For the residents of Idaho, the USDA Loan Program is helping to make many of their dreams of home ownership become a reality. Backed by the United States Department of Agriculture and offering a practical alternative to the traditional home loan, advantages of these Idaho Rural Development Loans include:

  • 100% Financing up to the appraised value
  • NO private Idaho mortgage insurance
  • Flexible Idaho credit qualifications
  • No  Idaho loan amount limitations

Idaho Areas that Qualify for a USDA Loan

The problem that the USDA Loan program faces is the misnomer that it has something to do with agriculture. In truth, USDA Loans were simply created to help build many of the country’s less populated areas. This includes many Idaho communities that lie just outside of major metropolitan areas.

To qualify the community must:

  • Lie outside city limits
  • Have a population of less than 20,000 people.
Because of the diversity in Idaho communities that are USDA Loan eligible, you should never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate Finance Co. are here to help. For more information, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Idaho’s USDA Loan Income Limits By County

When applying for a USDA or Rural Development Loan, Idaho Residents must meet a few requirements. One of these is maximum income limits. If the property is located within an eligible area, your income cannot exceed the current yearly income limit set for that county.

STATE:IDAHO PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Gem County ID HUD Metro FMR Area VERY LOW INCOME 18600 21250 23900 26550 28700 30800 32950 35050
LOW INCOME 29750 34000 38250 42500 45900 49300 52700 56100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Coeur d'Alene ID MSA VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Idaho Falls ID MSA VERY LOW INCOME 21450 24500 27550 30600 33050 35500 37950 40400
LOW INCOME 34250 39150 44050 48950 52850 56800 60700 64600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lewiston ID-WA MSA VERY LOW INCOME 20200 23100 26000 28850 31200 33500 35800 38100
LOW INCOME 32300 36900 41550 46150 49850 53550 57250 60900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Logan UT-ID MSA VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pocatello ID MSA VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Adams County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bear Lake County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Benewah County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bingham County ID VERY LOW INCOME 19650 22450 25250 28050 30300 32550 34800 37050
LOW INCOME 31450 35900 40400 44900 48500 52100 55700 59250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Blaine County ID VERY LOW INCOME 28250 32250 36300 40300 43550 46750 50000 53200
LOW INCOME 44750 51100 57500 63900 69000 74100 79250 84350
MOD.INC-GUAR.LOAN 91850 91850 91850 91850 121250 121250 121250 121250
Bonner County ID VERY LOW INCOME 19600 22400 25200 28000 30250 32500 34750 37000
LOW INCOME 31350 35850 40300 44800 48400 51950 55550 59150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Boundary County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Butte County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Camas County ID VERY LOW INCOME 18900 21600 24300 26950 29150 31300 33450 35600
LOW INCOME 30150 34500 38800 43100 46550 50000 53450 56900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Caribou County ID VERY LOW INCOME 20950 23950 26950 29900 32300 34700 37100 39500
LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cassia County ID VERY LOW INCOME 18400 21000 23650 26250 28350 30450 32550 34650
LOW INCOME 29400 33600 37800 42000 45350 48700 52100 55450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clark County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clearwater CountyID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Custer County ID VERY LOW INCOME 21800 24900 28000 31100 33600 36100 38600 41100
LOW INCOME 34850 39800 44800 49750 53750 57700 61700 65650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Elmore County ID VERY LOW INCOME 18900 21600 24300 27000 29200 31350 33500 35650
LOW INCOME 30250 34550 38900 43200 46650 50100 53550 57000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fremont County ID VERY LOW INCOME 19550 22350 25150 27900 30150 32400 34600 36850
LOW INCOME 31250 35700 40200 44650 48200 51800 55350 58950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gooding County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Idaho County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jerome County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Latah County ID VERY LOW INCOME 20950 23950 26950 29900 32300 34700 37100 39500
LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lemhi County ID VERY LOW INCOME 19000 21700 24400 27100 29300 31450 33650 35800
LOW INCOME 30350 34700 39000 43350 46800 50300 53750 57200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lewis County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lincoln County ID VERY LOW INCOME 18800 21500 24200 26850 29000 31150 33300 35450
LOW INCOME 30050 34350 38650 42950 46400 49800 53250 56700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Madison County ID VERY LOW INCOME 18500 21100 23750 26400 28500 30600 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Minidoka County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Oneida County ID VERY LOW INCOME 20000 22850 25700 28550 30850 33150 35450 37700
LOW INCOME 32000 36550 41150 45700 49350 53000 56650 60300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Payette County ID VERY LOW INCOME 19050 21800 24500 27200 29400 31600 33750 35950
LOW INCOME 30450 34800 39150 43500 47000 50450 53950 57400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Shoshone County ID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Teton County ID VERY LOW INCOME 21150 24200 27200 30200 32650 35050 37450 39900
LOW INCOME 33800 38650 43450 48300 52150 56050 59900 63750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Twin Falls CountyID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Valley County ID VERY LOW INCOME 23350 26650 30000 33300 36000 38650 41300 44000
LOW INCOME 37300 42650 47950 53300 57550 61850 66100 70350
MOD.INC-GUAR.LOAN 76600 76600 76600 76600 101100 101100 101100 101100
Washington CountyID VERY LOW INCOME 18350 20950 23550 26150 28250 30350 32450 34550
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

Looking for more information? Learn more about Rural Development Loans in Idaho by contacting Consumer Real Estate Finance Co. today!