USDA Announces Increased Income Limits

Date: June 2, 2010
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The income limits for the USDA Guaranteed Rural Housing (GRP) Program have increased effective June 2, 2010. While the increase in Pennsylvania is less than $1,000, considering that family incomes have stagnated over the last year, any increase is helpful in qualifying more homebuyers for this loan program.

Based on the increase new maximum income limits are as follows:

CountyIncome 1-4Income 5-8
Adams$75,350$99,450
Allegheny$74,050$97,750
Armstrong$74,050$97,750
Beaver$74,050$97,750
Bedford$74,050$97,750
Berks$90,050$118,850
Blair$74,050$97,750
Bradford$74,050$97,750
Bucks$90,050$118,850
Butler$74,050$97,750
Cambria$74,050$97,750
Cameron$74,050$97,750
Carbon$80,500$106,250
Centre$76,250$100,650
Chester$90,050$118,850
Clarion$74,050$97,750
Clearfield$74,050$97,750
Clinton$74,050$97,750
Columbia$74,050$97,750
Crawford$74,050$97,750
Cumberland$81,650$107,800
Dauphin$81,650$107,800
Delaware$90,050$118,850
Elk$74,050$97,750
Erie$74,050$97,750
Fayette$74,050$97,750
Forest$74,050$97,750
Franklin$74,050$97,750
Fulton$74,050$97,750
Greene$74,050$97,750
Huntingdon$74,050$97,750
Indiana$74,050$97,750
Jefferson$74,050$97,750
Juniata$74,050$97,750
Lackawanna$74,050$97,750
Lancaster$74,050$97,750
Lawrence$74,050$97,750
Lebanon$81,650$107,800
Lehigh$80,500$106,250
Luzerne$74,050$97,750
Lycoming$74,050$97,750
McKean$74,050$97,750
Mercer$74,050$97,750
Mifflin$74,050$97,750
Monroe$74,050$97,750
Montgomery$90,050$118,850
Montour$74,050$97,750
Northampton$80,500$106,250
Northumberland$74,050$97,750
Perry$74,050$97,750
Pike$74,050$97,750
Potter$74,050$97,750
Schuylkill$74,050$97,750
Snyder$74,050$97,750
Somerset$74,050$97,750
Sullivan$74,050$97,750
Susquehanna$74,050$97,750
Tioga$74,050$97,750
Union$74,050$97,750
Venango$74,050$97,750
Warren$74,050$97,750
Washington$74,050$97,750
Wayne$74,050$97,750
Westmoreland$74,050$97,750
Wyoming$74,050$97,750
York$79,000$104,300

Remember that USDA does allow for the total household income to be higher than these income limits provided that certain adjustments or reduction to income can be made including:

Documentable childcare expenses for children age 12 and under
$480 per child for anyone under 18
$480 for any student other then one of the applicants
$400 for each disabled or handicapped individual who is not one of the applicants
Medical expenses for any elderly family member

These adjustments can be used to lower the gross household income to an amount that is less than the above mentioned maximum gross income. If you are considering financing an upcoming home purchase using a USDA loan and need assistance in calculating your adjusted gross income using USDA Rural Development Loan Income Guidelines complete the contact form or call (866) 552-5912 to speak to your local Pennsylvania loan professional.

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