USDA Loan Eligibility in Alabama (Income Limits & Requirements)
My state-specific information
Eligibility Requirements – Alabama
The average household income limits for a USDA home loan in Alabama are around $119,850 for a 1-4 person household. With 5 or more residents of the household the USDA income limits can be as high as $175,400.
Call or fill out a quick online form to see if you can qualify for a USDA loan in Alabama.
USDA Loans can be used for new or existing properties. USDA income limits and property eligibility must be met in order to qualify for a 100% financing USDA loan. If you have any questions regarding eligibility for the program, feel free to reach out to one of our USDA loan experts.
The map below shows the USDA loan eligible areas for the entire state of Alabama. As you can see the majority of the state qualifies for USDA financing. Go to the USDA property eligibility screen for more specific information.
Alabama USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of Alabama follow the standard USDA income limit. The Huntsville metro area has higher limits due to local housing costs.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Alabama Limit (Most Counties & MSAs) | $119,850 | $158,250 |
| Huntsville, AL MSA | $132,850 | $175,400 |
USDA income limits in Alabama 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 Alabama USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Alabama. 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 assets needed to qualify
- No maximum loan amount in Alabama!
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Alabama 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 – Alabama
