USDA Loan Eligibility Idaho

Idaho USDA loans are eligible for new or existing homes in USDA eligible areas. Although the majority of Idaho qualifies for USDA lending, make sure to keep reading to verify property eligibility.  In addition, USDA puts a limit on the amount of money a family can make and still use USDA to purchase a home. Below we will discuss income and property eligibility requirements for USDA loans in Idaho.

Income Eligibility

USDA has a limit on the amount of money a household can make in a single year. The USDA income limit is determined by the average income earned in a specific county. You can review the Idaho Income limit chart below or have a USDA loan specialist contact you . 

Income Limit For 1-4 Family Household

The household income limit in Idaho is $91,900 for a household of up to 4 people. If the household has 5 or more people, the Idaho USDA income limit is $121,300.  There are exceptions to these limits in areas like Blaine County. 

Unlike other states, Idaho has the same income limit for every county.

You can fill out the USDA Eligibility form to see if you qualify for a Idaho USDA loan. 

Here is the direct link to USDA’s website to verify the USDA income limits in Idaho.

Property Eligibility

USDA property eligibility is determined by the area population. The property must be located in a rural area. Generally, a rural area is defined as a population of less than 20,000 people.  Another factor is credit availability in the area. USDA is trying to target underserved areas in Idaho for USDA rural Development Home Loans.

Most of Idaho offers USDA loans. In most cases, all you need to do is move outside the city limits to qualify for USDA.  

What Areas in Idaho are USDA Eligible? 

Idaho USDA Property Eligibility Map

USDA Ineligible Areas
Idaho USDA Eligibility Map

The shaded areas are NOT eligible for USDA financing. USDA has determined the population density to be too high for USDA financing. 

USDA Frequently Asked Questions

What Banks Offer USDA Financing?

Most reputable mortgage lenders or banks will offer USDA Home loans for first time homebuyers. The majority of the product guidelines are very similar to FHA. So.. If you find a bank that offers FHA loans it is likely they will also offer USDA loans.

What Are USDA Loans and How Do They Work?

USDA loan is a rural housing loan backed by the department of agriculture. The loan provides no money down financing for first time homebuyers with low interest rates and minimal fees. 

Is it Hard to Get Approved for a USDA Loan?

Its not hard at all. If the property is located in an eligible area and your income falls below theUSDA Median income limits, chances are you qualify ! 

Are USDA Loans Any Good?

I consider USDA loans to be the best available loan product for first time homebuyers. Granted VA Loans have some advantages that USDA does not but you also have to be a veteran. For the general public, USDA is still the best loan program available. 



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!


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.


USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.


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.


USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.


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