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Find USDA Eligible Properties in Shelby County
browse list of realtors working in Shelby County
Shelby county has 4 usdaproperties.com realtors ready to help with your search!
| April Featured Agents | |
|---|---|
| Darlene Rice | from Exit Royal Realty |
| Mattie Bell | from Century 21 Advantage |
| Bennie Thompson | from EXIT Magic City Realty |
| Barb Turbville | from exp realty |
Contact an Agent for Help Looking to buy in Shelby County, Alabama?
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. The influence score for Shelby County is 2. 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 Shelby County, AL 
* 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.
View the detailed USDA boundaries and read about general conditions of
Shelby County, Alabama
.Shelby County is located in the central part of the great state of Alabama and is named after Isaac Shelby, a Revolutionary War officer and the first Governor of Kentucky. Established on February 7, 1818, Shelby County originally spanned across present-day Chilton County and a large portion of St. Clair County. Its county seat is Columbiana, but the largest city in the region is Alabaster.
Shelby County was originally inhabited by various Native American tribes, including the Creek, Choctaw, and Cherokee. The first European settlers came in the early 19th century, and the Treaty of Fort Jackson, signed in 1814, allowed for the establishment of the county and an influx of settlers. Over time, the area became an important agricultural center, with cotton being the predominant crop.
During the Civil War, the Confederate government operated a major foundry in the county, known as the Shelby Iron Works. This foundry supplied pig iron to the Confederate arsenal, making Shelby County an important center of industry in the Confederacy.
In the 20th century, Shelby County underwent significant transition and development. The mining industry helped grow the economy, while highways provided new links to the expanding city of Birmingham. In recent years, Shelby County has experienced rapid population growth and economic expansion due to its proximity to Birmingham, one of Alabama's biggest urban centers.
Fun fact: Oak Mountain State Park, located within Shelby County, is the largest state park in Alabama, spanning over 9,940 acres. The park offers a wide range of outdoor recreational activities, including hiking, biking, fishing, and horseback riding, making it a popular destination for both residents and tourists.
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