Florida USDA income limits for 2026
For most Florida counties, the 2026 USDA Guaranteed income limit is $119,850 for a household of 1–4 and $158,250 for 5–8. A handful of metro areas run slightly higher, and households over 8 get an 8% bump per additional member.
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2026 limits at a glance
| Household size | Standard FL limit (2026) | Notes |
|---|---|---|
| 1–4 people | $119,850 | Applies in most Florida counties |
| 5–8 people | $158,250 | Applies in most Florida counties |
| 9+ people | +8% of the 4-person limit each | Added per additional member |
| Metro exceptions | Slightly higher in some MSAs | e.g. Tampa-St. Pete-Clearwater runs marginally above standard — we verify your county's exact figure |
Source: USDA Rural Development SFHGLP income limits. Figures update annually — verify current numbers at rd.usda.gov or with our team. Reviewed by Jim Blackburn, NMLS #1072866.
Gross income, whole household, minus allowed deductions
USDA uses gross (pre-tax) income for all adults in the household, then subtracts allowed deductions: $480 per minor child, documented childcare, elderly-household and disability deductions. That math regularly qualifies families whose raw income looks over the cap — which is why a two-minute review beats a guess. Every scenario is reviewed personally by Jim Blackburn, NMLS #1072866.
FAQ
What if I'm just over the limit?
Run the deductions first — childcare and per-child deductions pull many households back under. If you're still over: FHA, conventional, or VA construction carry no income caps.
Do income limits change?
Yes, annually — USDA updates them each year for inflation. The figures above are the published 2026 numbers.
Is the limit per borrower?
No — per household. All adult members' income counts toward one combined number.
Questions on your county's exact figure? Talk to Jim Blackburn, NMLS #1072866 — schedule a call.
USDA eligibility is determined solely by USDA Rural Development based on property location and household income — verify any address at the official USDA eligibility lookup. VA eligibility is determined by the Department of Veterans Affairs. Income limits, loan limits, and program guidelines reflect published 2026 figures and are subject to change. This page is educational and is not a commitment to lend or a guarantee of approval.