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 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 USDA Eligibility restriction is set in terms of 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

Quick Scroll
STATE:MISSISSIPPI PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Gulfport-Biloxi, MS HUD Metro FMR Area
VERY LOW INCOME 27400 27400 27400 27400 36200 36200 36200 36200
Apply Now LOW INCOME 43850 43850 43850 43850 57900 57900 57900 57900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pascagoula, MS HUD Metro FMR Area
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
Hattiesburg, MS MSA
VERY LOW INCOME 28750 28750 28750 28750 37950 37950 37950 37950
Apply Now LOW INCOME 46000 46000 46000 46000 60700 60700 60700 60700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson, MS HUD Metro FMR Area
VERY LOW INCOME 31900 31900 31900 31900 42150 42150 42150 42150
Apply Now LOW INCOME 51050 51050 51050 51050 67400 67400 67400 67400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Simpson County, MS HUD Metro FMR Area
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Yazoo County, MS HUD Metro FMR Area
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Benton County, MS HUD Metro FMR Area
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marshall County, MS HUD Metro FMR Area
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Memphis, TN-MS-AR HUD Metro FMR Area
VERY LOW INCOME 32100 32100 32100 32100 42400 42400 42400 42400
Apply Now LOW INCOME 51350 51350 51350 51350 67800 67800 67800 67800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tate County, MS HUD Metro FMR Area
VERY LOW INCOME 28150 28150 28150 28150 37200 37200 37200 37200
Apply Now LOW INCOME 45050 45050 45050 45050 59450 59450 59450 59450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tunica County, MS HUD Metro FMR Area
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Adams County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Alcorn County, MS
VERY LOW INCOME 24000 24000 24000 24000 31700 31700 31700 31700
Apply Now LOW INCOME 38400 38400 38400 38400 50700 50700 50700 50700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Amite County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Attala County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bolivar County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Calhoun County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Carroll County, MS
VERY LOW INCOME 25400 25400 25400 25400 33550 33550 33550 33550
Apply Now LOW INCOME 40650 40650 40650 40650 53650 53650 53650 53650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Chickasaw County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Choctaw County, MS
VERY LOW INCOME 23800 23800 23800 23800 31450 31450 31450 31450
Apply Now LOW INCOME 38100 38100 38100 38100 50300 50300 50300 50300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Claiborne County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clarke County, MS
VERY LOW INCOME 24450 24450 24450 24450 32300 32300 32300 32300
Apply Now LOW INCOME 39100 39100 39100 39100 51600 51600 51600 51600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clay County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Coahoma County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Covington County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Franklin County, MS
VERY LOW INCOME 25550 25550 25550 25550 33750 33750 33750 33750
Apply Now LOW INCOME 40900 40900 40900 40900 54000 54000 54000 54000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
George County, MS
VERY LOW INCOME 30350 30350 30350 30350 40100 40100 40100 40100
Apply Now LOW INCOME 48550 48550 48550 48550 64100 64100 64100 64100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Greene County, MS
VERY LOW INCOME 28250 28250 28250 28250 37300 37300 37300 37300
Apply Now LOW INCOME 45200 45200 45200 45200 59650 59650 59650 59650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grenada County, MS
VERY LOW INCOME 24800 24800 24800 24800 32750 32750 32750 32750
Apply Now LOW INCOME 39700 39700 39700 39700 52400 52400 52400 52400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Holmes County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Humphreys County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Issaquena County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Itawamba County, MS
VERY LOW INCOME 24350 24350 24350 24350 32150 32150 32150 32150
Apply Now LOW INCOME 38950 38950 38950 38950 51400 51400 51400 51400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jasper County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jefferson County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jefferson Davis County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jones County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Kemper County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lafayette County, MS
VERY LOW INCOME 33200 33200 33200 33200 43850 43850 43850 43850
Apply Now LOW INCOME 53100 53100 53100 53100 70100 70100 70100 70100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lauderdale County, MS
VERY LOW INCOME 24250 24250 24250 24250 32050 32050 32050 32050
