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USDA Income Limits in PA

USDA income limitsLooking for the USDA income limits for Pennsylvania counties? Look no further, here they are. Does your annual income exceed these limits? The USDA home loan allows for "adjustments" to these income limits. Eligibility income includes all income (salary, tips, bonus, overtime, alimony, child support, etc..) received by the applicant and co-applicant(s). This income is used to calculate qualifying ratios. Last updated 1/2020

USDA loan income limits vary by the Pennsylvania and the metropolitan statistical area (MSA) and household size with a base income-limit for the entire U.S.

The Pennsylvania base USDA income limits are:

1-4 member household: $86,850
5-8 member household: $114,650

There are exceptions to the prevalent income limits, notably the MSA areas. The MSA areas are contiguous geographic areas with a relatively high density of human population. The MSA may include several adjacent counties. The MSA usually have a higher income limits for the USDA home loan program.

USDA income adjustments:

The gross annual income can be adjusted with the following:

  • Each minor child under 18 years of age - subtract $480 per child
  • Each disabled or handicapped individual who is not the applicant or co applicant - subtract $480 for each disabled or handicapped individual
  • Each full time student 18 years or older - subtract $480 for each full time student
  • Each elderly (62 years of age or older) or disabled applicant - subtract $400 for each elderly (62 years of age or older)
  • Medical expenses for any elderly family member - Total that exceeds 3% of gross annual income
  • Child care expenses for children 12 years old or under - Actual cost of care, supported by full documentation of cost

The USDA publishes the county and MSA income limits annually. Here is the link to the publication:

Scroll down to Pennsylvania to the county or MSA area and see the MOD. INC. GUAR.LOAN line

USDA income limits

USDA income lookup

The USDA provides a lookup tool and income calculator, here's the link:
Income eligibility

The monthly income screen refers to monthly income. You can estimate your monthly income with the income calculator

USDA monthly income screen

The home must be located in a USDA eligible area

USDA property lookup