Consumer Real Estate Finance Co. is here to guide Ohio residents as they explore the options of a USDA Loan. The advantages of Ohio Rural Development Loans include:

  • 100% Financing up to the appraised value
  • Flexible Ohio credit qualifications
  • No  Ohio loan amount limitations

Ohio Areas that Qualify for a USDA Loan

Too many Ohio residents assume that because these government-insured loans are backed by the United States Department of Agriculture that only properties located within rural farming communities qualify. In truth, USDA Loans were designed to encourage economic growth in smaller communities located all throughout Ohio. This includes communities that lie just outside city limits and communities with less than 20,000 people.

Because of this diversity, you should never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate Finance Co. are here to help, fill out the Application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Our Ohio office is located at:

1929 Royalton Road
Broadview Hts., OH 44147

Ohio’s USDA Loan Income Limits By County

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

Ohio USDA Loan Adjusted Maximum Income Limits by County
Updated 10/24/2012

Quick Scroll
STATE:OHIO PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Akron, OH MSA 		VERY LOW INCOME 25650 29300 32950 36600 39550 42500 45400 48350
Apply Now LOW INCOME 41000 46850 52700 58550 63250 67900 72600 77300
MOD.INC-GUAR.LOAN 84150 84150 84150 84150 111100 111100 111100 111100
Canton-Massillon, OH MSA 		VERY LOW INCOME 22750 26000 29250 32450 35050 37650 40250 42850
Apply Now LOW INCOME 36350 41500 46700 51900 56050 60200 64350 68500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Brown County, OH HUD Metro FMR Area 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cincinnati, OH-KY-IN HUD Metro FMR Area 		VERY LOW INCOME 27450 31350 35250 39150 42300 45450 48550 51700
Apply Now LOW INCOME 43850 50100 56400 62650 67650 72650 77700 82700
MOD.INC-GUAR.LOAN 90050 90050 90050 90050 118850 118850 118850 118850
Cleveland-Elyria, OH MSA 		VERY LOW INCOME 24750 28300 31850 35350 38200 41050 43850 46700
Apply Now LOW INCOME 39600 45250 50900 56550 61050 65600 70100 74650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Columbus, OH HUD Metro FMR Area 		VERY LOW INCOME 26750 30600 34400 38200 41300 44350 47400 50450
Apply Now LOW INCOME 42750 48900 55000 61100 66000 70900 75750 80650
MOD.INC-GUAR.LOAN 87850 87850 87850 87850 115950 115950 115950 115950
Hocking County, OH HUD Metro FMR Area 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Perry County, OH HUD Metro FMR Area 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Union County, OH HUD Metro FMR Area 		VERY LOW INCOME 29250 33400 37600 41750 45100 48450 51800 55150
Apply Now LOW INCOME 46750 53450 60100 66800 72150 77500 82850 88200
MOD.INC-GUAR.LOAN 96050 96050 96050 96050 126800 126800 126800 126800
Dayton, OH MSA 		VERY LOW INCOME 23000 26300 29600 32850 35500 38150 40750 43400
Apply Now LOW INCOME 36800 42050 47300 52550 56750 60950 65150 69350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area 		VERY LOW INCOME 19250 22000 24750 27450 29650 31850 34050 36250
Apply Now LOW INCOME 30750 35100 39500 43900 47400 50900 54450 57950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lima, OH MSA 		VERY LOW INCOME 21950 25100 28250 31350 33900 36400 38900 41400
Apply Now LOW INCOME 35100 40100 45150 50150 54150 58150 62200 66200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mansfield, OH MSA 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Springfield, OH MSA 		VERY LOW INCOME 22500 25700 28900 32100 34700 37250 39850 42400
Apply Now LOW INCOME 35950 41100 46200 51350 55450 59550 63650 67800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Toledo, OH MSA 		VERY LOW INCOME 23550 26900 30250 33600 36300 39000 41700 44400
Apply Now LOW INCOME 37650 43000 48400 53750 58050 62350 66650 70950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Weirton-Steubenville, WV-OH MSA 		VERY LOW INCOME 21550 24600 27700 30750 33250 35700 38150 40600
Apply Now LOW INCOME 34450 39350 44300 49200 53150 57050 61000 64950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wheeling, WV-OH MSA 		VERY LOW INCOME 21900 25000 28150 31250 33750 36250 38750 41250
Apply Now LOW INCOME 35000 40000 45000 50000 54000 58000 62000 66000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Youngstown-Warren-Boardman, OH HUD Metro FMR Area 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Adams County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ashland County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ashtabula County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Athens County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Auglaize County, OH 		VERY LOW INCOME 24800 28350 31900 35400 38250 41100 43900 46750
Apply Now LOW INCOME 39650 45300 51000 56650 61200 65700 70250 74800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Champaign County, OH 		VERY LOW INCOME 22300 25500 28700 31850 34400 36950 39500 42050
Apply Now LOW INCOME 35650 40750 45850 50950 55050 59100 63200 67250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clinton County, OH 		VERY LOW INCOME 21750 24900 28000 31100 33600 36100 38550 41050
