To qualify for a USDA guaranteed home loan in Sierra County, New Mexico, household income must be at or below $122,800 for 1–4 people or $162,100 for 5–8 people (FY2026).
$36,450Very 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 | $58,300 | $77,000 |
| Direct: very low | $36,450 | $48,150 |
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 Mexicoevery county
- FHA limit, Sierra County$541,287
- Sierra County property tax0.52%
- 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 Mexico
Largest by population (Census ACS 2020–2024). Property tax for each:
- Albuquerque pop. 562,218
- Las Cruces pop. 114,197
- Rio Rancho pop. 108,515
- Santa Fe pop. 89,019
- Roswell pop. 47,638
- Farmington pop. 46,314
- Hobbs pop. 40,252
- Clovis pop. 37,942
- South Valley pop. 37,120
- Carlsbad pop. 31,746
- Bernalillo County pop. 673,930
- Doña Ana County pop. 224,266
- Santa Fe County pop. 156,105
- Sandoval County pop. 153,604
- San Juan County pop. 120,942
- Valencia County pop. 78,458
- Lea County pop. 73,733
- McKinley County pop. 70,431
- Otero County pop. 68,816
- Chaves County pop. 64,217
Frequently asked questions
What is the USDA income limit in Sierra County?
To qualify for a USDA guaranteed home loan in Sierra County, New Mexico, 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 Sierra County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.