Indiana Section 538 income limits for FY2026
A Section 538 tenant can earn up to 115% of area median income at move-in. In Indiana that limit for a family of four runs from $81,300 in Crawford County, IN to $128,550 in Cincinnati, OH-KY-IN. Limits took effect July 13, 2026.
| Area | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Bloomington, IN metro area | 89,050 | 101,750 | 114,500 | 127,200 | 137,400 | 147,550 | 157,750 | 167,900 |
| Owen County, IN part of the Bloomington, IN metro area | 67,600 | 77,300 | 86,950 | 96,600 | 104,350 | 112,050 | 119,800 | 127,500 |
| Gary, IN part of the Chicago-Naperville-Elgin, IL-IN metro area | 81,250 | 92,850 | 104,450 | 116,050 | 125,350 | 134,600 | 143,900 | 153,200 |
| Jasper County, IN part of the Chicago-Naperville-Elgin, IL-IN metro area | 82,650 | 94,500 | 106,300 | 118,100 | 127,550 | 137,000 | 146,450 | 155,900 |
| Cincinnati, OH-KY-IN metro area | 90,000 | 102,850 | 115,700 | 128,550 | 138,850 | 149,100 | 159,400 | 169,700 |
| Franklin County, IN part of the Cincinnati, OH-KY-IN metro area | 78,950 | 90,250 | 101,500 | 112,800 | 121,800 | 130,850 | 139,850 | 148,900 |
| Columbus, IN metro area | 83,750 | 95,750 | 107,750 | 119,700 | 129,250 | 138,850 | 148,400 | 158,000 |
| Elkhart-Goshen, IN metro area | 72,400 | 82,700 | 93,050 | 103,400 | 111,650 | 119,950 | 128,200 | 136,500 |
| Evansville, IN metro area | 75,600 | 86,400 | 97,200 | 108,000 | 116,650 | 125,300 | 133,900 | 142,550 |
| Fort Wayne, IN metro area | 76,550 | 87,500 | 98,400 | 109,350 | 118,100 | 126,850 | 135,600 | 144,350 |
| Wells County, IN part of the Fort Wayne, IN metro area | 74,850 | 85,550 | 96,250 | 106,950 | 115,500 | 124,050 | 132,600 | 141,150 |
| Anderson, IN part of the Indianapolis-Carmel-Greenwood, IN metro area | 67,950 | 77,650 | 87,350 | 97,050 | 104,800 | 112,600 | 120,350 | 128,100 |
| Indianapolis-Carmel, IN part of the Indianapolis-Carmel-Greenwood, IN metro area | 89,100 | 101,850 | 114,550 | 127,300 | 137,500 | 147,650 | 157,850 | 168,050 |
| Tipton County, IN part of the Indianapolis-Carmel-Greenwood, IN metro area | 77,050 | 88,050 | 99,050 | 110,050 | 118,850 | 127,650 | 136,450 | 145,250 |
| Kokomo, IN metro area | 76,650 | 87,650 | 98,600 | 109,550 | 118,300 | 127,100 | 135,850 | 144,550 |
| Carroll County, IN part of the Lafayette-West Lafayette, IN metro area | 70,450 | 80,500 | 90,600 | 100,650 | 108,700 | 116,750 | 124,800 | 132,850 |
| Lafayette-West Lafayette, IN metro area | 80,500 | 92,000 | 103,500 | 115,000 | 124,200 | 133,400 | 142,600 | 151,800 |
| Warren County, IN part of the Lafayette-West Lafayette, IN metro area | 85,500 | 97,750 | 110,000 | 122,200 | 132,000 | 141,750 | 151,500 | 161,300 |
| Louisville, KY-IN part of the Louisville/Jefferson County, KY-IN metro area | 79,700 | 91,100 | 102,450 | 113,850 | 122,950 | 132,050 | 141,150 | 150,300 |
| Washington County, IN part of the Louisville/Jefferson County, KY-IN metro area | 67,850 | 77,550 | 87,250 | 96,950 | 104,700 | 112,450 | 120,200 | 127,950 |
| Michigan City-La Porte, IN metro area | 71,900 | 82,150 | 92,450 | 102,700 | 110,900 | 119,150 | 127,350 | 135,550 |
