Indiana USDA Loans
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Eligibility Requirements – Indiana
Looking for a home in Indiana? A USDA loan may be just the thing for you. For a family of 1-4 in Indiana, the average household income limit for a USDA loan is about $119,850, and can be as high as $169,800 for a family of 5 or more. To learn more about how to get started with your USDA loan, fill out the short form below to get in touch with one of our loans specialists.
The map below shows the areas of Indiana eligible for USDA loans. For more information on qualifying areas and properties, check out the USDA property eligibility screen.
Indiana USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of Indiana follow the standard USDA income limit. Select metro areas have higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Indiana Limit (Most Counties & MSAs) | $119,850 | $158,250 |
| Bloomington, IN HUD Metro FMR Area | $124,650 | $164,550 |
| Cincinnati, OH-KY-IN HUD Metro FMR Area | $128,600 | $169,800 |
| Indianapolis-Carmel, IN HUD Metro FMR Area | $127,300 | $168,050 |
USDA income limits in Indiana are based on where the home is located and how many people live in the household. These limits apply to total household income (all adult income earners), not just the borrower’s income. Most Indiana counties use the standard USDA income limit, but a few metro areas have higher limits due to local housing costs. If you’re close to the limit—or want to confirm which category your county falls into—we can help you verify eligibility quickly.
Check Your Indiana USDA Eligibility
USDA loans offer 100% financing (no down payment) for eligible rural and suburban areas. To qualify, you’ll need to meet
income limits, credit and debt-to-income guidelines, and the property must be in a USDA-eligible location.
- Verify your county income limit (1–4 vs. 5+ household members)
- Confirm the home address is in a USDA-eligible area
- Get a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and can change annually. Final eligibility depends on household size, county, and program guidelines.
- 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 Indiana 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 – Indiana
