From Hattiesburg to Jackson, there are a number of affordable, not to mention beautiful homes located all across the great state of Mississippi. Better yet, thanks to the USDA Loan Program, the possibility of buying one of these homes just got easier.

With the help from the USDA Loan Program (Also Referred to as the Rural Development Loan Program), many home buyers in Mississippi may qualify for a home loan that offers:

  • Fixed Interest Rates
  • No Maximum Loan Amount
  • Flexible Credit Guidelines for Mississippi Residents
  • NO PMI and No Money Down

Mississippi Areas that Qualify for Rural Development Loans

The term “Rural Development Loan” can be somewhat misleading. This is why the experts here at Consumer Real Estate Finance Co. want to emphasize that USDA Home Loans are not just for Mississippi farmland. Instead, a great number of areas located all throughout this majestic state are USDA loan eligible. A good rule of thumb is to focus on communities that are located outside of major metropolitan area limits and have less than 20,000 residents.

Because of the varying property eligibility requirements, you should never assume that your Mississippi area does not qualify for a USDA Loan. For answers to your questions, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Mississippi’s USDA Loan Income Limits by County

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

Mississippi USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

STATE:MISSISSIPPI PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Gulfport-Biloxi MS MSA VERY LOW INCOME 19200 21950 24700 27400 29600 31800 34000 36200
LOW INCOME 30700 35100 39450 43850 47350 50850 54350 57900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hattiesburg MS MSA VERY LOW INCOME 18450 21100 23750 26350 28500 30600 32700 34800
LOW INCOME 29500 33700 37950 42150 45500 48900 52250 55650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Simpson County MS HUD VERY LOW INCOME 16250 18550 20850 23150 25050 26900 28750 30600
LOW INCOME 25950 29650 33350 37050 40000 43000 45950 48900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Memphis TN-MS-AR HUD Metro FMR Area VERY LOW INCOME 20700 23650 26600 29550 31950 34300 36650 39050
LOW INCOME 33100 37850 42550 47300 51100 54850 58650 62450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tate County MS HUD Metro FMR Area VERY LOW INCOME 18350 21000 23600 26200 28300 30400 32500 34600
LOW INCOME 29350 33500 37700 41900 45250 48600 51950 55300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pascagoula MS 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
Adams County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Alcorn County MS VERY LOW INCOME 16450 18800 21150 23500 25400 27300 29150 31050
LOW INCOME 26300 30100 33850 37600 40600 43600 46600 49650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Amite County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Attala County MS VERY LOW INCOME 15050 17200 19350 21500 23250 24950 26700 28400
LOW INCOME 24100 27500 30950 34400 37150 39900 42650 45400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Benton County MS VERY LOW INCOME 15000 17150 19300 21400 23150 24850 26550 28250
LOW INCOME 24000 27400 30850 34250 37000 39750 42450 45200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bolivar County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Calhoun County MS VERY LOW INCOME 15250 17400 19600 21750 23500 25250 27000 28750
LOW INCOME 24350 27850 31300 34800 37600 40350 43150 45950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carroll County MS VERY LOW INCOME 16650 19000 21400 23750 25650 27550 29450 31350
LOW INCOME 26600 30400 34200 38000 41050 44100 47100 50150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Chickasaw County MS VERY LOW INCOME 15800 18050 20300 22550 24400 26200 28000 29800
LOW INCOME 25250 28900 32500 36100 39000 41900 44750 47650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Choctaw County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Claiborne County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clarke County MS VERY LOW INCOME 14950 17100 19250 21350 23100 24800 26500 28200
LOW INCOME 23900 27300 30750 34150 36900 39600 42350 45100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clay County MS VERY LOW INCOME 15700 17950 20200 22400 24200 26000 27800 29600
LOW INCOME 25100 28700 32250 35850 38700 41600 44450 47300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Coahoma County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Covington County MS VERY LOW INCOME 15550 17750 19950 22150 23950 25700 27500 29250
LOW INCOME 24800 28350 31900 35450 38300 41100 43950 46800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Franklin County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Greene County MS VERY LOW INCOME 16800 19200 21600 24000 25950 27850 29800 31700
LOW INCOME 26900 30700 34550 38400 41450 44550 47600 50700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grenada County MS VERY LOW INCOME 15900 18200 20450 22700 24550 26350 28150 30000
LOW INCOME 25400 29050 32650 36300 39200 42100 45000 47900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Holmes County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Humphreys County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Issaquena County MS VERY LOW INCOME 15450 17650 19850 22050 23850 25600 27350 29150
LOW INCOME 24700 28250 31750 35300 38100 40950 43750 46600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Itawamba County MS VERY LOW INCOME 17050 19500 21950 24350 26300 28250 30200 32150
LOW INCOME 27250 31150 35050 38950 42050 45200 48300 51400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jasper County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jefferson County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jefferson Davis CountyMS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jones County MS VERY LOW INCOME 15450 17650 19850 22050 23850 25600 27350 29150
