USDA state guide
USDA loans in Washington: eligible areas, income caps & where to buy
Washington's clearest USDA fit is the Olympia and JBLM side. Thurston County towns like Yelm stay eligible within reach of the South Sound and the military job base.
How USDA eligibility works in Washington
There is no statewide "yes." USDA Rural Development publishes an ineligible-area map layer, and every property in Washington is either inside it or outside it. Eligibility is decided at the exact address point — not by town, ZIP, or county — so the same street can qualify on one side and not the other.
Income caps in Washington
USDA Guaranteed loans cap adjusted annual household income by county or area and household size. In many lower-cost areas, the FY 2026 limit is $122,800 for 1–4 person households and $162,100 for 5–8; higher-cost Washington areas can run higher. Confirm the current cap for your target county before touring, because it counts everyone under the roof, not just borrowers.
The full breakdown is in our income limits guide, including the adjusted-income deductions that can get a household under the cap.
The most-searched USDA towns in Washington
Top USDA lists for Washington buyers
Learn how USDA loans work
Check an exact Washington address with our free tool
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