USDA Rural Development Increases 2026 Income Limits
USDA Rural Development has published its updated 2026 income limits for the Single-Family Housing Guaranteed Loan Program. The new limits took effect immediately and are now the applicable eligibility thresholds for guaranteed loan applications.
What Changed
On July 13, 2026, Rural Development published the updated 2026 income limits through a Procedure Notice (PN). The new limits are now in effect for all guaranteed loan applications.
New Income Limits — Most Parishes / Counties
| Household Size | 2026 Income Limit |
| 1–4 Member Household | $122,800 |
| 5–8 Member Household | $162,100 |
Limits shown apply to most parishes/counties. High-cost areas may differ — always confirm the exact limit for the property’s location and household size on the USDA Eligibility Website.
Systems Updated by the Agency
Guaranteed Underwriting System (GUS)
Updated to reflect the new 2026 income limits for eligibility determinations.
Income Eligibility Calculator
The calculator on the USDA Eligibility Website now reflects the updated income limits.
What This Means for You
- Use the updated GUS and Income Eligibility calculator for all new eligibility determinations.
- Re-verify borrower income eligibility on in-progress files against the 2026 limits before submission.
- Confirm eligibility on the USDA Eligibility Website for the property’s location and household size.
Questions?
Contact your District Director with questions about how these updated limits affect your pipeline.