Full of charming communities and a beautiful countryside, Indiana has always been a great place to live and work. And now, thanks to the Rural Development Loan Program, owning a home in this great state just got a little easier. Backed by the U.S government, a USDA Loan offers an affordable alternative to a traditional home loan.

Advantages of seeking a USDA Loan to Finance Your Indiana Property Include:

  • Finance 100% of Your Indiana Home Loan
  • Flexible Credit Guidelines
  • Low Fixed Interest Rates
  • No  Loan Amount Limitations on Indiana Property

Indiana Areas that Qualify for a USDA Loan

Remember that rural does not necessarily mean farmland. There are a number of areas located all throughout Indiana that qualify – Some of which lie just outside of areas like Fort Wayne and Indianapolis.  USDA Loan property eligibility requirements generally include communities that are outside of the city limits and have less than 20,000 people.

Because of the varying guidelines, you should never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate Finance Co. can help you determine property eligibility. Fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Indiana’s USDA Loan Income Limits by County

Consumer Real Estate Finance Co. is here to answer all your questions, including information on things like credit history and income limits.

Keep in mind that there is a maximum income limit.  Your income cannot exceed the maximum amount set for your county.  These USDA Loan income limits include:

Indiana USDA Loan Adjusted Maximum Income Limits by County
Updated 010/24/2012

STATE:INDIANA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Anderson IN MSA VERY LOW INCOME 22450 25650 28850 32050 34600 37200 39750 42300
LOW INCOME 35900 41050 46150 51300 55400 59500 63600 67700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Greene County IN HUD Metro FMR Area 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
Owen County IN HUD Metro FMR Area VERY LOW INCOME 19500 22250 25050 27800 30050 32250 34500 36700
LOW INCOME 31150 35600 40050 44500 48050 51600 55200 58750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jasper County IN HUD Metro FMR Area VERY LOW INCOME 23800 27200 30600 33950 36700 39400 42100 44850
LOW INCOME 38000 43450 48850 54300 58650 63000 67350 71700
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Columbus IN MSA VERY LOW INCOME 23900 27300 30700 34100 36850 39600 42300 45050
LOW INCOME 38200 43650 49100 54550 58900 63300 67650 72000
MOD.INC-GUAR.LOAN 78400 78400 78400 78400 103500 103500 103500 103500
Elkhart-Goshen IN MSA VERY LOW INCOME 20750 23700 26700 29650 32000 34400 36750 39150
LOW INCOME 33200 37950 42700 47450 51250 55050 58850 62650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gibson County IN HUD Metro FMR Area VERY LOW INCOME 22950 26200 29500 32750 35400 38000 40650 43250
LOW INCOME 36700 41900 47150 52400 56600 60800 65000 69150
MOD.INC-GUAR.LOAN 75350 75350 75350 75350 99450 99450 99450 99450
Fort Wayne IN MSA VERY LOW INCOME 22350 25550 28750 31900 34500 37050 39600 42150
LOW INCOME 35750 40850 45950 51050 55150 59200 63300 67400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Putnam County IN HUD Metro FMR Area VERY LOW INCOME 22100 25250 28400 31550 34100 36600 39150 41650
LOW INCOME 35350 40400 45450 50500 54550 58600 62600 66650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kokomo IN MSA VERY LOW INCOME 21750 24900 28000 31100 33600 36100 38550 41050
LOW INCOME 34850 39800 44800 49750 53750 57700 61700 65650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lafayette IN HUD Metro FMR Area VERY LOW INCOME 22100 25250 28400 31550 34100 36600 39150 41650
LOW INCOME 35350 40400 45450 50500 54550 58600 62600 66650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Washington County IN VERY LOW INCOME 18450 21100 23750 26400 28500 30600 32700 34800
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Michigan City-La PorteIN VERY LOW INCOME 21850 25000 28100 31200 33700 36200 38700 41200
LOW INCOME 34950 39900 44900 49900 53900 57900 61900 65850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Muncie IN MSA VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Terre Haute IN HUD Metro FMR Area VERY LOW INCOME 19700 22500 25300 28100 30350 32600 34850 37100
LOW INCOME 31450 35950 40450 44950 48550 52150 55750 59350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Adams County IN VERY LOW INCOME 20950 23900 26900 29900 32300 34700 37100 39450
LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Blackford County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cass County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clinton County IN VERY LOW INCOME 21400 24450 27500 30550 33000 35450 37900 40350
LOW INCOME 34250 39100 44000 48900 52800 56700 60650 64550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Crawford County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Daviess County IN 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
DeKalb County IN VERY LOW INCOME 21950 25100 28200 31350 33850 36350 38850 41400
LOW INCOME 35100 40100 45150 50150 54150 58150 62200 66200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Decatur County IN VERY LOW INCOME 19900 22750 25600 28400 30700 32950 35250 37500
LOW INCOME 31800 36350 40900 45450 49100 52700 56350 60000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dubois County IN VERY LOW INCOME 24500 28000 31500 35000 37800 40600 43400 46200
LOW INCOME 39200 44800 50400 56000 60500 64950 69450 73900