Apply Now LOW INCOME 38800 38800 38800 38800 51200 51200 51200 51200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lawrence County, MS
VERY LOW INCOME 26300 26300 26300 26300 34750 34750 34750 34750
Apply Now LOW INCOME 42100 42100 42100 42100 55550 55550 55550 55550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Leake County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lee County, MS
VERY LOW INCOME 28900 28900 28900 28900 38150 38150 38150 38150
Apply Now LOW INCOME 46250 46250 46250 46250 61050 61050 61050 61050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Leflore County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lincoln County, MS
VERY LOW INCOME 23650 23650 23650 23650 31250 31250 31250 31250
Apply Now LOW INCOME 37850 37850 37850 37850 49950 49950 49950 49950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lowndes County, MS
VERY LOW INCOME 26350 26350 26350 26350 34800 34800 34800 34800
Apply Now LOW INCOME 42150 42150 42150 42150 55650 55650 55650 55650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marion County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Monroe County, MS
VERY LOW INCOME 24750 24750 24750 24750 32700 32700 32700 32700
Apply Now LOW INCOME 39600 39600 39600 39600 52250 52250 52250 52250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Montgomery County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Neshoba County, MS
VERY LOW INCOME 23800 23800 23800 23800 31450 31450 31450 31450
Apply Now LOW INCOME 38100 38100 38100 38100 50300 50300 50300 50300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Newton County, MS
VERY LOW INCOME 24050 24050 24050 24050 31750 31750 31750 31750
Apply Now LOW INCOME 38500 38500 38500 38500 50800 50800 50800 50800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Noxubee County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Oktibbeha County, MS
VERY LOW INCOME 28850 28850 28850 28850 38100 38100 38100 38100
Apply Now LOW INCOME 46150 46150 46150 46150 60900 60900 60900 60900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Panola County, MS
VERY LOW INCOME 23600 23600 23600 23600 31200 31200 31200 31200
Apply Now LOW INCOME 37750 37750 37750 37750 49850 49850 49850 49850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pearl River County, MS
VERY LOW INCOME 26600 26600 26600 26600 35150 35150 35150 35150
Apply Now LOW INCOME 42550 42550 42550 42550 56150 56150 56150 56150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pike County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pontotoc County, MS
VERY LOW INCOME 27450 27450 27450 27450 36250 36250 36250 36250
Apply Now LOW INCOME 43900 43900 43900 43900 57950 57950 57950 57950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Prentiss County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Quitman County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Scott County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sharkey County, MS
VERY LOW INCOME 23600 23600 23600 23600 31200 31200 31200 31200
Apply Now LOW INCOME 37750 37750 37750 37750 49850 49850 49850 49850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Smith County, MS
VERY LOW INCOME 24950 24950 24950 24950 32950 32950 32950 32950
Apply Now LOW INCOME 39900 39900 39900 39900 52650 52650 52650 52650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Stone County, MS
VERY LOW INCOME 27400 27400 27400 27400 36200 36200 36200 36200
Apply Now LOW INCOME 43850 43850 43850 43850 57900 57900 57900 57900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sunflower County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tallahatchie County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tippah County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tishomingo County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Union County, MS
VERY LOW INCOME 24550 24550 24550 24550 32450 32450 32450 32450
Apply Now LOW INCOME 39300 39300 39300 39300 51900 51900 51900 51900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Walthall County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Warren County, MS
VERY LOW INCOME 28400 28400 28400 28400 37500 37500 37500 37500
Apply Now LOW INCOME 45450 45450 45450 45450 60000 60000 60000 60000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Washington County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wayne County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Webster County, MS
VERY LOW INCOME 24750 24750 24750 24750 32700 32700 32700 32700
Apply Now LOW INCOME 39600 39600 39600 39600 52250 52250 52250 52250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wilkinson County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Winston County, MS
VERY LOW INCOME 23500 23500 23500 23500 31050 31050 31050 31050
Apply Now LOW INCOME 37600 37600 37600 37600 49650 49650 49650 49650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Yalobusha County, MS
VERY LOW INCOME 24600 24600 24600 24600 32500 32500 32500 32500
Apply Now LOW INCOME 39350 39350 39350 39350 51950 51950 51950 51950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

 

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