Call to get Pre-Qualified: 800-806-9836 x280
USDA Loan Pro Logo
USDA Vendor Logo Florida USDA No #1 Lender

Updated USDA Loan Income Limits for 2022 in Florida, Texas, Tennessee and Alabama

June 10th, 2022 by usdaadmin

Updated USDA Loan Income Limits for 2022 have arrived!

What are the updated USDA Loan Income Limits for 2022 in Florida, Texas, Tennessee, and Alabama?

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 USDA loan income limits are for 2022!USDA loan income limits have increased!

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 those families who are trying to increase their maximum USDA qualifying sales price.

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 homebuyers and realtors alike.

What are the updated loan income limits for 2022 in Florida, Texas, Tennessee, and Alabama?

A key part of USDA Loan eligibility involves determining if your household income will meet the 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 income limit is a critical step towards USDA qualifying.

Let’s use the income limits published for Florida as an example to show how the recent USDA income limits have changed from the previous USDA loan limits in 2021.

Effective June 8, 2022, the USDA Single Family Housing Guaranteed Loan Program has updated their income limits to the following:

  • A 1–4-person household has been increased from $91,900 up to $103,500.
  • For a 5–8-person household, this has now been increased from $121,300 all the way up to $136,600!
  • These are substantial increases that are already making an immediate impact by helping more families qualify to purchase a home in our rural areas!

In addition, certain counties will allow for increased limits above and beyond what we discussed today. An example of such would be Collier County, FL.

For your convenience, click here to check current USDA income limits.

updated USDA Loan Income Limits for 2022 in Florida, Texas, Tennessee, and AlabamaIn Summary:

  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
  3. 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. Just call or email our office 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.


As a USDA and VA Approved Lender in Florida, Tennessee, Alabama, and Texas, let our experience and expertise go to work for you

Just call, email, or text to discuss your scenario and let us show you the “Metroplex” difference!

Toll Free: (800) 806-9836 X 280

Call/Text: (863) 593-2001

Don’t forget to download our USDA Blueprint for Success with this link.

USDA Blueprint for success

back to top