To qualify for a USDA guaranteed home loan in Acadia Parish, Louisiana, household income must be at or below $122,800 for 1–4 people or $162,100 for 5–8 people (FY2026).
$34,600Very low income, 1–4 people
Limits by household size
| Program | 1–4 people | 5–8 people |
|---|---|---|
| Guaranteed (moderate) | $122,800 | $162,100 |
| Direct: low income | $55,350 | $73,100 |
| Direct: very low | $34,600 | $45,700 |
For 9+ people, add 8% of the 4-person limit per extra person.
Am I under the limit?
A quick check of gross income against the guaranteed limit. Lenders subtract allowed deductions (e.g. $480 per child, childcare, elderly household) to get adjusted income.
Related
- USDA limits across Louisianaevery county
- FHA limit, Acadia Parish$541,287
- Acadia Parish property tax0.31%
- USDA property eligibility mapcheck an address
Source: USDA Rural Development, Single Family Housing Guaranteed Loan Program income limits, FY2026 (PN 657, effective Jul 13, 2026). Limits apply to adjusted household income (all adult members). The property must also be in a USDA-eligible rural area. Check the address on the USDA eligibility site. Not lending advice.
Major Cities & Counties in Louisiana
Largest by population (Census ACS 2020–2024). Property tax for each:
- New Orleans pop. 371,853
- Baton Rouge pop. 222,771
- Shreveport pop. 180,982
- Metairie pop. 139,729
- Lafayette pop. 121,715
- Lake Charles pop. 81,143
- Kenner pop. 64,904
- Bossier City pop. 62,901
- Alexandria pop. 44,060
- Prairieville pop. 35,238
- East Baton Rouge Parish pop. 452,938
- Jefferson Parish pop. 430,920
- Orleans Parish pop. 371,853
- St. Tammany Parish pop. 272,421
- Lafayette Parish pop. 247,997
- Caddo Parish pop. 230,004
- Calcasieu Parish pop. 207,088
- Ouachita Parish pop. 158,480
- Livingston Parish pop. 148,115
- Tangipahoa Parish pop. 136,738
Frequently asked questions
What is the USDA income limit in Acadia Parish?
To qualify for a USDA guaranteed home loan in Acadia Parish, Louisiana, household income must be at or below $122,800 for 1–4 people or $162,100 for 5–8 people (FY2026).
Does a USDA loan require a down payment?
No. USDA guaranteed loans finance up to 100% of the appraised value, with a 1% upfront fee and a 0.35% annual fee.
Does USDA count everyone's income?
Yes. Eligibility uses the income of all adult household members, even if they aren't on the loan, after allowed deductions.
Is all of Acadia Parish eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.