To qualify for a USDA guaranteed home loan in Renville County, Minnesota, household income must be at or below $124,800 for 1–4 people or $164,750 for 5–8 people (FY2026).
$49,000Very low income, 1–4 people
Limits by household size
| Program | 1–4 people | 5–8 people |
|---|---|---|
| Guaranteed (moderate) | $124,800 | $164,750 |
| Direct: low income | $78,400 | $103,500 |
| Direct: very low | $49,000 | $64,700 |
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 Minnesotaevery county
- FHA limit, Renville County$541,287
- Renville County property tax1.04%
- 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 Minnesota
Largest by population (Census ACS 2020–2024). Property tax for each:
- Minneapolis pop. 427,246
- St. Paul pop. 307,284
- Rochester pop. 122,330
- Bloomington pop. 88,665
- Duluth pop. 87,093
- Brooklyn Park pop. 83,876
- Plymouth pop. 79,220
- Woodbury pop. 78,305
- Lakeville pop. 74,354
- Blaine pop. 72,488
- Hennepin County pop. 1,269,496
- Ramsey County pop. 542,945
- Dakota County pop. 445,771
- Anoka County pop. 370,349
- Washington County pop. 276,238
- St. Louis County pop. 200,123
- Olmsted County pop. 164,498
- Stearns County pop. 160,865
- Scott County pop. 154,557
- Wright County pop. 148,269
Frequently asked questions
What is the USDA income limit in Renville County?
To qualify for a USDA guaranteed home loan in Renville County, Minnesota, household income must be at or below $124,800 for 1–4 people or $164,750 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 Renville County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.