USDA Income Limits for Arkansas (2026)
How USDA counts income and why household composition matters.
How USDA measures income
USDA uses adjusted annual household income — all income earned by every adult in the household, even adults not on the loan. This is different from most other loan programs and routinely surprises applicants.
Income cap structure
USDA sets income caps per county, per household size. Caps are tiered: 1-4 person household and 5-8 person household.
What counts
- Wages/salary of all adults
- Self-employment net income
- Social Security, pensions, disability
- Child support and alimony
- Rental income
- Investment income
What reduces the count
USDA allows deductions for dependent children, medical expenses for elderly/disabled members, and certain childcare expenses.
Check your scenario
A USDA-experienced originator can run your household through the current county caps in minutes. Request a USDA eligibility check →
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