USDA adjusted annual income calculator

Applies the Chapter 9 deductions from USDA Handbook HB-1-3555 and 7 CFR 3555.152(c), then compares the adjusted figure to the county limit you enter. Single page, no signup, no save.

Look up your county and household-size income limit on the official USDA Income Eligibility site and paste it into the limit field below. For the underlying rule text, see the full USDA loan income limits guide.

Household income inputs

Total gross household income (annual, all adults 18+)

Wages, self-employment, Social Security, pensions, child support, and any regular recurring income

County income limit (your household size)

From eligibility.sc.egov.usda.gov - varies by county and household size

Allowable deductions per 7 CFR 3555.152(c)

Eligible dependents ($480 each)

Children under 18, full-time students 18+, or disabled adult family members

Annual childcare expenses (kids ≤12, both parents work)

Reasonable cost; only if both parents work or are seeking work

Unreimbursed disability expenses (annual)

Only the amount above 3% of gross income is deductible; must enable a household member to work

Unreimbursed medical expenses (annual)

Only deductible for elderly/disabled households; only the amount above 3% of gross

Elderly or disabled household ($400 single household-level deduction)

Head of household, spouse, or sole member is age 62 or older, or is disabled and a party to the note. Also unlocks the medical-expense deduction.

How this tool works. The math is a deterministic implementation of the deduction order in USDA HB-1-3555 Chapter 9 / 7 CFR 3555.152(c). The 3% threshold for medical and disability deductions is computed against gross household income before any other deductions, per the regulation.

The county income limit is not stored or looked up by this tool; you supply it from the USDA Income Eligibility site. Limits are updated annually and vary by household size and county. This tool does not handle property eligibility - use the official USDA Property Eligibility map for that.

Loanwright is for organizational purposes only and is not a substitute for professional advice. Terms of Service