BREAKING NEWS: 2025-2026 USDA Income Limits Have Increased!
USDA Income Guidelines: 2025-2026 USDA Income Limits Have Increased! What This Means for Homebuyers in Florida, Texas, Tennessee, and Alabama!
We recently discussed USDA Income Eligibility Requirements and explained the difference between annual income vs. repayment income. In Part 2 of this series on USDA income eligibility, I will provide an overview of the updated USDA income limits and discuss how it can increase homebuyer eligibility.
While many of you know that it is possible to make too much money for a USDA loan, what you might not realize is just how much USDA income limits have increased!
Effective, June 18, 2025, USDA announced an increase to their 2025-2026 USDA income limits for the Single-Family Housing Guaranteed Loan Program.
If you have not already done so, be sure to download our FREE USDA Blueprint for Success. This educational resource is designed to help walk you through the USDA process step-by-step and is designed for both homebuyers and Realtors alike.
BREAKING NEWS: 2025-2026 USDA Income Limits Have Increased!
It is important to remember that USDA income limits vary based on the county that the property is located in as well as the number of individuals living in the household.
A key part of USDA income eligibility involves determining if your household income will meet USDA income limits which is also known as “Annual Income.”
This will include all household members and NOT just those who are on the loan. Understanding your applicable county USDA income limit is a critical step towards USDA income eligibility.
What Are the Updated USDA income Limits?
Just how much have the 2025 – 2026 USDA income limits changed? As an example, let’s take a look at Florida USDA Income Limits:
Effective June 18, 2025, the USDA Single Family Housing Guaranteed Loan Program has updat
ed their USDA income limits to the following:
- For the majority of counties, a one to four person household has been increased from $112,450 to $119,850.
- For a 5–8-person household, this has now been increased from $148,450 all the way up to $158,250!
When comparing 2024 vs. 2025 USDA Income Limits, you can see that these are extremely healthy USDA income limit increases which have the immediate impact of helping more families qualify and a larger sales price range to choose from.
Additionally, certain counties will allow for even higher USDA income limits such as Collier and Sarasota. These may be commonly referred to as high cost counties.
How This Impacts Homebuyers
These are substantial increases that are already making an immediate impact by helping more families qualify to purchase a home in our rural areas!
For your convenience, click here for a comprehensive list of all updated 2025-2026 USDA income limits.
In Summary:
- Never assume that your income is either eligible or ineligible for a USDA loan.
- Additional factors may apply! As your USDA mortgage professionals, we are here to help with the calculations.
- If you are a realtor or homebuyer who had a previous situation where a loan was denied due to USDA income limits, contact us today and take advantage of our FREE Second Opinion Service.
As a VA, FHA, and USDA Approved Lender in Florida, Tennessee, Alabama, and Texas, let our experience and expertise go to work for you!
Remember, not all lenders have experience with processing and closing USDA loans. Just call, text, or email to discuss a new scenario, and let us show you the “Metroplex” difference!
Toll Free: (800) 806-9836 X 280
Call/Text: (863) 593-2001
SeanS@MPLX.org
Don’t forget to download our USDA Blueprint for Success with this link.
