To qualify for a USDA guaranteed home loan in Richland County, North Dakota, household income must be at or below $126,650 for 1–4 people or $167,200 for 5–8 people (FY2026).
$55,050Very low income, 1–4 people
Limits by household size
| Program | 1–4 people | 5–8 people |
|---|---|---|
| Guaranteed (moderate) | $126,650 | $167,200 |
| Direct: low income | $88,100 | $116,300 |
| Direct: very low | $55,050 | $72,700 |
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 North Dakotaevery county
- FHA limit, Richland County$541,287
- Richland County property tax1.13%
- 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 North Dakota
Largest by population (Census ACS 2020–2024). Property tax for each:
- Fargo pop. 131,627
- Bismarck pop. 75,556
- Grand Forks pop. 59,042
- Minot pop. 47,791
- West Fargo pop. 40,094
- Williston pop. 28,056
- Dickinson pop. 25,357
- Mandan pop. 24,522
- Jamestown pop. 15,787
- Wahpeton pop. 8,010
- Cass County pop. 193,400
- Burleigh County pop. 100,600
- Grand Forks County pop. 72,923
- Ward County pop. 68,973
- Williams County pop. 39,555
- Morton County pop. 33,777
- Stark County pop. 33,302
- Stutsman County pop. 21,549
- Richland County pop. 16,584
- McKenzie County pop. 14,321
Frequently asked questions
What is the USDA income limit in Richland County?
To qualify for a USDA guaranteed home loan in Richland County, North Dakota, household income must be at or below $126,650 for 1–4 people or $167,200 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 Richland County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.