How USDA income limits work in Maine
USDA Rural Development uses two income limits: a standard limit for smaller households (1–4 people) and a higher limit for larger households (5–8+ people). The limits are also higher in the Portland metro area (Cumberland, Sagadahoc, and York counties) because of higher cost of living.
Good news: USDA income limits in Maine are higher than most people expect. Many Maine families making $100,000+ still qualify, especially in the Portland metro area.
What counts as income?
USDA counts the gross (pre-tax) income of everyone 18 or older who will live in the home — not just the borrowers on the loan. This includes:
- Wages, salary, and tips (including overtime)
- Self-employment income
- Social Security, pensions, and retirement income
- Child support and alimony
- Rental income
- Interest and dividends over $2,400/year
What doesn't count?
- Income from household members under 18
- Full-time students (after the first $480)
- Foster care payments
- One-time lump sums (inheritance, settlements)
Allowable deductions
USDA allows certain deductions that can lower your calculated income and help you qualify:
- $480 per child under 18 (or disabled dependents)
- $400 per elderly household (head of household is 62+)
- Childcare costs for working parents
- Medical expenses exceeding 3% of gross income (for elderly/disabled)
Close to the limit? Don't assume you don't qualify. These deductions can bring someone who looks ineligible under the limit. This calculator gives you a quick gross-income check — I do the full official calculation (with deductions) during pre-qualification.
This calculator is a starting point
It uses current USDA Guaranteed Loan income limits for Maine and gives you an instant gross-income check. The official USDA calculation also accounts for deductions that can help borderline cases qualify. The only way to know for sure is to get pre-qualified — it's free, takes about 10 minutes, and there's no obligation.
Get Pre-Qualified in 60 Seconds →