To qualify for a USDA guaranteed home loan in Henderson County, North Carolina, household income must be at or below $122,800 for 1–4 people or $162,100 for 5–8 people (FY2026).
$51,200Very 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 | $81,900 | $108,150 |
| Direct: very low | $51,200 | $67,550 |
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 North Carolinaevery county
- FHA limit, Henderson County$541,287
- Henderson County property tax0.52%
- 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 North Carolina
Largest by population (Census ACS 2020–2024). Property tax for each:
- Charlotte pop. 903,844
- Raleigh pop. 481,031
- Greensboro pop. 301,198
- Durham pop. 291,467
- Winston-Salem pop. 252,037
- Fayetteville pop. 210,815
- Cary pop. 179,306
- Wilmington pop. 120,805
- High Point pop. 116,245
- Concord pop. 108,719
- Wake County pop. 1,178,653
- Mecklenburg County pop. 1,154,681
- Guilford County pop. 547,940
- Forsyth County pop. 389,977
- Cumberland County pop. 338,545
- Durham County pop. 332,353
- Buncombe County pop. 274,360
- Union County pop. 250,958
- Cabarrus County pop. 236,133
- New Hanover County pop. 235,229
Frequently asked questions
What is the USDA income limit in Henderson County?
To qualify for a USDA guaranteed home loan in Henderson County, North Carolina, 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 Henderson County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.