Most common limit (1–4 people)
$124,900
FY2026 USDA guaranteed loan income limits in California range from $124,900 to $282,450 for a 1–4 person household, depending on the county.
$282,450highest county limit
All California counties
| County | 1–4 people | 5–8 people |
|---|---|---|
| Alameda County | $195,150 | $257,600 |
| Alpine County | $143,550 | $189,500 |
| Amador County | $127,100 | $167,800 |
| Butte County | $124,900 | $164,900 |
| Calaveras County | $124,900 | $164,900 |
| Colusa County | $124,900 | $164,900 |
| Contra Costa County | $195,150 | $257,600 |
| Del Norte County | $124,900 | $164,900 |
| El Dorado County | $151,100 | $199,500 |
| Fresno County | $124,900 | $164,900 |
| Glenn County | $124,900 | $164,900 |
| Humboldt County | $124,900 | $164,900 |
| Imperial County | $124,900 | $164,900 |
| Inyo County | $124,900 | $164,900 |
| Kern County | $124,900 | $164,900 |
| Kings County | $124,900 | $164,900 |
| Lake County | $124,900 | $164,900 |
| Lassen County | $124,900 | $164,900 |
| Los Angeles County | $193,500 | $255,450 |
| Madera County | $124,900 | $164,900 |
| Marin County | $241,650 | $319,000 |
| Mariposa County | $124,900 | $164,900 |
| Mendocino County | $124,900 | $164,900 |
| Merced County | $124,900 | $164,900 |
| Modoc County | $124,900 | $164,900 |
| Mono County | $129,150 | $170,500 |
| Monterey County | $199,900 | $263,900 |
| Napa County | $205,800 | $271,700 |
| Nevada County | $143,850 | $189,950 |
| Orange County | $213,950 | $282,450 |
| Placer County | $151,100 | $199,500 |
| Plumas County | $124,900 | $164,900 |
| Riverside County | $141,450 | $186,750 |
| Sacramento County | $151,100 | $199,500 |
| San Benito County | $169,050 | $223,150 |
| San Bernardino County | $141,450 | $186,750 |
| San Diego County | $201,100 | $265,500 |
| San Francisco County | $241,650 | $319,000 |
| San Joaquin County | $124,900 | $164,900 |
| San Luis Obispo County | $175,950 | $232,250 |
| San Mateo County | $241,650 | $319,000 |
| Santa Barbara County | $209,450 | $276,500 |
| Santa Clara County | $233,450 | $308,200 |
| Santa Cruz County | $282,450 | $372,850 |
| Shasta County | $124,900 | $164,900 |
| Sierra County | $124,900 | $164,900 |
| Siskiyou County | $124,900 | $164,900 |
| Solano County | $158,000 | $208,600 |
| Sonoma County | $189,550 | $250,250 |
| Stanislaus County | $124,900 | $164,900 |
| Sutter County | $124,900 | $164,900 |
| Tehama County | $124,900 | $164,900 |
| Trinity County | $124,900 | $164,900 |
| Tulare County | $124,900 | $164,900 |
| Tuolumne County | $124,900 | $164,900 |
| Ventura County | $180,550 | $238,350 |
| Yolo County | $149,050 | $196,750 |
| Yuba County | $124,900 | $164,900 |
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.
Frequently asked questions
What is the USDA income limit in California?
FY2026 USDA guaranteed loan income limits in California range from $124,900 to $282,450 for a 1–4 person household, depending on the county.
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