Are USDA Loans, or Rural Development Loans, only available for low income borrowers?

The ultimate answer is no and that you can exceed the median income of the county and still qualify.

There are income limits for USDA Loan borrowers.  However, these income limits are set to accommodate low-to-moderate income levels.

These income limitations are based on family size, and vary by State and County.  In most cases, applicants for the loans may have an income of up to 115% of the median income for the area.

To find out what the Maximum USDA Loan income limits are for your area, contact the USDA Loan Agency or fill out the contact form on this page.