To qualify for a USDA guaranteed home loan in Fillmore County, Nebraska, household income must be at or below $124,050 for 1–4 people or $163,750 for 5–8 people (FY2026).
$53,950Very low income, 1–4 people
Limits by household size
| Program | 1–4 people | 5–8 people |
|---|---|---|
| Guaranteed (moderate) | $124,050 | $163,750 |
| Direct: low income | $86,300 | $113,950 |
| Direct: very low | $53,950 | $71,250 |
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 Nebraskaevery county
- FHA limit, Fillmore County$541,287
- Fillmore County property tax0.99%
- 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 Nebraska
Largest by population (Census ACS 2020–2024). Property tax for each:
- Omaha pop. 488,837
- Lincoln pop. 294,856
- Bellevue pop. 64,510
- Grand Island pop. 52,884
- Kearney pop. 34,246
- Fremont pop. 27,567
- Norfolk pop. 26,054
- Papillion pop. 25,244
- Hastings pop. 25,008
- Columbus pop. 24,488
- Douglas County pop. 590,736
- Lancaster County pop. 326,696
- Sarpy County pop. 197,389
- Hall County pop. 62,536
- Buffalo County pop. 50,579
- Dodge County pop. 37,351
- Scotts Bluff County pop. 35,843
- Madison County pop. 35,532
- Platte County pop. 34,716
- Lincoln County pop. 33,802
Frequently asked questions
What is the USDA income limit in Fillmore County?
To qualify for a USDA guaranteed home loan in Fillmore County, Nebraska, household income must be at or below $124,050 for 1–4 people or $163,750 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 Fillmore County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.