LOW INCOME 24700 28250 31750 35300 38100 40950 43750 46600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kemper County MS VERY LOW INCOME 16000 18250 20550 22800 24650 26450 28300 30100
LOW INCOME 25550 29200 32850 36500 39400 42350 45250 48200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lafayette County MS VERY LOW INCOME 22800 26050 29300 32550 35200 37800 40400 43000
LOW INCOME 36450 41700 46900 52100 56250 60450 64600 68750
MOD.INC-GUAR.LOAN 74900 74900 74900 74900 98850 98850 98850 98850
Lauderdale County MS VERY LOW INCOME 17000 19400 21850 24250 26200 28150 30100 32050
LOW INCOME 27150 31050 34900 38800 41900 45000 48100 51200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lawrence County MS VERY LOW INCOME 17400 19900 22400 24850 26850 28850 30850 32850
LOW INCOME 27850 31800 35800 39750 42950 46100 49300 52450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Leake County MS VERY LOW INCOME 15900 18200 20450 22700 24550 26350 28150 30000
LOW INCOME 25400 29050 32650 36300 39200 42100 45000 47900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lee County MS VERY LOW INCOME 19300 22050 24800 27550 29800 32000 34200 36400
LOW INCOME 30850 35300 39700 44100 47650 51150 54700 58200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Leflore County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lincoln County MS VERY LOW INCOME 16600 18950 21300 23650 25550 27450 29350 31250
LOW INCOME 26500 30300 34050 37850 40900 43900 46950 49950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lowndes County MS VERY LOW INCOME 17950 20500 23050 25600 27650 29700 31750 33800
LOW INCOME 28650 32750 36850 40950 44250 47500 50800 54050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marion County MS VERY LOW INCOME 15950 18200 20500 22750 24600 26400 28250 30050
LOW INCOME 25500 29100 32750 36400 39300 42200 45150 48050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Monroe County MS VERY LOW INCOME 16000 18300 20600 22850 24700 26550 28350 30200
LOW INCOME 25600 29250 32900 36550 39450 42400 45300 48250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Montgomery CountyMS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Neshoba County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Newton County MS VERY LOW INCOME 16300 18600 20950 23250 25150 27000 28850 30700
LOW INCOME 26050 29750 33500 37200 40200 43150 46150 49100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Noxubee County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Oktibbeha County MS VERY LOW INCOME 18450 21100 23750 26350 28500 30600 32700 34800
LOW INCOME 29500 33700 37950 42150 45500 48900 52250 55650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Panola County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pearl River County MS VERY LOW INCOME 18050 20600 23200 25750 27850 29900 31950 34000
LOW INCOME 28850 32950 37100 41200 44500 47800 51100 54400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pike County MS VERY LOW INCOME 15450 17650 19850 22050 23850 25600 27350 29150
LOW INCOME 24700 28250 31750 35300 38100 40950 43750 46600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pontotoc County MS VERY LOW INCOME 17800 20350 22900 25400 27450 29500 31500 33550
LOW INCOME 28450 32500 36600 40650 43900 47150 50400 53650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Prentiss County MS VERY LOW INCOME 15550 17800 20000 22200 24000 25800 27550 29350
LOW INCOME 24850 28400 31950 35500 38350 41200 44000 46850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Quitman County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Scott County MS VERY LOW INCOME 15200 17400 19550 21700 23450 25200 26950 28650
LOW INCOME 24300 27750 31250 34700 37500 40250 43050 45800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sharkey County MS VERY LOW INCOME 15000 17150 19300 21400 23150 24850 26550 28250
LOW INCOME 24000 27400 30850 34250 37000 39750 42450 45200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Smith County MS VERY LOW INCOME 16750 19150 21550 23900 25850 27750 29650 31550
LOW INCOME 26800 30600 34450 38250 41300 44350 47450 50500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sunflower County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tallahatchie CountyMS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tippah County MS VERY LOW INCOME 15300 17500 19700 21850 23600 25350 27100 28850
LOW INCOME 24450 27950 31450 34950 37750 40550 43350 46150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tishomingo County MS VERY LOW INCOME 15200 17400 19550 21700 23450 25200 26950 28650
LOW INCOME 24300 27750 31250 34700 37500 40250 43050 45800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Union County MS VERY LOW INCOME 17200 19650 22100 24550 26550 28500 30450 32450
LOW INCOME 27500 31450 35350 39300 42450 45600 48750 51900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Walthall County MS VERY LOW INCOME 15450 17650 19850 22050 23850 25600 27350 29150
LOW INCOME 24700 28250 31750 35300 38100 40950 43750 46600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Warren County MS 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
Washington County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wayne County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Webster County MS VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wilkinson County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Winston County MS VERY LOW INCOME 15400 17600 19800 21950 23750 25500 27250 29000
LOW INCOME 24550 28100 31600 35100 37900 40700 43500 46350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Yalobusha County MS VERY LOW INCOME 15450 17650 19850 22050 23850 25600 27350 29150
LOW INCOME 24700 28250 31750 35300 38100 40950 43750 46600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Yazoo County MS VERY LOW INCOME 14900 17000 19150 21250 22950 24650 26350 28050
LOW INCOME 23800 27200 30600 34000 36700 39450 42150 44900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

Do you want more information? Learn more about Rural Development Loans in Mississippi by contacting Consumer Real Estate Finance Co. today!