Find USDA Eligible Properties in Clay County


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Rhonda Mulvany   from   Somer Real Estate

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Looking to buy in Clay County, Illinois?

There are 154 USDA backed residential loans in Clay county with an average loan balance of $66,107. Over 81% of the loans helped first time home buyers. Borrowers were an average age of 36 years old. The typical appraised home value was around $69,040. On average the rural home size purchased with this loan was approximately 1,389 SqFt. Clay county applies the standard USDA income limits to determine loan eligibility. For a household of upto 4 people the income limit is $90,300. For a household of between 5 and 8 people the income limit is increased to $119,200.

The size of Clay County is roughly 1,215 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Clay County is 8. Look below for the interactive county level map illustration below for more details.


Select from the list of cities below or use the search feature to find active property listings in a city where you would like to live.

Start your search for USDA loan eligible properties in the cities of Clay County, IL   Clay QR code
* cities most likely to have USDA loan eligible properties for sale.

Bible Grove   •   Camp Travis   •   *Clay City   •   Cruse   •   *Flora   •   Greendale   •   Hord   •   Ingraham   •   *Iola   •   Kenner   •   *Louisville   •   Oskaloosa   •   Riffle   •   *Sailor Springs   •   Wendelin   •   *Xenia

A USDA loan is a mortgage option available to eligible homebuyers that is sponsored by the United States Department of Agriculture to promote homeownership in rural communities. USDA Loans, sometimes called "RD Loans," offer 100% financing options on eligible rural properties. USDAProperties can help you find USDA properties in Clay County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries and read about general conditions of
Clay County, Illinois
USDA Boundary Details
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Clay County, located in the southeastern part of the great state of Illinois, has a rich historical background. The county was officially founded in 1824 and named in honor of Henry Clay, a prominent American statesman, and U.S. Senator from Kentucky. It covers an area of approximately 470 square miles and comprises several cities and towns, with its county seat being Louisville.

Before the European settlers arrived, the region was occupied by Native American tribes. The first known European settler in the area was Robert Koch, a German immigrant who arrived in 1818. Many of the early settlers in this region were of German, Welsh, and Irish descent. Agriculture, specifically farming and livestock raising, has always been the backbone of Clay County's economy. The fertile lands have supported corn, soybean, and wheat production, as well as poultry and cattle farming.

One interesting fun fact about Clay County is the "Little Toot" railroad. Often considered a hidden gem, the "Little Toot" railroad is a small-scale, fully operational train located at Leo French Memorial Park in Flora, a city in Clay County. The train is the only one of its kind in the state of Illinois, making it a popular attraction for both children and adults to enjoy an old-fashioned train ride experience.


Featured Cities of Illinois
Camp_Travis Xenia
Featured Properties from USDA Loan Eligible Regions of Clay County