Utah USDA Loans
My state-specific information
Eligibility Requirements – Utah
There’s never been a better time to buy a home in Utah. With a USDA home loan, you have no maximum loan amount, no qualifying assets or down payment required, and fixed interest rates mean that your payments won’t increase over time. For a family of 1-4 in Utah, the average household income limit for a USDA loan is about $119,850 a year, and for families of 5 or more the limit can be as high as $197,750. To find out more, fill out the form above and get in touch with one of our USDA loan specialists.
The map below shows the areas of Utah that qualify for USDA loans. For more information on qualifying areas, check out the USDA property eligibility screen.
Utah USDA Income Limits (Moderate Income – Guaranteed Loan)
Most rural Utah counties follow the standard USDA income limit. Higher-cost metro areas and select counties have increased limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Utah Limit (Most Rural Counties) | $124,350 | $164,150 |
| Tooele County, UT HUD Metro FMR Area | $126,850 | $167,450 |
| Logan, UT-ID MSA | $124,350 | $164,150 |
| St. George, UT MSA | $124,350 | $164,150 |
| Provo–Orem–Lehi, UT MSA | $136,500 | $180,200 |
| Ogden, UT MSA | $138,600 | $183,000 |
| Salt Lake City, UT HUD Metro FMR Area | $141,100 | $186,300 |
| Summit County, UT | $149,800 | $197,750 |
| Wasatch County, UT | $149,800 | $197,750 |
USDA income limits in Utah 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 Utah USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Utah. 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 Utah.
- 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 Utah 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 – Utah
