To qualify for a USDA guaranteed home loan in Hillsborough County, Florida, household income must be at or below $131,900 for 1–4 people or $174,150 for 5–8 people (FY2026).
$57,350Very low income, 1–4 people
Limits by household size
| Program | 1–4 people | 5–8 people |
|---|---|---|
| Guaranteed (moderate) | $131,900 | $174,150 |
| Direct: low income | $91,750 | $121,150 |
| Direct: very low | $57,350 | $75,700 |
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 Floridaevery county
- FHA limit, Hillsborough County$541,287
- Hillsborough County property tax0.81%
- 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 Florida
Largest by population (Census ACS 2020–2024). Property tax for each:
- Jacksonville pop. 977,670
- Miami pop. 459,745
- Tampa pop. 401,618
- Orlando pop. 319,758
- St. Petersburg pop. 262,732
- Port St. Lucie pop. 232,491
- Hialeah pop. 226,165
- Cape Coral pop. 215,536
- Tallahassee pop. 201,875
- Fort Lauderdale pop. 185,604
- Miami-Dade County pop. 2,738,356
- Broward County pop. 1,977,129
- Palm Beach County pop. 1,533,806
- Hillsborough County pop. 1,522,748
- Orange County pop. 1,471,937
- Duval County pop. 1,023,153
- Pinellas County pop. 963,481
- Lee County pop. 817,666
- Polk County pop. 790,694
- Brevard County pop. 632,780
Frequently asked questions
What is the USDA income limit in Hillsborough County?
To qualify for a USDA guaranteed home loan in Hillsborough County, Florida, household income must be at or below $131,900 for 1–4 people or $174,150 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 Hillsborough County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.