Minnesota USDA Loans
My state-specific information
Eligibility Requirements – Minnesota
Residents of the Land of 10,000 Lakes have a wonderful opportunity thanks to home loans from the USDA. For a family of 1-4 in Minnesota, the average household income limit for a USDA loan is about $121,900, and it can be as high as $197,750 for a family of 5 or more. With no down payment or qualifying assets required, a USDA loan might be just what you’re looking for. Fill out the form below to get in touch with one of our USDA loan specialists and take the first step towards your new home.
The map below shows the areas of Minnesota that qualify for USDA loans. For more info on what areas qualify, check out the USDA property eligibility screen.
Minnesota USDA Income Limits (Moderate Income – Guaranteed Loan)
Minnesota’s standard USDA income limit is higher than many states, and select metro/high-cost areas have increased limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Minnesota Limit (Most Counties & MSAs) | $121,900 | $160,950 |
| Duluth, MN-WI MSA | $121,900 | $160,950 |
| Mankato, MN MSA | $121,900 | $160,950 |
| St. Cloud, MN MSA | $121,900 | $160,950 |
| Grand Forks, ND-MN MSA | $124,500 | $164,350 |
| McLeod County, MN | $125,200 | $165,300 |
| Rice County, MN | $123,850 | $163,500 |
| La Crosse-Onalaska, WI-MN HUD Metro FMR Area | $123,500 | $163,050 |
| Goodhue County, MN | $130,150 | $171,800 |
| Steele County, MN | $132,050 | $174,350 |
| Fargo, ND-MN MSA | $132,950 | $175,500 |
| Le Sueur County, MN HUD Metro FMR Area | $134,350 | $177,350 |
| Rochester, MN HUD Metro FMR Area | $144,450 | $190,700 |
| Minneapolis–St. Paul–Bloomington, MN-WI HUD Metro FMR Area | $149,800 | $197,750 |
| Pennington County, MN | $122,100 | $161,200 |
| Mille Lacs County, MN HUD Metro FMR Area | $121,900 | $160,950 |
| Fillmore County, MN HUD Metro FMR Area | $121,900 | $160,950 |
| Wabasha County, MN HUD Metro FMR Area | $121,900 | $160,950 |
| Rock County, MN HUD Metro FMR Area | $121,900 | $160,950 |
USDA income limits in Minnesota are based on total household income and household size. This includes income from all adult household members (not just the borrower).
If your household income falls within the limit for your county/metro area, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your Minnesota USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Minnesota. 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 maximum loan amount in Minnesota.
- 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 Minnesota 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 – Minnesota
