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