USDA loan eligible properties in Sebastian County, AR 
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* cities most likely to have USDA loan eligible properties for sale.
Apex • Arkola • Barling • Big Rock • Bloomer • *Bonanza • Buell • Burnville • Carnis • *Central City • Dayton • Diamond Grove • Enterprise • Excelsior • Fort Smith • Fox Hill • Frog Town • *Greenwood • *Hackett • *Hartford • • •
| 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 |
• *Huntington • Island • Jenson • *Lavaca • *Mansfield • Massard • *Midland • Milltown • Montreal • New Jenny Lind • Oak Park • Old Jenny Lind • Riverdale • Slaytonville • Ursula • Washburn • West Hartford • Witcherville
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BECKY HOOPENGARNER
There are 729 USDA backed residential loans in Sebastian county with an average loan balance of $107,606. Over 75% of the loans helped first time home buyers. Borrowers were an average age of 37 years old. The typical appraised home value was around $111,141. On average the rural home size purchased with this loan was approximately 1,471 SqFt. Sebastian 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 Sebastian County is roughly 1,416 square kilometers. USDA defined regions of rural loan ineligibility in Sebastian cover 210 square kilometers of the county. Approximately 14.9% of Sebastian County is ineligible for traditional USDA home loans. The influence score for Sebastian County is 2. 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 Sebastian County.
View the detailed USDA boundaries and read about general conditions of
Sebastian County, Arkansas
.Sebastian County, located in the great state of Arkansas, was established on January 6, 1851, and named after William K. Sebastian, a prominent U.S. Senator from Arkansas. The county is split into two regions with the Arkansas River acting as a dividing line; the southern region is a part of the Ouachita Mountains, while the northern area lies in the Arkansas River Valley. Fort Smith, the county seat and historically a significant military and trading outpost, was established in 1817 near the Arkansas River and rapidly became a crucial location in westward expansion.
Sebastian County played a pivotal role during the Civil War, with several skirmishes taking place in the region. On September 1, 1863, a notable fight occurred at Fort Smith in the Battle of Devil's Backbone, where Union forces successfully defended the city against Confederate forces' attacks.
In the late 19th and early 20th centuries, Sebastian County became pivotal in the coal and railroad industries. Coal mining boomed in the area, employing thousands of workers and supplying energy for local and regional consumption. The growth of the rail system further enhanced the county's economy and expansion.
In modern times, Sebastian County is known for its vibrant cultural scene, outdoor activities, and historical sites. The region offers various attractions such as the Fort Smith National Historic Site, the Fort Smith Museum of History, and the Fort Smith Trolley Museum. Additionally, the Arkansas River offers numerous recreational opportunities, such as fishing and boating.
A fun fact about Sebastian County is that Fort Smith, the county's largest city, is home to the annual Unexpected Festival, a renowned public arts event where international and local artists paint murals on historic downtown buildings, transforming Fort Smith into an iconic open-air art gallery.
Featured Cities of Arkansas
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