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, USDA Loans offer 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 for USDA Eligibility.  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

Quick Scroll
STATE:INDIANA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Bloomington, IN HUD Metro FMR Area
VERY LOW INCOME 34750 34750 34750 34750 45900 45900 45900 45900
Apply Now LOW INCOME 55600 55600 55600 55600 73400 73400 73400 73400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Owen County, IN HUD Metro FMR Area
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gary, IN HUD Metro FMR Area
VERY LOW INCOME 34550 34550 34550 34550 45650 45650 45650 45650
Apply Now LOW INCOME 55300 55300 55300 55300 73000 73000 73000 73000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jasper County, IN HUD Metro FMR Area
VERY LOW INCOME 35550 35550 35550 35550 46950 46950 46950 46950
Apply Now LOW INCOME 56900 56900 56900 56900 75100 75100 75100 75100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cincinnati, OH-KY-IN HUD Metro FMR Area
VERY LOW INCOME 39150 39150 39150 39150 51700 51700 51700 51700
Apply Now LOW INCOME 62650 62650 62650 62650 82700 82700 82700 82700
MOD.INC-GUAR.LOAN 90050 90050 90050 90050 118850 118850 118850 118850
Union County, IN HUD Metro FMR Area
VERY LOW INCOME 30750 30750 30750 30750 40600 40600 40600 40600
Apply Now LOW INCOME 49200 49200 49200 49200 64950 64950 64950 64950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Columbus, IN MSA
VERY LOW INCOME 35550 35550 35550 35550 46950 46950 46950 46950
Apply Now LOW INCOME 56900 56900 56900 56900 75100 75100 75100 75100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Elkhart-Goshen, IN MSA
VERY LOW INCOME 30550 30550 30550 30550 40350 40350 40350 40350
Apply Now LOW INCOME 48900 48900 48900 48900 64550 64550 64550 64550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Evansville, IN-KY MSA
VERY LOW INCOME 32750 32750 32750 32750 43250 43250 43250 43250
Apply Now LOW INCOME 52400 52400 52400 52400 69150 69150 69150 69150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fort Wayne, IN MSA
VERY LOW INCOME 32800 32800 32800 32800 43300 43300 43300 43300
Apply Now LOW INCOME 52500 52500 52500 52500 69300 69300 69300 69300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Anderson, IN HUD Metro FMR Area
VERY LOW INCOME 32050 32050 32050 32050 42300 42300 42300 42300
Apply Now LOW INCOME 51300 51300 51300 51300 67700 67700 67700 67700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Indianapolis-Carmel, IN HUD Metro FMR Area
VERY LOW INCOME 38600 38600 38600 38600 51000 51000 51000 51000
Apply Now LOW INCOME 61750 61750 61750 61750 81500 81500 81500 81500
MOD.INC-GUAR.LOAN 88750 88750 88750 88750 117150 117150 117150 117150
Putnam County, IN HUD Metro FMR Area
VERY LOW INCOME 32350 32350 32350 32350 42750 42750 42750 42750
Apply Now LOW INCOME 51750 51750 51750 51750 68300 68300 68300 68300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Kokomo, IN MSA
VERY LOW INCOME 32050 32050 32050 32050 42350 42350 42350 42350
Apply Now LOW INCOME 51300 51300 51300 51300 67700 67700 67700 67700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Carroll County, IN HUD Metro FMR Area
VERY LOW INCOME 32300 32300 32300 32300 42650 42650 42650 42650
Apply Now LOW INCOME 51700 51700 51700 51700 68250 68250 68250 68250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lafayette-West Lafayette, IN HUD Metro FMR Area
VERY LOW INCOME 34800 34800 34800 34800 45950 45950 45950 45950
Apply Now LOW INCOME 55700 55700 55700 55700 73500 73500 73500 73500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Louisville, KY-IN HUD Metro FMR Area
VERY LOW INCOME 35750 35750 35750 35750 47200 47200 47200 47200
Apply Now LOW INCOME 57200 57200 57200 57200 75500 75500 75500 75500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Scott County, IN HUD Metro FMR Area
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Washington County, IN HUD Metro FMR Area
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Michigan City-La Porte, IN MSA
VERY LOW INCOME 31200 31200 31200 31200 41200 41200 41200 41200
Apply Now LOW INCOME 49900 49900 49900 49900 65850 65850 65850 65850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Muncie, IN MSA
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
South Bend-Mishawaka, IN HUD Metro FMR Area
VERY LOW INCOME 31650 31650 31650 31650 41800 41800 41800 41800
Apply Now LOW INCOME 50650 50650 50650 50650 66850 66850 66850 66850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sullivan County, IN HUD Metro FMR Area
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Terre Haute, IN HUD Metro FMR Area
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Adams County, IN
VERY LOW INCOME 31200 31200 31200 31200 41200 41200 41200 41200
Apply Now LOW INCOME 49900 49900 49900 49900 65850 65850 65850 65850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Blackford County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cass County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clinton County, IN
