New York USDA Loans
My state-specific information
Eligibility Requirements – New York
That dream home waiting for you in the forested hills of New York could finally be within reach with a loan from the USDA. No down payment, no assets required, and fixed interest rates mean that USDA loans can fit just about any situation, and no maximum loan amounts means that the sky is the limit. Plus, for a family of 1-4 in New York, the average household income limit for a USDA loan is about $119,850 a year, and the limit can be as high as $245,950 for families of 5 or more. To find out more about how to make your dream a reality, fill out the form below and get in touch with one of our USDA loan specialists.
This map shows the areas of New York eligible for USDA loans. For more information on qualifying areas, head to the USDA property eligibility screen.
New York USDA Income Limits (Moderate Income – Guaranteed Loan)
Most upstate New York counties follow the standard USDA income limit, while downstate and Hudson Valley areas have significantly higher limits due to housing costs.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard New York Limit (Most Counties & MSAs) | $119,850 | $158,250 |
| Columbia County, NY | $129,600 | $171,100 |
| Albany-Schenectady-Troy, NY MSA | $135,500 | $178,900 |
| Kingston, NY MSA | $137,800 | $181,900 |
| Ithaca, NY MSA | $138,350 | $182,650 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY MSA | $141,450 | $186,750 |
| Westchester County, NY Statutory Exception Area | $166,100 | $219,300 |
| Nassau-Suffolk, NY HUD Metro FMR Area | $173,300 | $228,800 |
| New York, NY HUD Metro FMR Area | $186,300 | $245,950 |
| Rockland, NY HUD Income Limit Area | $186,300 | $245,950 |
USDA income limits in New York are based on total household income and household size. This includes income from all adult household members, not just the borrower.
If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your New York USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout New York. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in New York.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your New York USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – New York
