USDA Announces Increased Income Limits

Date: June 2, 2010
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Questions or Comments Regarding This Information?

The income limits for the USDA Guaranteed Rural Housing (GRP) Program have increased effective June 2, 2010. While the increase in Maryland is less than $1,000, considering that family incomes have stagnated over the last year, any increase is helpful in qualifying more homebuyers for this loan program.

Based on the increase new maximum income limits are as follows:

Household Size
County1-45+
Accomack$82,700$109,150
Albemarle$98,100$129,500
Alexandria$111,350$147,000
Alleghany$82,700$109,150
Amelia$95,650$126,250
Amherst$82,700$109,150
Appomattox$82,700$109,150
Arlington$111,350$147,000
Augusta$82,700$109,150
Bath$82,700$109,150
Bedford$82,700$109,150
Bedford Ind$82,700$109,150
Bland$82,700$109,150
Botetourt$82,700$109,150
Bristol$82,700$109,150
Brunswick$82,700$109,150
Buchanan$82,700$109,150
Buckingham$82,700$109,150
Buena Vista$82,700$109,150
Campbell$82,700$109,150
Caroline$95,650$126,250
Carroll$82,700$109,150
Charles City$95,650$126,250
Charlotte$82,700$109,150
Charlottesville$98,100$129,500
Chesapeake$86,250$113,850
Chesterfield$95,650$126,250
Clarke$111,350$147,000
Clifton Forge$78,200$103,200
Colonial Height$95,650$126,250
Covington$82,700$109,150
Craig$82,700$109,150
Culpeper$94,500$124,750
Cumberland$86,950$114,750
Danville$82,700$109,150
Dickenson$82,700$109,150
Dinwiddie$95,650$126,250
Emporia$82,700$109,150
Essex$82,700$109,150
Fairfax$111,350$147,000
Fairfax Ind$108,550$143,300
Falls Church$111,350$147,000
Fauquier$111,350$147,000
Floyd$82,700$109,150
Fluvanna$98,100$129,500
Franklin$82,700$109,150
Franklin Ind$78,200$103,200
Frederick$84,900$112,050
Fredericksburg$111,350$147,000
Galax$82,700$109,150
Giles$82,700$109,150
Gloucester$86,250$113,850
Goochland$95,650$126,250
Grayson$82,700$109,150
Greene$98,100$129,500
Greensville$82,700$109,150
Halifax$82,700$109,150
Hampton$86,250$113,850
Hanover$95,650$126,250
Harrisonburg$82,700$109,150
Henrico$95,650$126,250
Henry$82,700$109,150
Highland$82,700$109,150
Hopewell$95,650$126,250
Isle Of Wight$86,250$113,850
James City$86,250$113,850
King And Queen$86,950$114,750
King George$103,350$136,400
King William$95,650$126,250
Lancaster$82,700$109,150
Lee$82,700$109,150
Lexington$82,700$109,150
Loudoun$111,350$147,000
Louisa$82,700$109,150
Lunenburg$82,700$109,150
Lynchburg$82,700$109,150
Madison$82,700$109,150
Manassas$111,350$147,000
Manassas Park$111,350$147,000
Martinsville$82,700$109,150
Mathews$86,250$113,850
Mecklenburg$82,700$109,150
Middlesex$85,100$112,350
Montgomery$82,700$109,150
Nelson$98,100$129,500
New Kent$95,650$126,250
Newport News$86,250$113,850
Norfolk$86,250$113,850
Northampton$82,700$109,150
Northumberland$82,700$109,150
Norton$82,700$109,150
Nottoway$82,700$109,150
Orange$87,400$115,350
Page$82,700$109,150
Patrick$82,700$1,099,150
Petersburg$95,650$126,250
Pittsylvania$82,700$1,099,150
Poquoson$86,250$113,850
Portsmouth$86,250$113,850
Powhatan$95,650$126,250
Prince Edward$82,700$1,099,150
Prince George$95,650$126,250
Prince William$111,350$147,000
Pulaski$82,700$109,150
Radford$82,700$109,150
Rappahannock$94,150$124,300
Richmond$82,700$109,150
Richmond Ind$89,000$117,500
Roanoke$82,700$109,150
Roanoke Ind$78,200$103,200
Rockbridge$82,700$109,150
Rockingham$82,700$109,150
Russell$82,700$109,150
Salem$82,700$109,150
Scott$82,700$109,150
Shenandoah$82,700$109,150
Smyth$82,700$109,150
Southampton$82,700$109,150
Spotsylvania$111,350$147,000
Stafford$111,350$147,000
Staunton$82,700$109,150
Suffolk$86,250$113,850
Surry$84,300$111,300
Sussex$95,650$126,250
Tazewell$82,700$109,150
Virginia Beach$86,250$113,850
Warren$88,400$116,700
Washington$82,700$109,150
Waynesboro$82,700$109,150
Westmoreland$82,700$109,150
Williamsburg$86,250$113,850
Winchester$84,900$112,050
Wise$82,700$109,150
Wythe$82,700$109,150
York$86,250$113,850

Remember that USDA does allow for the total household income to be higher than these income limits provided that certain adjustments or reduction to income can be made including:

  • Documentable childcare expenses for children age 12 and under
  • $480 per child for anyone under 18
  • $480 for any student other then one of the applicants
  • $400 for each disabled or handicapped individual who is not one of the applicants
  • Medical expenses for any elderly family member

These adjustments can be used to lower the gross household income to an amount that is less than the above mentioned maximum gross income. If you are considering financing an upcoming home purchase using a USDA loan and need assistance in calculating your adjusted gross income using USDA Rural Development Loan Income Guidelines complete the contact form or call (866) 305-7808 to speak to your local Maryland loan professional.

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