Most common limit (1–4 people)
$122,800
FY2026 USDA guaranteed loan income limits in New Mexico range from $122,800 to $153,550 for a 1–4 person household, depending on the county.
$153,550highest county limit
All New Mexico counties
| County | 1–4 people | 5–8 people |
|---|---|---|
| Bernalillo County | $122,800 | $162,100 |
| Catron County | $122,800 | $162,100 |
| Chaves County | $122,800 | $162,100 |
| Cibola County | $122,800 | $162,100 |
| Colfax County | $122,800 | $162,100 |
| Curry County | $122,800 | $162,100 |
| De Baca County | $122,800 | $162,100 |
| Doña Ana County | $122,800 | $162,100 |
| Eddy County | $122,800 | $162,100 |
| Grant County | $122,800 | $162,100 |
| Guadalupe County | $122,800 | $162,100 |
| Harding County | $122,800 | $162,100 |
| Hidalgo County | $122,800 | $162,100 |
| Lea County | $122,800 | $162,100 |
| Lincoln County | $122,800 | $162,100 |
| Los Alamos County | $153,550 | $202,700 |
| Luna County | $122,800 | $162,100 |
| McKinley County | $122,800 | $162,100 |
| Mora County | $122,800 | $162,100 |
| Otero County | $122,800 | $162,100 |
| Quay County | $122,800 | $162,100 |
| Rio Arriba County | $122,800 | $162,100 |
| Roosevelt County | $122,800 | $162,100 |
| San Juan County | $122,800 | $162,100 |
| San Miguel County | $122,800 | $162,100 |
| Sandoval County | $122,800 | $162,100 |
| Santa Fe County | $125,800 | $166,100 |
| Sierra County | $122,800 | $162,100 |
| Socorro County | $122,800 | $162,100 |
| Taos County | $122,800 | $162,100 |
| Torrance County | $122,800 | $162,100 |
| Union County | $122,800 | $162,100 |
| Valencia County | $122,800 | $162,100 |
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 New Mexico?
FY2026 USDA guaranteed loan income limits in New Mexico range from $122,800 to $153,550 for a 1–4 person household, depending on the county.
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