VERY LOW INCOME 30850 30850 30850 30850 40750 40750 40750 40750
Apply Now LOW INCOME 49350 49350 49350 49350 65150 65150 65150 65150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Crawford County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Daviess County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
DeKalb County, IN
VERY LOW INCOME 31650 31650 31650 31650 41800 41800 41800 41800
Apply Now LOW INCOME 50650 50650 50650 50650 66850 66850 66850 66850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Decatur County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Dubois County, IN
VERY LOW INCOME 35050 35050 35050 35050 46300 46300 46300 46300
Apply Now LOW INCOME 56100 56100 56100 56100 74050 74050 74050 74050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fayette County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fountain County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Franklin County, IN
VERY LOW INCOME 35650 35650 35650 35650 47100 47100 47100 47100
Apply Now LOW INCOME 57050 57050 57050 57050 75300 75300 75300 75300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fulton County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gibson County, IN
VERY LOW INCOME 33300 33300 33300 33300 44000 44000 44000 44000
Apply Now LOW INCOME 53300 53300 53300 53300 70350 70350 70350 70350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grant County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Greene County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Henry County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Huntington County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jay County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jefferson County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jennings County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Knox County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Kosciusko County, IN
VERY LOW INCOME 32450 32450 32450 32450 42850 42850 42850 42850
Apply Now LOW INCOME 51900 51900 51900 51900 68500 68500 68500 68500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
LaGrange County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lawrence County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marshall County, IN
VERY LOW INCOME 31400 31400 31400 31400 41450 41450 41450 41450
Apply Now LOW INCOME 50250 50250 50250 50250 66350 66350 66350 66350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Martin County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Miami County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Montgomery County, IN
VERY LOW INCOME 30900 30900 30900 30900 40800 40800 40800 40800
Apply Now LOW INCOME 49450 49450 49450 49450 65250 65250 65250 65250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Noble County, IN
VERY LOW INCOME 31550 31550 31550 31550 41650 41650 41650 41650
Apply Now LOW INCOME 50500 50500 50500 50500 66650 66650 66650 66650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Orange County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Parke County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Perry County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pike County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pulaski County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Randolph County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ripley County, IN
VERY LOW INCOME 31950 31950 31950 31950 42200 42200 42200 42200
Apply Now LOW INCOME 51100 51100 51100 51100 67450 67450 67450 67450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Rush County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Spencer County, IN
VERY LOW INCOME 34750 34750 34750 34750 45900 45900 45900 45900
Apply Now LOW INCOME 55600 55600 55600 55600 73400 73400 73400 73400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Starke County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Steuben County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Switzerland County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tipton County, IN
VERY LOW INCOME 31250 31250 31250 31250 41250 41250 41250 41250
Apply Now LOW INCOME 50000 50000 50000 50000 66000 66000 66000 66000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wabash County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Warren County, IN
VERY LOW INCOME 33700 33700 33700 33700 44500 44500 44500 44500
Apply Now LOW INCOME 53900 53900 53900 53900 71150 71150 71150 71150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wayne County, IN
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
White County, IN
VERY LOW INCOME 32350 32350 32350 32350 42750 42750 42750 42750
Apply Now LOW INCOME 51750 51750 51750 51750 68300 68300 68300 68300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

 

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.