⚡ Quick State Lookup
USDA loans are available in all 50 states, but eligibility varies by location. 97% of US land qualifies, but only 35% of the population lives in eligible areas. Use the USDA eligibility map to check your specific address.
📋 Table of Contents
🌾 How USDA Loans Work by State
USDA loans offer $0 down payment for homes in eligible rural and suburban areas. While the program is federal, eligibility varies significantly by state based on population density and local income levels.
🗺️ Location
Property must be in USDA-eligible area. Many suburbs qualify!
💰 Income
Must be ≤115% of area median income (varies by state/county)
🏠 Property
Primary residence only, must meet USDA standards
🎯 Check Your State Eligibility
Enter your address to see if you qualify for USDA $0 down payment. Takes 30 seconds.
Check Eligibility Now →🏆 Top 10 States for USDA Loans
| Rank | State | Search Volume | Avg Income Limit | Eligible Areas |
|---|---|---|---|---|
| 1 | Colorado | 210/month | $103,500 | 85% of land |
| 2 | Michigan | 170/month | $98,650 | 92% of land |
| 3 | Arkansas | 140/month | $89,700 | 95% of land |
| 4 | Washington | 140/month | $108,200 | 88% of land |
| 5 | Hawaii | 110/month | $125,400 | 75% of land |
| 6 | Tennessee | 110/month | $92,800 | 90% of land |
| 7 | Texas | 90/month | $95,450 | 93% of land |
| 8 | Florida | 70/month | $96,300 | 82% of land |
| 9 | North Carolina | 70/month | $94,150 | 89% of land |
| 10 | Ohio | 60/month | $91,200 | 91% of land |
💰 Get USDA Pre-Approval in Your State
Connect with local USDA lenders who know your state's requirements. Get pre-approved in 24 hours.
Find Local Lenders →🏔️ Colorado USDA Home Loans
Search Volume
210/month
Income Limit (Family of 4)
$103,500
Eligible Areas
85% of land
✅ Eligible Colorado Areas
Most areas outside Denver, Colorado Springs, Boulder, and Fort Collins qualify. Popular eligible areas include:
- • Castle Rock (parts)
- • Parker (parts)
- • Pueblo
- • Grand Junction
- • Greeley (parts)
- • Loveland (parts)
- • Fort Morgan
- • Sterling
💡 Colorado Pro Tip:
Many suburbs 20-30 minutes from Denver qualify! Check USDA eligibility map for your specific address.
🏞️ Michigan USDA Home Loans
Search Volume
170/month
Income Limit (Family of 4)
$98,650
Eligible Areas
92% of land
✅ Eligible Michigan Areas
Most of Michigan qualifies except Detroit metro core. Popular eligible areas:
- • Grand Rapids (parts)
- • Kalamazoo (parts)
- • Lansing (parts)
- • Traverse City area
- • Saginaw
- • Bay City
- • Muskegon
- • Holland
💡 Michigan Pro Tip:
Michigan has one of the highest USDA eligibility rates! 92% of land qualifies. Great for first-time buyers!
🌲 Arkansas USDA Home Loans
Search Volume
140/month
Income Limit (Family of 4)
$89,700
Eligible Areas
95% of land
✅ Eligible Arkansas Areas
Nearly all of Arkansas qualifies! Only Little Rock core excluded. Popular areas:
- • North Little Rock (parts)
- • Conway
- • Jonesboro
- • Fayetteville (parts)
- • Springdale
- • Rogers
- • Fort Smith
- • Hot Springs
💡 Arkansas Pro Tip:
95% of Arkansas land qualifies! One of the best states for USDA loans. Lower income limits make it accessible.
🌲 Washington USDA Home Loans
Search Volume
140/month
Income Limit (Family of 4)
$108,200
Eligible Areas
88% of land
✅ Eligible Washington Areas
Most areas outside Seattle/Tacoma/Bellevue qualify. Popular eligible areas:
- • Olympia (parts)
- • Spokane (parts)
- • Yakima
- • Bellingham (parts)
- • Vancouver (parts)
- • Wenatchee
- • Mount Vernon
- • Walla Walla
💡 Washington Pro Tip:
Higher income limits ($108k+) make Washington USDA loans accessible. Check local lenders for best rates!
🌺 Hawaii USDA Home Loans
Search Volume
110/month
Income Limit (Family of 4)
$125,400
Eligible Areas
75% of land
✅ Eligible Hawaii Areas
Most areas outside Honolulu qualify. Popular eligible areas:
- • Hilo
- • Kailua-Kona
- • Wailuku
- • Lihue
- • Kihei (parts)
- • Waipahu (parts)
- • Kaneohe (parts)
- • Rural Oahu areas
💡 Hawaii Pro Tip:
Highest income limits in US! $125k+ for family of 4. USDA loans are a great option for Hawaii's high housing costs.
🎸 Tennessee USDA Home Loans
Search Volume
110/month
Income Limit (Family of 4)
$92,800
Eligible Areas
90% of land
✅ Eligible Tennessee Areas
Most areas outside Nashville/Memphis cores qualify. Popular areas:
- • Clarksville
- • Murfreesboro (parts)
- • Chattanooga (parts)
- • Knoxville (parts)
- • Johnson City
- • Jackson
- • Cookeville
- • Cleveland
💡 Tennessee Pro Tip:
90% of Tennessee qualifies! Many Nashville suburbs are eligible. Find local USDA lenders for best rates.
🎯 Get Pre-Approved in Your State
Connect with USDA-approved lenders in your state. Get pre-approved in 24 hours with $0 down payment.
Get Pre-Approved Now →❓ State-Specific USDA Loan FAQ
Which states have the highest USDA eligibility?
Arkansas (95%), Michigan (92%), and Texas (93%) have the highest USDA land eligibility. These states offer the most options for $0 down payment homes. Even states like Colorado (85%) and Washington (88%) have extensive eligible areas outside major metro cores.
Do USDA income limits vary by state?
Yes! Income limits vary significantly. Hawaii has the highest ($125,400 for family of 4) due to high cost of living. Arkansas has lower limits ($89,700) reflecting lower median incomes. Check your specific county's limits using the USDA income calculator.
Can I use a USDA loan in multiple states?
You can only have one USDA loan at a time for your primary residence. However, if you move states, you can sell your current USDA home and get a new USDA loan in your new state (if eligible). USDA loans are available in all 50 states.
Which states have the best USDA lenders?
All states have USDA-approved lenders, but rural states like Arkansas, Tennessee, and Michigan often have more experienced USDA lenders due to higher program usage. Compare multiple lenders in your state to find the best rates and service.
🗺️ Ready to Buy with $0 Down in Your State?
Check eligibility and get pre-approved for USDA loans in all 50 states.
✓ Available in all 50 states • ✓ $0 down payment • ✓ No PMI required
