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$90,300$119,200
Albemarle$107,950$142,500
Alexandria$114,450$151,050
Alleghany$90,300$119,200
Amelia$102,800$135,700
Amherst$90,300$119,200
Appomattox$90,300$119,200
Arlington$114,450$151,050
Augusta$90,300$119,200
Bath$90,300$119,200
Bedford$90,300$119,200
Bedford Ind$90,300$119,200
Bland$90,300$119,200
Botetourt$90,300$119,200
Bristol$90,300$119,200
Brunswick$90,300$119,200
Buchanan$90,300$119,200
Buckingham$90,300$119,200
Buena Vista$90,300$119,200
Campbell$90,300$119,200
Caroline$102,800$135,700
Carroll$90,300$119,200
Charles City$102,800$135,700
Charlotte$90,300$119,200
Charlottesville$107,950$142,500
Chesapeake$94,900$125,250
Chesterfield$102,800$135,700
Clarke$114,450$151,050
Clifton Forge$78,200$103,200
Colonial Height$102,800$135,700
Covington$90,300$119,200
Craig$90,300$119,200
Culpeper$97,950$129,300
Cumberland$90,300$119,200
Danville$90,300$119,200
Dickenson$90,300$119,200
Dinwiddie$102,800$135,700
Emporia$90,300$119,200
Essex$90,300$119,200
Fairfax$114,450$151,050
Fairfax Ind$108,550$143,300
Falls Church$114,450$151,050
Fauquier$114,450$151,050
Floyd$90,300$119,200
Fluvanna$107,950$142,500
Franklin$90,300$119,200
Franklin Ind$78,200$103,200
Frederick$91,200$120,400
Fredericksburg$114,450$151,050
Galax$90,300$119,200
Giles$90,300$119,200
Gloucester$94,900$125,250
Goochland$102,800$135,700
Grayson$90,300$119,200
Greene$107,950$142,500
Greensville$90,300$119,200
Halifax$90,300$119,200
Hampton$94,900$125,250
Hanover$102,800$135,700
Harrisonburg$90,300$119,200
Henrico$102,800$135,700
Henry$90,300$119,200
Highland$90,300$119,200
Hopewell$102,800$135,700
Isle Of Wight$94,900$125,250
James City$94,900$125,250
King And Queen$90,300$119,200
King George$112,850$148,950
King William$102,800$135,700
Lancaster$90,300$119,200
Lee$90,300$119,200
Lexington$90,300$119,200
Loudoun$114,450$151,050
Louisa$90,300$119,200
Lunenburg$90,300$119,200
Lynchburg$90,300$119,200
Madison$90,300$119,200
Manassas$114,450$151,050
Manassas Park$114,450$151,050
Martinsville$90,300$119,200
Mathews$94,900$125,250
Mecklenburg$90,300$119,200
Middlesex$90,300$119,200
Montgomery$95,100$125,550
Nelson$107,950$142,500
New Kent$102,800$135,700
Newport News$94,900$125,250
Norfolk$94,900$125,250
Northampton$90,300$119,200
Northumberland$90,300$119,200
Norton$90,300$119,200
Nottoway$90,300$119,200
Orange$93,850$123,900
Page$90,300$119,200
Patrick$90,300$119,200
Petersburg$102,800$135,700
Pittsylvania$90,300$119,200
Poquoson$94,900$125,250
Portsmouth$94,900$125,250
Powhatan$102,800$135,700
Prince Edward$90,300$119,200
Prince George$102,800$135,700
Prince William$114,450$151,050
Pulaski$90,300$119,200
Radford$95,100$125,500
Rappahannock$96,400$127,250
Richmond$90,300$119,200
Richmond Ind$89,000$117,500
Roanoke$90,300$119,200
Roanoke Ind$78,200$103,200
Rockbridge$90,300$119,200
Rockingham$90,300$119,200
Russell$90,300$119,200
Salem$90,300$119,200
Scott$90,300$119,200
Shenandoah$90,300$119,200
Smyth$90,300$119,200
Southampton$90,300$119,200
Spotsylvania$114,450$151,050
Stafford$114,450$151,050
Staunton$90,300$119,200
Suffolk$94,900$125,250
Surry$90,300$119,200
Sussex$102,800$135,700
Tazewell$90,300$119,200
Virginia Beach$94,900$125,250
Warren$93,600$123,550
Washington$90,300$119,200
Waynesboro$90,300$119,200
Westmoreland$90,300$119,200
Williamsburg$94,900$125,250
Winchester$91,200$120,400
Wise$90,300$119,200
Wythe$90,300$119,200
York$94,900$125,250

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) 747-2882 to speak to your local Maryland loan professional.

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