Most common limit (1–4 people)
$122,800
FY2026 USDA guaranteed loan income limits in New York range from $122,800 to $195,050 for a 1–4 person household, depending on the county.
$195,050highest county limit
All New York counties
| County | 1–4 people | 5–8 people |
|---|---|---|
| Albany County | $141,600 | $186,950 |
| Allegany County | $122,800 | $162,100 |
| Bronx County | $195,050 | $257,500 |
| Broome County | $122,800 | $162,100 |
| Cattaraugus County | $122,800 | $162,100 |
| Cayuga County | $122,800 | $162,100 |
| Chautauqua County | $122,800 | $162,100 |
| Chemung County | $122,800 | $162,100 |
| Chenango County | $122,800 | $162,100 |
| Clinton County | $122,800 | $162,100 |
| Columbia County | $134,350 | $177,350 |
| Cortland County | $122,800 | $162,100 |
| Delaware County | $122,800 | $162,100 |
| Dutchess County | $144,750 | $191,100 |
| Erie County | $122,800 | $162,100 |
| Essex County | $122,800 | $162,100 |
| Franklin County | $122,800 | $162,100 |
| Fulton County | $122,800 | $162,100 |
| Genesee County | $122,800 | $162,100 |
| Greene County | $122,800 | $162,100 |
| Hamilton County | $122,800 | $162,100 |
| Herkimer County | $122,800 | $162,100 |
| Jefferson County | $122,800 | $162,100 |
| Kings County | $195,050 | $257,500 |
| Lewis County | $122,800 | $162,100 |
| Livingston County | $123,050 | $162,450 |
| Madison County | $122,850 | $162,200 |
| Monroe County | $123,050 | $162,450 |
| Montgomery County | $122,800 | $162,100 |
| Nassau County | $184,150 | $243,100 |
| New York County | $195,050 | $257,500 |
| Niagara County | $122,800 | $162,100 |
| Oneida County | $122,800 | $162,100 |
| Onondaga County | $122,850 | $162,200 |
| Ontario County | $123,050 | $162,450 |
| Orange County | $144,750 | $191,100 |
| Orleans County | $123,050 | $162,450 |
| Oswego County | $122,850 | $162,200 |
| Otsego County | $122,800 | $162,100 |
| Putnam County | $195,050 | $257,500 |
| Queens County | $195,050 | $257,500 |
| Rensselaer County | $141,600 | $186,950 |
| Richmond County | $195,050 | $257,500 |
| Rockland County | $195,050 | $257,500 |
| Saratoga County | $141,600 | $186,950 |
| Schenectady County | $141,600 | $186,950 |
| Schoharie County | $141,600 | $186,950 |
| Schuyler County | $122,800 | $162,100 |
| Seneca County | $122,800 | $162,100 |
| St. Lawrence County | $122,800 | $162,100 |
| Steuben County | $122,800 | $162,100 |
| Suffolk County | $184,150 | $243,100 |
| Sullivan County | $122,800 | $162,100 |
| Tioga County | $122,800 | $162,100 |
| Tompkins County | $138,350 | $182,650 |
| Ulster County | $137,800 | $181,900 |
| Warren County | $122,800 | $162,100 |
| Washington County | $122,800 | $162,100 |
| Wayne County | $123,050 | $162,450 |
| Westchester County | $182,700 | $241,200 |
| Wyoming County | $122,800 | $162,100 |
| Yates 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 York?
FY2026 USDA guaranteed loan income limits in New York range from $122,800 to $195,050 for a 1–4 person household, depending on the county.
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