USDA Loan Eligibility in Texas (Income Limits & Requirements)
My state-specific information
Eligibility Requirements – Texas
USDA loans in Texas allow eligible homebuyers to purchase a home with no down payment in approved rural and suburban areas. Learn about USDA loan eligibility in Texas, including 2026 income limits, property requirements, and how to qualify for a zero down mortgage.
USDA loans are widely used in areas outside major metro centers like Dallas, Houston, Austin, and San Antonio, where many suburban and rural communities qualify for USDA financing.
The average household income limits for a USDA home loan in Texas is $119,850. The household limits also vary according to how many occupants in the home. With 5 or more occupants the limit can be as high as $197,750. To search the USDA home loan income limits per counties for the state of Texas, check out the USDA eligibility screen.
As you can see from the eligible area map below the majority of Texas qualifies for USDA financing.
Texas USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of Texas follow the standard USDA income limit. Select metro and higher-cost counties have increased limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Texas Limit (Most Counties & MSAs) | $119,850 | $158,250 |
| Austin–Round Rock–San Marcos, TX MSA | $149,800 | $197,750 |
| Kendall County, TX HUD Metro FMR Area | $149,800 | $197,750 |
| Dallas, TX HUD Metro FMR Area | $134,900 | $178,100 |
| Brazoria County, TX HUD Metro FMR Area | $133,550 | $176,300 |
| Fort Worth–Arlington, TX HUD Metro FMR Area | $122,700 | $162,000 |
| Wise County, TX HUD Metro FMR Area | $121,450 | $160,350 |
| Midland, TX HUD Metro FMR Area | $126,950 | $167,600 |
| Glasscock County, TX | $127,200 | $167,950 |
| Borden County, TX | $124,200 | $163,950 |
USDA income limits in Texas 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 be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your Texas USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Texas. 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.
Texas USDA Loan FAQs
What are USDA income limits in Texas?
Most areas follow standard USDA limits around $119,850 for a 1–4 person household, with higher limits in certain counties.
What areas qualify for USDA loans in Texas?
Many rural and suburban areas across Texas qualify, including locations outside major metro centers.
Do USDA loans require a down payment in Texas?
No. USDA loans offer 100% financing, meaning no down payment is required for eligible buyers.
What areas are eligible?
USDA Eligibility Map – Texas
