Obligation of Zakah even if the farmer is indebted
A:
Zakah is due on agricultural harvests, of produce such as wheat, barley, dates, and other grains and fruits, if they reach the Nisab (the minimum amount upon which Zakah is due), even if the owners of these harvests are in debt or their land is mortgaged, as Allah (Exalted be He) says:
...pay the due thereof (its Zakât, according to Allâh’s Orders 1/10th or 1/20th) on the day of its harvest
Also the Prophet (peace be upon him) said,
"That which is watered from the sky or by natural sources or if the land is wet, (the Zakah is) one-tenth (of the yield of the land); and that which is watered by (artificial) irrigation, half of one-tenth (i.e. one-twentieth)."
We ask Allah to help you adhere to your religion and to make matters easy for you!May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.