USDA loan eligible properties in Polk County, AR 
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* cities most likely to have USDA loan eligible properties for sale.
Acorn • Big Fork • Board Camp • Bog Springs • *Cove • Dallas • Eagleton • Fogel • *Grannis • Hartley • *Hatfield • Hatton • Howard • Ink • • •
| What is a USDA Loan? |
| The USDA 502 Guaranteed Loan Program is designed to help homebuyers in eligible rural areas secure affordable housing with no down payment required. Backed by the U.S. Department of Agriculture, this loan offers competitive interest rates, flexible credit requirements, and lower mortgage insurance costs compared to conventional loans. Borrowers work with approved lenders, and the USDA provides a guarantee, reducing the lender’s risk and making homeownership more accessible. |
| Take the First Step Toward 0% Down Financing |
• *Mena • Mountain Fork • Nunley • Old Cove • Opal • Potter • Rich Mountain • Rocky • Shady • *Vandervoort • *Wickes • Yocana
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There are 148 USDA backed residential loans in Polk county with an average loan balance of $85,685. Over 72% of the loans helped first time home buyers. Borrowers were an average age of 40 years old. The typical appraised home value was around $90,575. On average the rural home size purchased with this loan was approximately 1,478 SqFt. Polk 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 Polk County is roughly 2,233 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Polk County is 8. Look below for the interactive county level map illustration below for more details.
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 loan eligible properties in Polk County.
View the detailed USDA boundaries and read about general conditions of
Polk County, Arkansas
.Polk County, located in the great state of Arkansas, was established on November 30, 1844. It was named in honor of James K. Polk, the 11th President of the United States. The county is part of the Ouachita Mountains region, which spans southwestern Arkansas and southeastern Oklahoma. Its county seat, Mena, was established in 1896 and named after the wife of one of the founders of the Kansas City, Pittsburg, and Gulf Railroad.
The region's rich history dates back to the Native American Caddo tribes, who lived in the area before European settlement. In the early 1800s, white settlers began to arrive, pushing the Caddo people to the west. The prospect of new lands brought many pioneering settlers from other states, such as Tennessee, Kentucky, and Alabama. They engaged in agricultural pursuits, timber extraction, and animal trapping.
Polk County's economy has thrived on a diverse range of industries throughout its history, including lumber, agriculture, and mining. The discovery of rich deposits of silver, lead, and zinc in the 1880s led to a mining boom, which later shifted to the coal and natural gas industries.
A fun fact about Polk County is that it is home to a portion of the scenic Talimena National Scenic Byway. This 54-mile route showcases stunning views of the Ouachita Mountains and serves as a popular destination for tourists, especially during the fall season when the foliage changes color. The byway also provides access to the Queen Wilhelmina State Park, which boasts an eclectic history as a luxury resort and a haven for fugitive criminals during the 19th and 20th centuries. Today, the park is a popular destination for outdoor enthusiasts and history buffs alike.
Featured Cities of Arkansas
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