Kansas USDA Loans
My state-specific information
Eligibility Requirements – Kansas
In the market for a new home in Kansas? A home loan from the USDA might be just the thing for you. With no down payment, no maximum loan amount, and no assets needed to qualify, there’s never been a better time to be a home owner. For a family of 1-4 in Kansas, the average household income limit for a USDA loan is about $119,850, and for a family of 5 or more can be a high as $169,100. Fill out the form below to get in touch with one of our USDA loan specialists and take the first step toward your new home.
The map below shows the areas of Kansas eligible for USDA loans. For more information on qualifying areas and properties, check out the USDA property eligibility screen.
Kansas USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of Kansas follow the standard USDA income limit. A few metro areas (and one county) have higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Kansas Limit (Most Counties & MSAs) | $119,850 | $158,250 |
| Kansas City, MO-KS HUD Metro FMR Area | $128,100 | $169,100 |
| Nemaha County, KS | $122,600 | $161,850 |
USDA income limits in Kansas are determined by the property location and the number of people living in the household. These limits apply to total household income (all adult income earners), not just the borrower’s income. Most Kansas counties use the standard USDA limit, but select areas—such as the Kansas City metro—and Nemaha County have higher limits based on local housing costs. If you’re close to the limit or unsure which category applies to your county, we can help confirm eligibility quickly.
Check Your Kansas 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 Kansas 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 – Kansas
