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 these is maximum income limits. 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

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 20650 23600 26550 29450 31850 34200 36550 38900
LOW INCOME 32950 37700 42400 47100 50850 54650 58400 62150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Canton-Massillon OH MSA VERY LOW INCOME 20200 23050 25950 28800 31150 33450 35750 38050
LOW INCOME 32250 36900 41500 46100 49800 53500 57150 60850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cincinnati-Middletown OH-KY-IN MSA Brown County OH HUD Metro FMR Area VERY LOW INCOME 25000 28550 32100 35650 38550 41400 44250 47100
LOW INCOME 39950 45650 51350 57050 61600 66200 70750 75300
MOD.INC-GUAR.LOAN 82000 82000 82000 82000 108250 108250 108250 108250
Cleveland-Elyria-Mentor OH MSA VERY LOW INCOME 22700 25950 29200 32400 35000 37600 40200 42800
LOW INCOME 36300 41500 46650 51850 56000 60150 64300 68450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Columbus OH MSA Columbus OH HUD Metro FMR Area VERY LOW INCOME 24500 28000 31500 35000 37800 40600 43400 46200
LOW INCOME 39200 44800 50400 56000 60500 64950 69450 73900
MOD.INC-GUAR.LOAN 80500 80500 80500 80500 106250 106250 106250 106250
Union County OH HUD Metro FMR Area VERY LOW INCOME 29150 33300 37450 41600 44950 48300 51600 54950
LOW INCOME 45300 51750 58250 64700 69900 75050 80250 85400
MOD.INC-GUAR.LOAN 93000 93000 93000 93000 122750 122750 122750 122750
Dayton OH MSA Dayton OH HUD Metro FMR Area VERY LOW INCOME 22200 25350 28500 31650 34200 36750 39250 41800
LOW INCOME 35450 40500 45600 50650 54700 58750 62800 66850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Preble County OH HUD Metro FMR Area VERY LOW INCOME 21500 24550 27600 30650 33150 35600 38050 40500
LOW INCOME 34350 39250 44150 49050 52950 56900 60800 64750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Huntington-Ashland WV-KY-OH MSA VERY LOW INCOME 17850 20400 22950 25500 27550 29600 31650 33700
LOW INCOME 28550 32650 36700 40800 44050 47350 50600 53850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lima OH MSA VERY LOW INCOME 20600 23550 26500 29400 31800 34150 36500 38850
LOW INCOME 32950 37650 42350 47050 50800 54600 58350 62100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mansfield OH MSA VERY LOW INCOME 20050 22900 25750 28600 30900 33200 35500 37800
LOW INCOME 32050 36600 41200 45750 49400 53050 56750 60400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Parkersburg-Marietta-Vienna WV-OH MSA VERY LOW INCOME 19550 22350 25150 27900 30150 32400 34600 36850
LOW INCOME 31250 35700 40200 44650 48200 51800 55350 58950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sandusky OH MSA VERY LOW INCOME 22450 25650 28850 32050 34650 37200 39750 42350
LOW INCOME 35900 41050 46150 51300 55400 59500 63600 67700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Springfield OH MSA VERY LOW INCOME 21050 24100 27100 30100 32500 34900 37300 39750
LOW INCOME 33700 38550 43350 48150 52000 55850 59700 63550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Steubenville-Weirton OH-WV MSA VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Toledo OH MSA VERY LOW INCOME 21950 25050 28200 31300 33850 36350 38850 41350
LOW INCOME 35050 40100 45100 50100 54100 58100 62100 66150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wheeling WV-OH MSA VERY LOW INCOME 19000 21700 24400 27100 29300 31450 33650 35800
LOW INCOME 30350 34700 39000 43350 46800 50300 53750 57200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Adams County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ashland County OH VERY LOW INCOME 20800 23750 26700 29650 32050 34400 36800 39150
LOW INCOME 33200 37950 42700 47450 51250 55050 58850 62650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ashtabula County OH VERY LOW INCOME 21050 24100 27100 30100 32500 34900 37300 39750
LOW INCOME 33700 38550 43350 48150 52000 55850 59700 63550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Athens County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Auglaize County OH VERY LOW INCOME 22750 26000 29250 32450 35050 37650 40250 42850
LOW INCOME 36350 41500 46700 51900 56050 60200 64350 68500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Champaign County OH VERY LOW INCOME 21750 24850 27950 31050 33550 36050 38550 41000
LOW INCOME 34800 39750 44750 49700 53700 57650 61650 65600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clinton County OH VERY LOW INCOME 21750 24900 28000 31100 33600 36100 38550 41050
LOW INCOME 34850 39800 44800 49750 53750 57700 61700 65700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Columbiana County OH VERY LOW INCOME 19150 21850 24600 27300 29500 31700 33900 36050
