To qualify for a USDA guaranteed home loan in Humboldt County, Nevada, household income must be at or below $122,800 for 1–4 people or $162,100 for 5–8 people (FY2026).
$52,750Very 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 | $84,400 | $111,450 |
| Direct: very low | $52,750 | $69,650 |
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 Nevadaevery county
- FHA limit, Humboldt County$541,287
- Humboldt County property tax0.49%
- 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 Nevada
Largest by population (Census ACS 2020–2024). Property tax for each:
- Las Vegas pop. 660,400
- Henderson pop. 332,141
- North Las Vegas pop. 278,595
- Reno pop. 273,212
- Enterprise pop. 240,464
- Spring Valley pop. 219,187
- Sunrise Manor pop. 200,218
- Paradise pop. 185,913
- Sparks pop. 110,024
- Carson City pop. 58,384
- Clark County pop. 2,329,548
- Washoe County pop. 497,200
- Lyon County pop. 61,680
- Carson City pop. 58,384
- Nye County pop. 54,344
- Elko County pop. 54,047
- Douglas County pop. 49,623
- Churchill County pop. 25,805
- Humboldt County pop. 17,289
- White Pine County pop. 8,735
Frequently asked questions
What is the USDA income limit in Humboldt County?
To qualify for a USDA guaranteed home loan in Humboldt County, Nevada, 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 Humboldt County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.