To qualify for a USDA guaranteed home loan in Spotsylvania County, Virginia, household income must be at or below $153,550 for 1–4 people or $202,700 for 5–8 people (FY2026).
$83,050Very low income, 1–4 people
Limits by household size
| Program | 1–4 people | 5–8 people |
|---|---|---|
| Guaranteed (moderate) | $153,550 | $202,700 |
| Direct: low income | $106,800 | $141,000 |
| Direct: very low | $83,050 | $109,650 |
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 Virginiaevery county
- FHA limit, Spotsylvania County$1,249,125
- Spotsylvania County property tax0.58%
- 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 Virginia
Largest by population (Census ACS 2020–2024). Property tax for each:
- Virginia Beach pop. 456,349
- Chesapeake pop. 252,583
- Arlington pop. 236,254
- Norfolk pop. 233,596
- Richmond pop. 229,359
- Newport News pop. 184,216
- Alexandria pop. 156,976
- Hampton pop. 137,557
- Suffolk pop. 98,796
- Roanoke pop. 98,355
- Fairfax County pop. 1,147,837
- Prince William County pop. 488,880
- Virginia Beach city pop. 456,349
- Loudoun County pop. 432,998
- Chesterfield County pop. 377,869
- Henrico County pop. 335,744
- Chesapeake city pop. 252,583
- Arlington County pop. 236,254
- Norfolk city pop. 233,596
- Richmond city pop. 229,359
Frequently asked questions
What is the USDA income limit in Spotsylvania County?
To qualify for a USDA guaranteed home loan in Spotsylvania County, Virginia, household income must be at or below $153,550 for 1–4 people or $202,700 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 Spotsylvania County eligible for USDA loans?
Not necessarily. Eligibility depends on the property address, and larger towns are often excluded. Check the USDA map.