LOW INCOME 30600 34950 39350 43700 47200 50700 54200 57700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Coshocton County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Crawford County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Darke County OH 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
Defiance County OH VERY LOW INCOME 21550 24600 27700 30750 33250 35700 38150 40600
LOW INCOME 34450 39350 44300 49200 53150 57050 61000 64950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fayette County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gallia County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Guernsey County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hancock County OH VERY LOW INCOME 22100 25250 28400 31550 34100 36600 39150 41650
LOW INCOME 35350 40400 45450 50500 54550 58600 62600 66650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hardin County OH VERY LOW INCOME 20550 23500 26450 29350 31700 34050 36400 38750
LOW INCOME 32850 37550 42250 46950 50700 54450 58200 61950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Harrison County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Henry County OH VERY LOW INCOME 22200 25350 28500 31650 34200 36750 39250 41800
LOW INCOME 35450 40500 45600 50650 54700 58750 62800 66850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Highland County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hocking County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Holmes County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Huron County OH VERY LOW INCOME 20200 23100 25950 28850 31150 33450 35750 38100
LOW INCOME 32300 36900 41550 46150 49850 53550 57250 60900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Knox County OH VERY LOW INCOME 21150 24200 27200 30200 32650 35050 37450 39900
LOW INCOME 33800 38650 43450 48300 52150 56050 59900 63750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Logan County OH VERY LOW INCOME 20850 23850 26800 29800 32200 34550 36950 39350
LOW INCOME 33400 38150 42950 47700 51500 55350 59150 62950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marion County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Meigs County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mercer County OH VERY LOW INCOME 22650 25850 29100 32300 34900 37500 40100 42650
LOW INCOME 36200 41350 46550 51700 55850 59950 64100 68250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Monroe County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Morgan County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Muskingum CountyOH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Noble County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Paulding County OH VERY LOW INCOME 20900 23900 26900 29850 32250 34650 37050 39450
LOW INCOME 33450 38200 43000 47750 51550 55400 59200 63050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Perry County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pike County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Putnam County OH VERY LOW INCOME 25500 29150 32800 36400 39350 42250 45150 48050
LOW INCOME 40800 46600 52450 58250 62900 67550 72250 76900
MOD.INC-GUAR.LOAN 83750 83750 83750 83750 110550 110550 110550 110550
Ross County OH VERY LOW INCOME 19500 22250 25050 27800 30050 32250 34500 36700
LOW INCOME 31150 35600 40050 44500 48050 51600 55200 58750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sandusky County OH VERY LOW INCOME 21400 24450 27500 30550 33000 35450 37900 40350
LOW INCOME 34250 39100 44000 48900 52800 56700 60650 64550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Scioto County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Seneca County OH VERY LOW INCOME 19850 22650 25500 28300 30600 32850 35100 37400
LOW INCOME 31700 36250 40750 45300 48900 52550 56150 59800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Shelby County OH VERY LOW INCOME 22650 25850 29100 32300 34900 37500 40100 42650
LOW INCOME 36200 41350 46550 51700 55850 59950 64100 68250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tuscarawas County OH VERY LOW INCOME 19250 22000 24750 27450 29650 31850 34050 36250
LOW INCOME 30750 35100 39500 43900 47400 50900 54450 57950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Van Wert County OH VERY LOW INCOME 19650 22500 25300 28100 30350 32600 34850 37100
LOW INCOME 31450 35950 40450 44950 48550 52150 55750 59350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Vinton County OH VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wayne County OH VERY LOW INCOME 22200 25350 28500 31650 34200 36750 39250 41800
LOW INCOME 35450 40500 45600 50650 54700 58750 62800 66850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Williams County OH 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
Wyandot County OH VERY LOW INCOME 21600 24650 27750 30800 33300 35750 38200 40700
LOW INCOME 34500 39450 44350 49300 53250 57200 61150 65100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

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!