MOD.INC-GUAR.LOAN 80500 80500 80500 80500 106250 106250 106250 106250
Fayette County IN VERY LOW INCOME 19450 22250 25000 27800 30000 32250 34450 36700
LOW INCOME 31150 35600 40050 44500 48050 51600 55200 58750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fountain County IN VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fulton County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grant County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Henry County IN VERY LOW INCOME 19900 22750 25600 28400 30700 32950 35250 37500
LOW INCOME 31800 36350 40900 45450 49100 52700 56350 60000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Huntington County IN VERY LOW INCOME 20950 23900 26900 29900 32300 34700 37100 39450
LOW INCOME 33500 38300 43050 47850 51700 55500 59350 63150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County IN VERY LOW INCOME 19950 22800 25650 28450 30750 33050 35300 37600
LOW INCOME 31850 36400 40950 45500 49150 52800 56400 60050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jay County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jefferson County IN VERY LOW INCOME 19500 22250 25050 27800 30050 32250 34500 36700
LOW INCOME 31150 35600 40050 44500 48050 51600 55200 58750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jennings County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Knox County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kosciusko County IN VERY LOW INCOME 21100 24100 27100 30100 32550 34950 37350 39750
LOW INCOME 33700 38500 43350 48150 52000 55850 59700 63550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
LaGrange County IN VERY LOW INCOME 20650 23600 26550 29500 31850 34200 36600 38950
LOW INCOME 33050 37750 42500 47200 51000 54750 58550 62300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lawrence County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marshall County IN VERY LOW INCOME 21650 24750 27850 30900 33400 35850 38350 40800
LOW INCOME 34600 39550 44500 49450 53400 57350 61300 65250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Martin County IN VERY LOW INCOME 20500 23400 26350 29250 31600 33950 36300 38650
LOW INCOME 32750 37450 42100 46800 50550 54300 58050 61800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Miami County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Montgomery County IN VERY LOW INCOME 21650 24750 27850 30900 33400 35850 38350 40800
LOW INCOME 34600 39550 44500 49450 53400 57350 61300 65250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Noble County IN VERY LOW INCOME 20850 23800 26800 29750 32150 34500 36900 39250
LOW INCOME 33300 38100 42850 47600 51400 55200 59000 62850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Orange County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Parke County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Perry County IN VERY LOW INCOME 20800 23750 26700 29650 32050 34400 36800 39150
LOW INCOME 33200 37950 42700 47450 51250 55050 58850 62650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pike County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pulaski County IN VERY LOW INCOME 19800 22600 25450 28250 30550 32800 35050 37300
LOW INCOME 31650 36150 40700 45200 48800 52450 56050 59650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Randolph County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ripley County IN VERY LOW INCOME 22400 25600 28800 31950 34550 37100 39650 42200
LOW INCOME 35750 40900 46000 51100 55200 59300 63350 67450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rush County IN VERY LOW INCOME 19900 22750 25600 28400 30700 32950 35250 37500
LOW INCOME 31800 36350 40900 45450 49100 52700 56350 60000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Scott County IN VERY LOW INCOME 20350 23300 26200 29100 31450 33750 36100 38400
LOW INCOME 32600 37250 41900 46550 50300 54000 57750 61450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Spencer County IN VERY LOW INCOME 23400 26750 30100 33400 36100 38750 41450 44100
LOW INCOME 37400 42750 48100 53450 57750 62000 66300 70550
MOD.INC-GUAR.LOAN 76850 76850 76850 76850 101450 101450 101450 101450
Starke County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Steuben County IN VERY LOW INCOME 21250 24300 27350 30350 32800 35250 37650 40100
LOW INCOME 34000 38850 43700 48550 52450 56300 60200 64100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Switzerland CountyIN VERY LOW INCOME 19850 22700 25550 28350 30650 32900 35200 37450
LOW INCOME 31750 36300 40800 45350 49000 52600 56250 59850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Union County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wabash County IN 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
Warren County IN VERY LOW INCOME 21850 25000 28100 31200 33700 36200 38700 41200
LOW INCOME 34950 39900 44900 49900 53900 57900 61900 65850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wayne County IN VERY LOW INCOME 19450 22200 25000 27750 29950 32200 34400 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
White County IN VERY LOW INCOME 20550 23450 26400 29300 31650 34000 36350 38700
LOW INCOME 32850 37500 42200 46900 50650 54400 58150 61900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

Because of these sometimes detailed and overwhelming guidelines, Consumer Real Estate Finance Co. is here to guide you through the application process.  Contact us today for details or to get started with your Indiana USDA Loan application.