Florida USDA Loans

My state-specific information

Eligibility Requirements – Florida

Besides a VA loan, the USDA loan is one of the only mortgage options in Florida that offers 100% financing with no down payment required.

For 2025, USDA household income limits in Florida range from $119,850 to $197,850, depending on the county and household size. Income limits increase for households with five or more members and may be higher in certain metro areas.

Use the chart below to find the USDA income limits for your specific Florida county.

The map below shows the USDA loan eligible areas for the entire state of Florida. As you can see the majority of the state qualifies for USDA financing. Go to the USDA property eligibility screen for more specific information.

Florida USDA Income Limits (Moderate Income – Guaranteed Loan)

Most areas of Florida follow the standard USDA income limit. South Florida and select coastal areas have higher limits.

Area 1–4 Person 5+ Person
Standard Florida Limit (Most Counties & MSAs) $119,850 $158,250
Tampa–St. Petersburg–Clearwater, FL MSA $119,950 $158,350
Orlando–Kissimmee–Sanford, FL MSA $121,200 $160,000
North Port–Bradenton–Sarasota, FL MSA $123,750 $163,350
Naples–Marco Island, FL MSA $130,650 $172,500
Fort Lauderdale, FL HUD Metro FMR Area $132,550 $175,000
West Palm Beach–Boca Raton, FL HUD Metro FMR Area $134,400 $177,450
Miami–Miami Beach–Kendall, FL HUD Metro FMR Area $142,450 $188,050
Monroe County (Florida Keys) $149,850 $197,850

USDA income limits in Florida are based on total household income and household size. This includes income from all adult household members, not just the borrower.

If your total qualifying household income is within the limit for your area and household size, you may qualify for a USDA loan with 100% financing (no down payment required).

Check Your Florida USDA Eligibility

USDA loans are available in eligible rural and suburban areas throughout Florida. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

Florida income limits vary by metro area. If you’re unsure which limit applies to you, complete a quick USDA prequalification and we’ll verify your eligibility immediately.

  • NO down payment – Finance 100% of your home
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Florida USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Florida