Find USDA Eligible Properties in Monterey County


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Monterey county has 4 usdaproperties.com realtors ready to help with your search!

March Featured Agents
Nicole Truszkowski   from   Sotheby's International Realty
Derek Scranton   from   Donohue Real Estate, LLC
Michelle Ennis   from   Guarantee Real Estate
Darren HouseR   from   Bailey Properties

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Looking to buy in Monterey County, California?

There are 1,341 USDA backed residential loans in Monterey county with an average loan balance of $212,689. Over 91% of the loans helped first time home buyers. Borrowers were an average age of 42 years old. The typical appraised home value was around $220,835. On average the rural home size purchased with this loan was approximately 1,445 SqFt. Alternate income limits exist to determine loan eligibility in Monterey county. For a household of upto 4 people the income limit is $103,300. For a household of between 5 and 8 people the income limit increases to $136,350.

The size of Monterey County is roughly 8,593 square kilometers. USDA defined regions of rural loan ineligibility in Monterey cover 329 square kilometers of the county. Approximately 3.8% of Monterey County is ineligible for traditional USDA home loans. The influence score for Monterey 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 Monterey County, CA   Monterey QR code
* cities most likely to have USDA loan eligible properties for sale.

Big Sur   •   Bolsa Knolls   •   Boronda   •   *Bradley   •   Bryson   •   Camphora   •   Cannery Row   •   CarmelbytheSea   •   Carmel Highlands   •   Carmel Valley   •   *Carmel Valley Village   •   *Castroville   •   *Chualar   •   Coburn   •   Del Monte Forest   •   Del Rey Oaks   •   East Garrison   •   *Elkhorn   •   Elsa   •   Fort Romie   •   Gabilan Acres   •   *Gonzales   •   Gorda   •   *Greenfield   •   Harlem   •   Jamesburg   •   Jolon   •   *King City   •   *Las Lomas   •   *Lockwood   •   Lonoak   •   Lucia   •   Marina   •   Metz   •   Millers Ranch   •   Molus   •   Monterey   •   *Moss Landing   •   Nacimiento   •   Nashua   •   Natividad   •   Neponset   •   Old Hilltown   •   Pacific Grove   •   Pacific Grove Acres   •   *Pajaro   •   Parkfield   •   Pebble Beach   •   Penvir   •   *Pine Canyon   •   Plaskett   •   Pleyto   •   Posts   •   *Prunedale   •   Robles Del Rio   •   Salinas   •   *San Ardo   •   *San Lucas   •   Sand City   •   Santa Rita   •   Seaside   •   *Soledad   •   Spence   •   *Spreckels   •   Springtown   •   Sycamore Flat   •   Tassajara Hot Springs   •   Valleton   •   Welby   •   Wunpost

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 Monterey County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries and read about general conditions of
Monterey County, California
USDA Boundary Details
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Monterey County, located on the central coast of California, has a rich and diverse history dating back to its Native American roots. The area was initially inhabited by the Ohlone, Salinan, and Esselen tribes who lived in the region for thousands of years before European contact.

Spanish explorer Juan Rodrguez Cabrillo first sighted Monterey Bay in 1542, but it wasn't until 1602 that explorer Sebastin Vizcano was sent by Spain to map the Californian coastline. He named the bay after the Count of Monterey, the viceroy of New Spain.

In 1770, under the direction of Father Junpero Serra, the Spanish established the Mission San Carlos Borromeo de Carmelo, also known as the Carmel Mission. Monterey subsequently became the capital of Alta California under both Spanish and Mexican rule. The city played a significant role in California's early history; Spain and Mexico used the Presidio of Monterey, a military fort, to maintain control over the region.

Monterey lost its capital status when California became a part of the United States in 1850 post-Mexican-American War; the capital was moved to San Jose, Vallejo, and ultimately Sacramento. Throughout the late 19th and early 20th century, Monterey County became famous for its fishing industry, especially in sardines. Cannery Row, the street full of sardine canneries, was immortalized by Nobel Prize-winning author John Steinbeck in his 1945 novel, "Cannery Row."

Today, Monterey County is known for its breathtaking coastline, including scenic spots like Pebble Beach and Big Sur, as well as its thriving agricultural industry. Monterey is now a tourist destination that attracts visitors for its beautiful beaches, world-class golf courses, incredible marine life, and charming historical sites.

Fun Fact: The Monterey Bay Aquarium is one of the largest and most highly-regarded aquariums in the United States. It is home to a unique display of marine life, from sea otters and penguins to jellyfish and more. The aquarium is also a leading research and conservation organization working to protect the ocean and marine animals worldwide.


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Featured Properties from USDA Loan Eligible Regions of Monterey County