Look up the address you’re interested in purchasing to verify it falls within a rural area, as determined by the U.S. Department of Agriculture.
USDA Eligibility Map: Verify an Address
Areas in red are not currently eligible for a USDA-backed loan.
USDA Loan Property Eligibility Requirements
Though USDA loans are often referred to as rural housing loans, you don’t have to live in the country or purchase farmland to use them. In fact, you might be surprised at just how much of the country is actually eligible for these loans.
According to the Housing Assistance Council, a whopping 97% of U.S. land is located within USDA-eligible boundaries. Those areas claim about 109 million Americans — or around a third of the country’s entire population. *
Buyers in large cities and more densely populated suburbs aren’t eligible for these loans, but many living in surrounding towns and cities may be. An area with a population of 35,000 or less can be considered “rural” in the USDA’s eyes.
The easiest way to determine USDA property eligibility is to look up the address in the map above. Simply type the property address into the tool, press enter, and you’ll see if the home is eligible for USDA financing. If the property shows up in a shaded area of the USDA eligibility map, it is not currently eligible.
What is Considered a “Rural” Area According to the USDA?
A home must be located in a “rural” part of the country to be eligible for USDA financing. To set these rural areas, the USDA factors in a community’s population, its proximity to a major metropolitan statistical area (MSA), and overall access to mortgage credit in the area.
Rural areas must fall into one of the three following categories: