USDA Home Loan Income Limits

USDA Home Loans remain a top choice for North Carolina homebuyers, especially with the 2025 income limits increasing once again! These no-down-payment loans offer lower interest rates and reduced monthly mortgage insurance compared to FHA or Conventional loans, making them an excellent option for many families.  USDA Home Loan income limits in NC, generally allow you to purchase upto a home valued at $425,000 with no down payment (depending on your other debts)… maybe more!

To qualify, the home must be located in an eligible USDA area, and household income must fall below the updated limits. For most counties in NC, the new 2025 USDA income limits are:

• $112,450 for households of 1–4 people
• $148,450 for households of 5–8 people

If your household has more than 8 members, the limit increases by 8% per additional person.

Some areas have even higher limits based on their Metropolitan Statistical Area (MSA). For example:

• Durham-Chapel Hill MSA: $116,300 for 1–4 people, $153,500 for 5–8 people
• Raleigh-Cary MSA: $130,300 for 1–4 people, $172,000 for 5–8 people

These increased limits enable more North Carolinians to qualify and consider purchasing a larger or more conveniently located home.  If you have enough reserves to make a 20% down payment, then you do not qualify for a USDA Home Loan in NC.

USDA Home Loans are no down payment loans with lower mortgage interest rates than Conventional Loans. Two of the major USDA Home Loan Qualifying Requirements are that the property be located within a “designated” USDA Home Loan area – and the household income must not exceed the limits below.  The 2025 change to USDA Home Loan Income limits in North Carolina saw increases in the income limits for all 100 counties in the State.

Three Types of USDA Home Loans Available in NC

Get ready to dive into the world of USDA home loans, where opportunities are as vibrant as your dreams! Whether you’re aiming for a cozy abode or a stylish space, USDA’s got your back. Check out the awesome options that’ll make your home sweet home journey a breeze.

First up, we’ve got the Single-Family Direct Loan – the ultimate champion for low- and very-low-income superheroes.  USDA’s got your financial cape covered, with full funding, service, and insurance. You get to choose from not one, but two repayment options – the 33-year and the 38-year plans. Your income level, your call!  These loans are only available Directly from the local USDA Offices, you can’t get them from Banks or Brokers.

Feeling the moderate-income vibes? Say hello to the Single-Family Guaranteed Loan! We CAN help you with these USDA Home loans, while USDA adds that extra layer of protection against default.  Because they are backed by USDA, the mortgage interest rates for these loans and the total monthly cost for these loans is lower than you will have with a traditional Conventional loan or a FHA Mortgage Loan.  Flexibility is the name of the game, with 15-year and 30-year fixed-rate options. Your dream home just got a whole lot closer!

But wait, there’s more! Introducing the Single-Family Housing Repair Loan – your ticket to turning your current pad into a paradise. We’re talking modernizing, improving, and waving goodbye to those safety hazards. The loan amount? It’s all about that “As Improved” area.  Meaning, we are looking at the value for the “finished” improvements to the home.  

And guess what? You can even spice up your kitchen in the new house you’re eyeing. Got non-structural repairs under $35,000 on your mind? You’re good to go with a USDA Renovation Loan! Need to tackle a few bigger fixes, like a shiny new roof? As long as part of that cash is heading toward structural matters, consider it sorted.

Plus, your monthly mortgage insurance rate? A teeny-tiny .4%. That’s less than half the cost of those FHA fees. And here’s the scoop: no sneaky prepayment penalties or hidden fees. It’s all about transparency and making your life easier.

Okay, okay, we know you’ve got questions about eligibility. Fear not, because USDA loans are all about simplicity. Sure, they’ve got their requirements, but they’re not rocket science.  USDA Loan Income limits change in 2025 in NC – the best part is that we can use those HIGHER loan amounts now!  

Give us a shout at 919-649-5058. Let’s make those dreams a reality!

Here are a few facts that ARE easy to understand

• USDA 100% Home Loans in NC offer Renovation Loans
• USDA 100% Home Loans in NC are 30 year fixed rate mortgages
• USDA 100% Home Loans in NC have very competitive interest rates
• USDA 100% Home Loans in NC are for Owner Occupied Properties
• USDA 100% Home Loan Financing does not have pre-payment penalties
• USDA 100% Home Loan Financing does not require a down payment
• USDA 100% Home Loan Financing requires a very low monthly mortgage insurance (especially when you compare it to Conventional Loans or FHA Loans)

USDA Home Loan Income Limits in NC By County / MSA

WHAT IS A MSA?

METROPOLITAN STATISTICAL AREA (MSA):  “An area with at least one urbanized area of 50,000 or more population, plus adjacent territory that has a high degree of social and economic integration with the core, as measured by commuting ties.”  In otherwords, in NC a MSA is a Metro area, and it’s ALSO used when there’s a “Suburb” area to a Metro.  Great example of that is Harnett County.  I don’t think many people would consider Harnett County a Metropolitan Area – however, it is close enough to Raleigh and Fayetteville that it’s not isolated like some other rural areas in NC.  Because of that, there’s a subtle difference in the map for Harnett County for USDA Home Loans.

USDA Home Loan Income Limits for Asheville, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Haywood County, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Burlington, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Charlotte-Concord-Gastonia, NC-SC MSA*
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Durham-Chapel Hill, NC MSA
Family of 1-4: $121,750 | Family of 5+: $160,750

USDA Home Loan Income Limits for Person County, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Fayetteville, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Hoke County, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Goldsboro, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Greensboro-High Point, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Rockingham County, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Greenville, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Hickory-Lenoir-Morganton, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Jacksonville, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Raleigh-Cary, NC MSA
Family of 1-4: $140,600 | Family of 5+: $185,600

USDA Home Loan Income Limits for Rocky Mount, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Wilmington, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Winston-Salem, NC MSA
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Alleghany County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Anson County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Ashe County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Avery County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Beaufort County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Bertie County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Bladen County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Camden County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Carteret County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Caswell County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Cherokee County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Chowan County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Clay County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Cleveland County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Columbus County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Craven County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Dare County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Davidson County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Duplin County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Gates County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Graham County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Granville County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Greene County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Halifax County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Harnett County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Hertford County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Hyde County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Iredell County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Jackson County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Jones County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Lee County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Lenoir County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Lincoln County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Macon County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Martin County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for McDowell County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Mitchell County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Montgomery County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Moore County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Northampton County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Pamlico County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Pasquotank County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Perquimans County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Polk County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Richmond County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Robeson County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Rowan County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Rutherford County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Sampson County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA  Loan Income Limits for Scotland County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Stanly County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA  Loan Income Limits for Surry County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Swain County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA  Loan Income Limits for Transylvania County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Tyrrell County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA  Loan Income Limits for Vance County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Warren County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Washington County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Watauga County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Wilkes County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Home Loan Income Limits for Wilson County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

USDA Loan Income Limits for Yancey County, NC
Family of 1-4: $112,450 | Family of 5+: $148,450

The USDA Home Loan Income Limits Change in 2025 is great news for families in NC who want to be able to afford a little bigger home!If you’re considering a USDA Home Loan in North Carolina, please call Steve and Eleanor Thorne 919 649 5058. We are experts when it comes to this program, we’ve helped thousands of customers buy houses in NC with the USDA Home Loan Program, and we would love to help you too!!