| Muncie, IN metro area | 64,550 | 73,700 | 82,950 | 92,150 | 99,550 | 106,900 | 114,300 | 121,650 |
| South Bend-Mishawaka, IN part of the South Bend-Mishawaka, IN-MI metro area | 71,650 | 81,900 | 92,100 | 102,350 | 110,550 | 118,750 | 126,900 | 135,100 |
| Sullivan County, IN part of the Terre Haute, IN metro area | 61,800 | 70,650 | 79,450 | 88,300 | 95,350 | 102,450 | 109,500 | 116,550 |
| Terre Haute, IN metro area | 64,900 | 74,150 | 83,450 | 92,700 | 100,100 | 107,550 | 114,950 | 122,350 |
| Adams County, IN | 68,350 | 78,100 | 87,900 | 97,650 | 105,450 | 113,250 | 121,100 | 128,900 |
| Blackford County, IN | 58,600 | 66,950 | 75,350 | 83,700 | 90,400 | 97,100 | 103,800 | 110,500 |
| Cass County, IN | 60,600 | 69,300 | 77,950 | 86,600 | 93,550 | 100,450 | 107,400 | 114,300 |
| Clinton County, IN | 71,750 | 82,000 | 92,200 | 102,500 | 110,700 | 118,850 | 127,050 | 135,300 |
| Crawford County, IN | 56,900 | 65,050 | 73,150 | 81,300 | 87,800 | 94,300 | 100,800 | 107,300 |
| Daviess County, IN | 76,900 | 87,900 | 98,850 | 109,850 | 118,650 | 127,450 | 136,200 | 145,000 |
| DeKalb County, IN | 74,050 | 84,650 | 95,200 | 105,800 | 114,250 | 122,750 | 131,200 | 139,650 |
| Decatur County, IN | 75,450 | 86,200 | 97,000 | 107,750 | 116,350 | 125,000 | 133,600 | 142,250 |
| Dubois County, IN | 77,350 | 88,400 | 99,450 | 110,500 | 119,350 | 128,200 | 137,000 | 145,850 |
| Fayette County, IN | 60,000 | 68,550 | 77,150 | 85,700 | 92,550 | 99,400 | 106,250 | 113,100 |
| Fountain County, IN | 66,000 | 75,450 | 84,850 | 94,300 | 101,850 | 109,400 | 116,950 | 124,500 |
| Fulton County, IN | 64,150 | 73,300 | 82,500 | 91,650 | 99,000 | 106,300 | 113,650 | 121,000 |
| Gibson County, IN | 74,800 | 85,500 | 96,150 | 106,850 | 115,400 | 123,950 | 132,500 | 141,050 |
| Grant County, IN | 57,250 | 65,400 | 73,600 | 81,750 | 88,300 | 94,850 | 101,350 | 107,900 |
| Greene County, IN | 64,250 | 73,400 | 82,600 | 91,750 | 99,100 | 106,450 | 113,750 | 121,100 |
| Henry County, IN | 65,500 | 74,900 | 84,250 | 93,600 | 101,100 | 108,600 | 116,050 | 123,550 |
| Huntington County, IN | 69,700 | 79,700 | 89,650 | 99,600 | 107,550 | 115,550 | 123,500 | 131,450 |
| Jackson County, IN | 74,950 | 85,650 | 96,350 | 107,050 | 115,600 | 124,200 | 132,750 | 141,300 |
| Jay County, IN | 60,400 | 69,000 | 77,650 | 86,250 | 93,150 | 100,050 | 106,950 | 113,850 |
| Jefferson County, IN | 67,400 | 77,000 | 86,650 | 96,250 | 103,950 | 111,650 | 119,350 | 127,050 |
| Jennings County, IN | 67,050 | 76,650 | 86,200 | 95,800 | 103,450 | 111,150 | 118,800 | 126,450 |
| Knox County, IN | 68,750 | 78,550 | 88,400 | 98,200 | 106,050 | 113,900 | 121,750 | 129,600 |
| Kosciusko County, IN | 78,700 | 89,950 | 101,200 | 112,450 | 121,450 | 130,450 | 139,450 | 148,450 |
| LaGrange County, IN | 80,000 | 91,450 | 102,850 | 114,300 | 123,450 | 132,600 | 141,750 | 150,900 |
| Lawrence County, IN | 72,950 | 83,350 | 93,800 | 104,200 | 112,550 | 120,850 | 129,200 | 137,550 |
| Marshall County, IN | 75,100 | 85,850 | 96,550 | 107,300 | 115,900 | 124,450 | 133,050 | 141,650 |
| Martin County, IN | 81,500 | 93,100 | 104,750 | 116,400 | 125,700 | 135,000 | 144,350 | 153,650 |
