Find USDA Eligible Properties in Shelby County

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There are 1,232 USDA backed residential loans in Shelby county with an average loan balance of $137,751. Over 85% of the loans helped first time home buyers. Borrowers were an average age of 37 years old. The typical appraised home value was around $137,878. On average the rural home size purchased with this loan was approximately 1,588 SqFt. Shelby 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 Shelby County is roughly 2,096 square kilometers. USDA defined regions of rural loan ineligibility in Shelby cover 468 square kilometers of the county. Approximately 22.3% of Shelby County is ineligible for traditional USDA home loans. See 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 Shelby County, AL   Shelby QR code
* cities most likely to have USDA loan eligible properties for sale.

Abbot Springs   •   Acton   •   Aden   •   Alabaster   •   Aldrich   •   Almont   •   Anita   •   Bamford   •   Boothton   •   *Brantleyville   •   Brook Highland   •   Cahaba River Estates   •   Calcis   •   *Calera   •   Camp Horne   •   Chancellor Crossroads   •   *Chelsea   •   Coalmont   •   *Columbiana   •   Creswell   •   Dargin   •   Deerhurst   •   Dogwood   •   *Dunnavant   •   East Saginaw   •   Elliotsville   •   Elvira   •   Erratta   •   Falliston   •   Fourmile   •   Gallups Crossroads   •   Glen Carbon   •   Gurnee   •   Hardy   •   *Harpersville   •   Helena   •   Highland Lakes   •   Indian Springs Village   •   Kewahatchie   •   Kingdom Crossroads   •   Klein   •   Lake Purdy   •   Lawley   •   Maylene   •   Meadowbrook   •   *Montevallo   •   Mossboro   •   Mostellers   •   Old Maylene   •   Ozan   •   Paramount   •   Pasqua   •   Pelham   •   Roberta   •   Roebuck   •   Ryan   •   Saginaw   •   Scottrock   •   *Shelby   •   Shelby Shores   •   Shelby Springs   •   *Shoal Creek   •   Simmsville   •   South Calera   •   Stems   •   *Sterrett   •   Straven   •   Superior   •   Tacoa   •   Tulse   •   Turner   •   *Vandiver   •   Varnons   •   Verlie   •   *Vincent   •   Watkins   •   *Westover   •   *Wilsonville   •   *Wilton   •   Winburn

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 Shelby County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries for
Shelby County, Alabama
USDA Boundary Details

Featured Properties from USDA Loan Eligible Regions of Shelby County
101 Country Hills Rd
Montevallo, AL

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3000 Stonecreek Trce
Helena, AL

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104 Rock Terrace Circle
Helena, AL

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