Wisconsin USDA Loans
Wisconsin residents have a fantastic opportunity for home financing with USDA loans.
Standard Income Limit (1–4 Person Household)
Highest Listed 5+ Person Limit
Financing (No Down Payment)
Eligibility Requirements – Wisconsin
With no down payment, no maximum loan amount, and no assets needed to qualify, that new home is finally within reach. For a family of 1-4 in Wisconsin, the average household income limit is about $119,850, and for a family of 5 or more the limit can be as high as $197,750.
To learn more, contact one of our USDA loan specialists and take the first steps toward your new Wisconsin home.
Wisconsin USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of Wisconsin follow the standard USDA income limit. Select metro areas and counties have higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Wisconsin Limit (Most Counties & MSAs) | $122,800 | $162,100 |
| Green County, WI HUD Metro FMR Area | $126,500 | $167,000 |
| Columbia County, WI HUD Metro FMR Area | $123,400 | $162,900 |
| Green Bay, WI HUD Metro FMR Area | $123,050 | $162,450 |
| La Crosse–Onalaska, WI–MN HUD Metro FMR Area | $123,500 | $163,050 |
| Iowa County, WI HUD Metro FMR Area | $130,400 | $172,150 |
| Madison, WI HUD Metro FMR Area | $153,550 | $202,700 |
| Minneapolis–St. Paul–Bloomington, MN–WI HUD Metro FMR Area (WI Portion) | $152,250 | $201,000 |
| Oconto County, WI HUD Metro FMR Area | $122,800 | $162,100 |
| Vernon County, WI HUD Metro FMR Area | $122,800 | $162,100 |
USDA Home Loan Features
No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home's value. That means no down payment of any kind!
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Check Your Wisconsin USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout Wisconsin. 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.
Ready to See If You Qualify for a Wisconsin USDA Loan?
Start your Wisconsin USDA home loan review today. A USDA loan specialist will contact you with your options.