Apply Now LOW INCOME 34850 39800 44800 49750 53750 57700 61700 65700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Columbiana County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Coshocton County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Crawford County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Darke County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Defiance County, OH 		VERY LOW INCOME 21850 25000 28100 31200 33700 36200 38700 41200
Apply Now LOW INCOME 34950 39900 44900 49900 53900 57900 61900 65850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Erie County, OH 		VERY LOW INCOME 23050 26350 29650 32900 35550 38200 40800 43450
Apply Now LOW INCOME 36850 42100 47400 52650 56850 61050 65300 69500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fayette County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gallia County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Guernsey County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hancock County, OH 		VERY LOW INCOME 25100 28650 32250 35800 38700 41550 44400 47300
Apply Now LOW INCOME 40100 45850 51550 57300 61900 66450 71050 75650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hardin County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Harrison County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Henry County, OH 		VERY LOW INCOME 23700 27100 30500 33850 36600 39300 42000 44700
Apply Now LOW INCOME 37900 43300 48750 54150 58500 62800 67150 71500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Highland County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Holmes County, OH 		VERY LOW INCOME 22200 25400 28550 31700 34250 36800 39350 41850
Apply Now LOW INCOME 35500 40550 45650 50700 54750 58800 62850 66900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Huron County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Knox County, OH 		VERY LOW INCOME 21650 24750 27850 30900 33400 35850 38350 40800
Apply Now LOW INCOME 34600 39550 44500 49450 53400 57350 61300 65250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Logan County, OH 		VERY LOW INCOME 21950 25050 28200 31300 33850 36350 38850 41350
Apply Now LOW INCOME 35050 40100 45100 50100 54100 58100 62100 66150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marion County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Meigs County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mercer County, OH 		VERY LOW INCOME 25000 28550 32100 35650 38550 41400 44250 47100
Apply Now LOW INCOME 39950 45650 51350 57050 61600 66200 70750 75300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Monroe County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Morgan County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Muskingum County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Noble County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ottawa County, OH 		VERY LOW INCOME 23850 27250 30650 34050 36800 39500 42250 44950
Apply Now LOW INCOME 38150 43600 49050 54500 58850 63200 67600 71950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Paulding County, OH 		VERY LOW INCOME 21650 24750 27850 30900 33400 35850 38350 40800
Apply Now LOW INCOME 34600 39550 44500 49450 53400 57350 61300 65250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pike County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Preble County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Putnam County, OH 		VERY LOW INCOME 26550 30350 34150 37900 40950 44000 47000 50050
Apply Now LOW INCOME 42450 48500 54600 60650 65500 70350 75200 80050
MOD.INC-GUAR.LOAN 87200 87200 87200 87200 115100 115100 115100 115100
Ross County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sandusky County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Scioto County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Seneca County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Shelby County, OH 		VERY LOW INCOME 24850 28400 31950 35500 38350 41200 44050 46900
Apply Now LOW INCOME 39750 45450 51100 56800 61350 65900 70450 75000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tuscarawas County, OH 		VERY LOW INCOME 22800 26050 29300 32550 35200 37800 40400 43000
Apply Now LOW INCOME 36450 41700 46900 52100 56250 60450 64600 68750
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Van Wert County, OH 		VERY LOW INCOME 21900 25000 28150 31250 33750 36250 38750 41250
Apply Now LOW INCOME 35000 40000 45000 50000 54000 58000 62000 66000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Vinton County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Washington County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wayne County, OH 		VERY LOW INCOME 22950 26200 29500 32750 35400 38000 40650 43250
Apply Now LOW INCOME 36700 41900 47150 52400 56600 60800 65000 69150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Williams County, OH 		VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
Apply Now LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wyandot County, OH 		VERY LOW INCOME 22200 25400 28550 31700 34250 36800 39350 41850
Apply Now LOW INCOME 35500 40550 45650 50700 54750 58800 62850 66900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

 

As a Buckeye resident, you do not have to navigate the sometimes confusing USDA Loan application process alone. The certified agents at Consumer Real Estate Finance Co. are here to help.   Contact us today for assistance!