USDA state guide
USDA loans in Louisiana: eligible areas, income caps & where to buy
Louisiana USDA demand runs north of Lake Pontchartrain. Tangipahoa Parish towns like Ponchatoula keep broad eligibility for New Orleans-area commuters willing to trade the drive for zero down.
How USDA eligibility works in Louisiana
There is no statewide "yes." USDA Rural Development publishes an ineligible-area map layer, and every property in Louisiana 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 Louisiana
USDA Guaranteed loans cap household income by county and household size. As a national floor for 2026, that is roughly $112,450 for 1–4 person households and $148,450 for 5–8 — many metro-adjacent Louisiana counties 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 Louisiana
Top USDA lists for Louisiana buyers
Learn how USDA loans work
Check an exact Louisiana address with our free tool
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