New York USDA Loan Income Limits and New York USDA Loan Map
New York USDA Loan offers affordable mortgage financing for moderate income households purchasing a house in a designated New York USDA Loan eligible rural area as determined by the Rural Housing Service (RHS). New York USDA Loan Map and New York USDA Income Limit guidelines for the New York USDA Loan program require that the: | New York USDA Income Limits households with a moderate income not to exceed New York USDA Loan county limits based on a household size of one to four or five and more family members. |
| New York USDA Loan Map will determine if the house is located in a New York USDA Loan approved area. Homebuyers should not assume that the term "rural" means the New York USDA Loan program is only available in farming communities. Many areas approved by the RHS for the New York USDA Loan Program are residential areas, near major cities, with a complete absence of any local farms. |
| New York USDA Loan County Guideline Lookup Tool | ||
|---|---|---|
| Select County | Maximum Income | |
| Family 1-4: | ||
| Family 5+: | ||
| County Eligibility: | ||
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Make too much to qualify for the New York USDA Loan? You still may qualify for the California USDA Loan Program based on certain deductions allowed by USDA Rural Development using the New York USDA Max Income Calculator | ||
By purchasing a home located in a New York USDA Loan area, qualified homebuyers have the ability to buy a house with:
No Money Down - 100% USDA Loan Financing - Low Monthly Mortgage Insurance - Flexible Credit Approval - Secure 30 Year Fixed Rate Mortgage - Unlimited Seller Closing Cost Help Allowed.
New York USDA Rural Development County Specific Income and Location Guidelines
| County | Max Household Income | Location Restrictions | |
|---|---|---|---|
| 1 - 4 | 5 + People | ||
| Albany | $89,850 | $118,600 | Partially Eligible |
| Allegany | $74,750 | $98,650 | 100% Eligible |
| Bronx | $98,750 | $130,350 | Completely Ineligible |
| Broome | $74,750 | $98,650 | Partially Eligible |
| Cattaraugus | $74,750 | $98,650 | 100% Eligible |
| Cayuga | $74,750 | $98,650 | Partially Eligible |
| Chautauqua | $74,750 | $98,650 | Partially Eligible |
| Chemung | $74,750 | $98,650 | Partially Eligible |
| Chenango | $74,750 | $98,650 | 100% Eligible |
| Clinton | $74,750 | $98,650 | Partially Eligible |
| Columbia | $84,550 | $111,600 | 100% Eligible |
| Cortland | $74,750 | $98,650 | Partially Eligible |
| Delaware | $74,750 | $98,650 | 100% Eligible |
| Dutchess | $93,450 | $123,350 | Partially Eligible |
| Erie | $76,050 | $100,400 | Partially Eligible |
| Essex | $74,750 | $98,650 | 100% Eligible |
| Franklin | $74,750 | $98,650 | 100% Eligible |
| Fulton | $74,750 | $98,650 | Partially Eligible |
| Genesee | $74,750 | $98,650 | 100% Eligible |
| Greene | $74,750 | $98,650 | 100% Eligible |
| Hamilton | $74,750 | $98,650 | 100% Eligible |
| Herkimer | $74,750 | $98,650 | 100% Eligible |
| Jefferson | $74,750 | $98,650 | Partially Eligible |
| Kings | $98,750 | $130,350 | Completely Ineligible |
| Lewis | $74,750 | $98,650 | 100% Eligible |
| Livingston | $79,000 | $104,300 | 100% Eligible |
| Madison | $76,600 | $101,100 | Partially Eligible |
| Monroe | $79,000 | $104,300 | Partially Eligible |
| Montgomery | $74,750 | $98,650 | Partially Eligible |
| Nassau | $112,700 | $148,750 | Completely Ineligible |
| New York | $98,750 | $130,350 | Completely Ineligible |
| Niagara | $76,050 | $100,400 | Partially Eligible |
| Oneida | $74,750 | $98,650 | Partially Eligible |
| Onondaga | $76,600 | $101,100 | Partially Eligible |
| Ontario | $79,000 | $104,300 | Partially Eligible |
| Orange | $93,450 | $123,350 | Partially Eligible |
| Orleans | $79,000 | $104,300 | 100% Eligible |
| Oswego | $76,600 | $101,100 | Partially Eligible |
| Otsego | $74,750 | $98,650 | 100% Eligible |
| Putnam | $98,750 | $130,350 | 100% Eligible |
| Queens | N/A | N/A | Completely Ineligible |
| Rensselaer | $89,850 | $118,600 | Partially Eligible |
| Richmond | N/A | N/A | Completely Ineligible |
| Rockland | $95,450 | $126,000 | Completely Ineligible |
| Saratoga | $89,850 | $118,600 | Partially Eligible |
| Schenectady | $89,850 | $118,600 | Partially Eligible |
| Schoharie | $89,850 | $118,600 | 100% Eligible |
| Schuyler | $74,750 | $98,650 | 100% Eligible |
| Seneca | $74,750 | $98,650 | 100% Eligible |
| St. Lawrence | $74,750 | $98,650 | 100% Eligible |
| Steuben | $74,750 | $98,650 | 100% Eligible |
| Suffolk | $112,700 | $148,750 | Partially Eligible |
| Sullivan | $74,750 | $98,650 | 100% Eligible |
| Tioga | $74,750 | $98,650 | 100% Eligible |
| Tompkins | $89,000 | $117,500 | Partially Eligible |
| Ulster | $84,950 | $112,150 | Partially Eligible |
| Warren | $74,750 | $98,650 | Partially Eligible |
| Washington | $74,750 | $98,650 | 100% Eligible |
| Wayne | $79,000 | $104,300 | 100% Eligible |
| Westchester | $98,750 | $130,350 | Partially Eligible |
| Wyoming | $74,750 | $98,650 | 100% Eligible |
| Yates | $74,750 | $98,650 | 100% Eligible |
