2025 USDA Income Limits in New York

Compare USDA Direct and Guaranteed loan income limits across 62 listed areas in New York. Select a local area for household-size limits and comparisons.

New York USDA Income Limit Overview

For FY2025, the average income limit for a 1–4 person household across New York is $86,932 for USDA Direct loans and $132,527 for USDA Guaranteed loans. Limits vary by local jurisdiction to reflect area income levels and housing conditions.

Areas covered62
Average Direct limit$86,932
Average Guaranteed limit$132,527

Highest USDA Income Limits in New York

These listed areas have the highest FY2025 Guaranteed loan limits for 1–4 person households in New York.

  1. Bronx County$186,300
  2. Kings County$186,300
  3. New York County$186,300
  4. Putnam County$186,300
  5. Queens County$186,300
Bronx CountyKings CountyNew York CountyPutnam CountyQueens CountyRichmond CountyRockland CountyNassau CountySuffolk CountyWestchester CountyDutchess CountyOrange CountyTompkins CountyUlster CountyAlbany CountyRensselaer CountySaratoga CountySchenectady CountySchoharie CountyColumbia CountyLivingston CountyMonroe CountyOntario CountyOrleans CountyWayne CountyMadison CountyOnondaga CountyOswego CountyErie CountyNiagara CountyGreene CountyWarren CountyWashington CountySullivan CountyGenesee CountyBroome CountyTioga CountyClinton CountyHamilton CountySeneca CountyCortland CountyEssex CountyWyoming CountySchuyler CountySteuben CountyMontgomery CountyOtsego CountyCayuga CountySt. Lawrence CountyHerkimer CountyOneida CountyYates CountyAllegany CountyCattaraugus CountyChautauqua CountyChemung CountyChenango CountyDelaware CountyFranklin CountyFulton CountyJefferson CountyLewis County

New York USDA Loan Income Limit FAQs

What is the average USDA income limit in New York?

Across 62 listed areas in New York, the FY2025 average 1–4 person income limit is $86,932 for USDA Direct loans and $132,527 for USDA Guaranteed loans. The exact limit depends on the local jurisdiction where the property is located.

Which New York area has the highest USDA Guaranteed income limit?

Bronx County, Kings County, New York County, Putnam County, Queens County, Richmond County, Rockland County share the highest listed FY2025 Guaranteed loan limit for a 1–4 person household at $186,300.

Does meeting the New York income limit guarantee USDA loan approval?

No. Income is one eligibility factor. Applicants must also meet lender or USDA underwriting requirements, and the home must be in a USDA-eligible area.