Massachusetts USDA Loans
My state-specific information
Eligibility Requirements – Massachusetts
House-hunting in Massachusetts? Make things simpler with a USDA home loan. For a family of 1-4 in Massachusetts, the average income limit for a USDA loan is about $131,450, and can be as high as $251,400 for a family of 5 or more. Contact one of our USDA loan specialists to get started and get into your new home!
The map below shows the areas of Massachusetts that qualify for USDA loans. For more information on qualifying areas, head to the USDA property eligibility screen.
Massachusetts USDA Income Limits (Moderate Income – Guaranteed Loan)
Massachusetts has some of the highest USDA income limits in the country due to elevated housing costs.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Massachusetts Limit (Many Counties & MSAs) | $152,500 | $201,300 |
| Providence-Fall River, RI-MA HUD Metro FMR Area (MA Portion) | $131,450 | $173,550 |
| Barnstable Town, MA MSA | $153,550 | $202,700 |
| Dukes County, MA | $155,850 | $205,750 |
| Easton-Raynham, MA HUD Metro FMR Area | $161,150 | $212,750 |
| Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area | $190,200 | $251,100 |
| Nantucket County, MA | $190,450 | $251,400 |
USDA income limits in Massachusetts are based on total household income and household size. This includes income from all adult members of the household—not just the borrower. Because of high housing costs throughout much of the state, Massachusetts USDA limits are significantly higher than many other states.
If your total household income is within the limit for your area and household size, you may qualify for a USDA Guaranteed loan with 100% financing (no down payment).
Check Your Massachusetts USDA Eligibility
USDA loans are available in eligible rural and suburban areas across Massachusetts. We can quickly:
- Verify your income eligibility based on household size
- Confirm the home address is in a USDA-eligible area
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on household size, verified income, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in Massachusetts.
- 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 Massachusetts 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 – Massachusetts
