Section 538 income limits by state, FY2026
USDA publishes a Section 538 limit for every area it covers: 115% of area median income for a family of four, scaled to other household sizes with HUD's adjustment factors. The FY2026 limits took effect July 13, 2026 and cover 2,724 areas.
- Alabama55 areas
- Alaska31 areas
- American Samoa1 areas
- Arizona14 areas
- Arkansas68 areas
- California51 areas
- Colorado55 areas
- Connecticut78 areas
- Delaware3 areas
- District of Columbia1 areas
- Florida52 areas
- Georgia112 areas
- Guam1 areas
- Hawaii4 areas
- Idaho40 areas
- Illinois83 areas
- Indiana73 areas
- Iowa92 areas
- Kansas94 areas
- Kentucky101 areas
- Louisiana45 areas
- Maine19 areas
- Maryland15 areas
- Massachusetts20 areas
- Michigan77 areas
- Minnesota73 areas
- Mississippi76 areas
- Missouri95 areas
- Montana55 areas
- Nebraska90 areas
- Nevada16 areas
- New Hampshire14 areas
- New Jersey11 areas
- New Mexico30 areas
- New York41 areas
- North Carolina83 areas
- North Dakota51 areas
- Northern Mariana Islands1 areas
- Ohio68 areas
- Oklahoma69 areas
- Oregon31 areas
- Pennsylvania52 areas
- Puerto Rico15 areas
- Rhode Island3 areas
- South Carolina38 areas
- South Dakota63 areas
- Tennessee72 areas
- Texas215 areas
- U.S. Virgin Islands3 areas
- Utah26 areas
- Vermont12 areas
- Virginia64 areas
- Washington35 areas
- West Virginia49 areas
- Wisconsin65 areas
- Wyoming23 areas
Source: USDA Rural Development, FY2026 MFH income limits, "RD 538 GUAR MOD INC" row, effective July 13, 2026, published at usdaminc.sc.egov.usda.gov.