To qualify for a USDA guaranteed home loan in Sioux County, Iowa, household income must be at or below $126,300 for 1–4 people or $166,750 for 5–8 people (FY2026).
$54,900Very low income, 1–4 people
Limits by household size
| Program | 1–4 people | 5–8 people |
|---|---|---|
| Guaranteed (moderate) | $126,300 | $166,750 |
| Direct: low income | $87,850 | $116,000 |
| Direct: very low | $54,900 | $72,500 |
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 Iowaevery county
- FHA limit, Sioux County$541,287
- Sioux County property tax1.12%
- 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 Iowa
Largest by population (Census ACS 2020–2024). Property tax for each:
- Des Moines pop. 212,421
- Cedar Rapids pop. 137,264
- Davenport pop. 100,913
- Sioux City pop. 86,101
- Iowa City pop. 75,752
- Ankeny pop. 72,615
- West Des Moines pop. 71,083
- Ames pop. 67,669
- Waterloo pop. 67,008
- Council Bluffs pop. 62,586
- Polk County pop. 503,175
- Linn County pop. 230,004
- Scott County pop. 174,608
- Johnson County pop. 156,639
- Black Hawk County pop. 131,049
- Dallas County pop. 107,968
- Woodbury County pop. 106,247
- Story County pop. 100,466
- Dubuque County pop. 99,030
- Pottawattamie County pop. 93,424
Frequently asked questions
What is the USDA income limit in Sioux County?
To qualify for a USDA guaranteed home loan in Sioux County, Iowa, household income must be at or below $126,300 for 1–4 people or $166,750 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 Sioux County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.