USDA Loans in California

While California is the most populous state in the entire country and at first glance the prospect of using a USDA home loan to buy and finance a home seems unlikely however nothing could be further from the truth. Vast areas to the west allow the USDA home loan to be used. Oregon is to the northern border with Arizona to the southwest and Nevada joining California on the eastern side. Besides Texas, California is the largest state in terms of area in the continental U.S. California’s topography is the most varied of any state in the Union with beaches and the Pacific Ocean to the west, mountainous regions in the eastern part of the state as well as desert regions.

California’s median household income is one of the highest in the country but that considers most of the income is the larger metropolitan centers of San Diego, Los Angeles and San Francisco and home values are much higher in these regions as well with these regions deemed “high cost” and conforming loan limits are higher compared to other parts of the state. However, when going beyond these major metropolitan areas the USDA home loan can be used to buy and finance a new or existing home. Areas outside of San Diego county are ideal for a USDA loan as are pockets outside of Los Angeles and Sacramento counties.

CA State Income Limits

Region in CA1 - 4 Person Household5 - 8 Person Household
Bakersfield, CA MSA$82,700.00$109,150.00
Chico, CA MSA$82,700.00$109,150.00
El Centro, CA MSA$82,700.00$109,150.00
Fresno, CA MSA$82,700.00$109,150.00
Hanford-Corcoran, CA MSA$82,700.00$109,150.00
Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area$125,700.00$165,900.00
Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area$111,400.00$147,050.00
Madera, CA MSA$82,700.00$109,150.00
Merced, CA MSA$82,700.00$109,150.00
Modesto, CA MSA$82,700.00$109,150.00
Napa, CA MSA$107,100.00$141,350.00
Oxnard-Thousand Oaks-Ventura, CA MSA$118,100.00$155,900.00
Redding, CA MSA$82,700.00$109,150.00
Riverside-San Bernardino-Ontario, CA MSA$82,700.00$109,150.00
Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area$92,150.00$121,650.00
Yolo, CA HUD Metro FMR Area$95,650.00$126,250.00
Salinas, CA MSA$96,050.00$126,800.00
San Diego-Carlsbad, CA MSA$111,900.00$147,700.00
Oakland-Fremont, CA HUD Metro FMR Area$156,050.00$206,000.00
San Francisco, CA HUD Metro FMR Area$209,150.00$276,100.00
San Benito County, CA HUD Metro FMR Area$113,850.00$150,300.00
San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area$169,050.00$223,150.00
San Luis Obispo-Paso Robles-Arroyo Grande, CA MSA$95,650.00$126,250.00
Santa Cruz-Watsonville, CA MSA$131,700.00$173,850.00
Santa Maria-Santa Barbara, CA MSA$128,450.00$169,550.00
Santa Rosa, CA MSA$123,500.00$163,000.00
Stockton-Lodi, CA MSA$82,700.00$109,150.00
Vallejo-Fairfield, CA MSA$96,250.00$127,050.00
Visalia-Porterville, CA MSA$82,700.00$109,150.00
Yuba City, CA MSA$82,700.00$109,150.00
Alpine County, CA$99,350.00$131,150.00
Amador County, CA$84,650.00$111,750.00
Calaveras County, CA$83,150.00$109,750.00
Colusa County, CA$82,700.00$109,150.00
Del Norte County, CA$82,700.00$109,150.00
Glenn County, CA$82,700.00$109,150.00
Humboldt County, CA$82,700.00$109,150.00
Inyo County, CA$82,800.00$109,300.00
Lake County, CA$82,700.00$109,150.00
Lassen County, CA$82,700.00$109,150.00
Mariposa County, CA$82,700.00$109,150.00
Mendocino County, CA$82,700.00$109,150.00
Modoc County, CA$82,700.00$109,150.00
Mono County, CA$93,350.00$123,200.00
Nevada County, CA$88,200.00$116,400.00
Plumas County, CA$82,700.00$109,150.00
Sierra County, CA$82,700.00$109,150.00
Siskiyou County, CA$82,700.00$109,150.00
Tehama County, CA$82,700.00$109,150.00
Trinity County, CA$82,700.00$109,150.00
Tuolumne County, CA$82,700.00$109,150.00

California USDA Loan (infographic)

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