To qualify for a USDA guaranteed home loan in Schuyler County, New York, household income must be at or below $122,800 for 1–4 people or $162,100 for 5–8 people (FY2026).
$45,850Very 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 | $73,350 | $96,850 |
| Direct: very low | $45,850 | $60,550 |
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 New Yorkevery county
- FHA limit, Schuyler County$541,287
- Schuyler County property tax1.97%
- 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 New York
Largest by population (Census ACS 2020–2024). Property tax for each:
- New York pop. 8,483,844
- Buffalo pop. 276,854
- Yonkers pop. 209,978
- Rochester pop. 208,772
- Syracuse pop. 146,384
- Albany pop. 100,492
- New Rochelle pop. 82,769
- Cheektowaga pop. 76,056
- Mount Vernon pop. 72,427
- Schenectady pop. 68,847
- Kings County pop. 2,631,580
- Queens County pop. 2,323,052
- New York County pop. 1,629,477
- Suffolk County pop. 1,530,146
- Bronx County pop. 1,404,779
- Nassau County pop. 1,389,591
- Westchester County pop. 999,677
- Erie County pop. 950,622
- Monroe County pop. 753,753
- Richmond County pop. 494,956
Frequently asked questions
What is the USDA income limit in Schuyler County?
To qualify for a USDA guaranteed home loan in Schuyler County, New York, 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 Schuyler County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.