| Miami County, IN | 64,250 | 73,400 | 82,600 | 91,750 | 99,100 | 106,450 | 113,750 | 121,100 |
| Montgomery County, IN | 77,750 | 88,900 | 100,000 | 111,100 | 120,000 | 128,900 | 137,750 | 146,650 |
| Noble County, IN | 72,450 | 82,800 | 93,150 | 103,500 | 111,800 | 120,050 | 128,350 | 136,600 |
| Orange County, IN | 72,700 | 83,100 | 93,450 | 103,850 | 112,150 | 120,450 | 128,750 | 137,100 |
| Parke County, IN | 62,850 | 71,850 | 80,800 | 89,800 | 97,000 | 104,150 | 111,350 | 118,550 |
| Perry County, IN | 72,850 | 83,300 | 93,700 | 104,100 | 112,450 | 120,750 | 129,100 | 137,400 |
| Pike County, IN | 75,350 | 86,100 | 96,900 | 107,650 | 116,250 | 124,850 | 133,500 | 142,100 |
| Pulaski County, IN | 67,700 | 77,350 | 87,050 | 96,700 | 104,450 | 112,150 | 119,900 | 127,650 |
| Putnam County, IN | 75,650 | 86,500 | 97,300 | 108,100 | 116,750 | 125,400 | 134,050 | 142,700 |
| Randolph County, IN | 63,600 | 72,700 | 81,750 | 90,850 | 98,100 | 105,400 | 112,650 | 119,900 |
| Ripley County, IN | 78,000 | 89,150 | 100,300 | 111,450 | 120,350 | 129,300 | 138,200 | 147,100 |
| Rush County, IN | 71,000 | 81,150 | 91,300 | 101,450 | 109,550 | 117,700 | 125,800 | 133,900 |
| Scott County, IN | 64,100 | 73,250 | 82,400 | 91,550 | 98,850 | 106,200 | 113,500 | 120,850 |
| Spencer County, IN | 82,850 | 94,700 | 106,500 | 118,350 | 127,800 | 137,300 | 146,750 | 156,200 |
| Starke County, IN | 65,200 | 74,500 | 83,850 | 93,150 | 100,600 | 108,050 | 115,500 | 122,950 |
| Steuben County, IN | 78,650 | 89,900 | 101,100 | 112,350 | 121,350 | 130,350 | 139,300 | 148,300 |
| Switzerland County, IN | 68,350 | 78,100 | 87,900 | 97,650 | 105,450 | 113,250 | 121,100 | 128,900 |
| Union County, IN | 83,550 | 95,450 | 107,400 | 119,300 | 128,850 | 138,450 | 147,950 | 157,500 |
| Wabash County, IN | 72,200 | 82,500 | 92,850 | 103,150 | 111,400 | 119,650 | 127,900 | 136,150 |
| Wayne County, IN | 62,400 | 71,300 | 80,250 | 89,150 | 96,300 | 103,400 | 110,550 | 117,750 |
| White County, IN | 69,850 | 79,850 | 89,800 | 99,800 | 107,800 | 115,750 | 123,750 | 131,750 |
From income limit to rent cap
Two rent rules apply under 7 CFR 3565.203. Each unit's rent, counting tenant-paid utilities, can't exceed 30% of 115% of area median income adjusted for family size, which is 30% of the figure in the table for the household size you assume, divided by 12. And across the whole project, the average rent can't exceed 30% of 100% of area median income each year.
Worked example for Bloomington, IN: the four-person limit is $127,200, so the per-unit cap for a unit sized for four people is $3,180 a month including utilities. The project-average cap uses 100% of median instead of 115%, roughly $2,765 a month at the four-person size. Which household size applies to each bedroom count is set in USDA's program handbook; confirm it with your lender.
Income is tested only at move-in. A tenant whose income later rises above the limit can stay (7 CFR 3565.202(a)). Want to see what those rents support in debt? Run them through the 538 loan sizer.
All 73 Indiana areas and every other state in one file: 538 income limits download.