Connecticut USDA Loans
My state-specific information
Eligibility Requirements – Connecticut
Connecticut is a great state to take advantage of the USDA loan program. The average household income limits for a USDA home loan in the state of Connecticut are around $137,000 for a 1-4 person household. The income limits for the 5th named state can be as high as $232,550. There is a link below to search the USDA home loan income limits per counties for the state of Connecticut.
The map below shows the USDA loan eligible areas for the entire state of Connecticut. As you can see the majority of the state qualifies for USDA financing. Go to the USDA property eligibility screen for more specific information.
Connecticut USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of Connecticut follow the standard USDA limit. Fairfield County and certain shoreline towns have higher exception limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Connecticut Limit (Most Towns & Norwich MSA) | $137,000 | $180,850 |
| Hartford–West Hartford–East Hartford, CT MSA | $145,600 | $192,200 |
| Bridgeport–Stamford–Danbury, CT MSA | $155,050 | $204,700 |
| Shoreline Town Tier (Clinton, Essex, Deep River, Killingworth, Old Saybrook, Westbrook, Colchester, Lebanon, etc.) | $149,800 | $197,750 |
| Mid-Tier Towns (Bridgewater, New Milford, Lyme, Old Lyme) | $143,400 | $189,300 |
| Bristol / Union / Burlington / Hartland Tier | $140,100 | $184,950 |
| High-Cost Fairfield County Towns (Darien, Greenwich, New Canaan, Norwalk, Stamford, Weston, Westport, Wilton) |
$176,150 | $232,550 |
USDA income limits in Connecticut 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 qualify for a USDA loan with 100% financing (no down payment required).
Check Your Connecticut USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Connecticut. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate
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.
Because many Connecticut towns are classified as exception areas with higher income limits, we recommend completing a quick USDA prequalification so we can verify your exact town eligibility.
- NO down payment – Finance 100% of your home
- 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 Connecticut 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 – Connecticut
