Find USDA Eligible Properties in San Luis Obispo County


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May 2024 Featured Agents
Heidi Parkins   from   Cramer Consulting Group
Lauren Beckett   from   RE/MAX Success

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Looking to buy in San Luis Obispo County, California?

There are 859 USDA backed residential loans in San Luis Obispo county with an average loan balance of $267,010. Over 87% of the loans helped first time home buyers. Borrowers were an average age of 40 years old. The typical appraised home value was around $267,383. On average the rural home size purchased with this loan was approximately 1,416 SqFt. San Luis Obispo 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 San Luis Obispo County is roughly 8,634 square kilometers. USDA defined regions of rural loan ineligibility in San Luis Obispo cover 166 square kilometers of the county. Approximately 1.9% of San Luis Obispo County is ineligible for traditional USDA home loans. The influence score for San Luis Obispo 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 San Luis Obispo County, CA   San_Luis_Obispo QR code
* cities most likely to have USDA loan eligible properties for sale.

Adelaida   •   Arroyo Grande   •   Asuncion   •   *Atascadero   •   *Avila Beach   •   Baywood Park   •   Bee Rock   •   *Blacklake   •   Bromela   •   California Valley   •   *Callender   •   *Cambria   •   *Cayucos   •   Cholame   •   Chorro   •   *Creston   •   CuestabytheSea   •   Cushing   •   *Edna   •   *El Paso de Robles   •   Estrella   •   *Garden Farms   •   Goldtree   •   Grover Beach   •   Halcyon   •   Harmony   •   Henry   •   Huasna   •   Klau   •   La Panza   •   *Lake Nacimiento   •   Linne   •   *Los Berros   •   *Los Osos   •   *Los Ranchos   •   Miles   •   *Morro Bay   •   *Nipomo   •   *Oak Shores   •   Oceano   •   Old Adobe   •   Pismo Beach   •   Port San Luis   •   Pozo   •   San Lawrence Terrace   •   San Luis Obispo   •   *San Simeon   •   *Santa Margarita   •   Serrano   •   *Shandon   •   Simmler   •   Sycamore Springs   •   *Templeton   •   Thyle   •   Tiber   •   Verde   •   Wellsona   •   *Whitley Gardens   •   *Woodlands

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 San Luis Obispo County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries and read about general conditions of
San Luis Obispo County, California
USDA Boundary Details
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San Luis Obispo County is located in the Central Coast region of California, USA. It is part of the state's burgeoning wine region and has a rich historical background dating back several centuries.

The area was originally inhabited by the Chumash and Salinan Native American tribes well before the arrival of Spanish explorers. In 1542, Juan Rodrguez Cabrillo, a Portuguese explorer sailing under the Spanish flag, became the first European to navigate near the coast of present-day San Luis Obispo County. In 1769, Spanish explorer Gaspar de Portol led an expedition north from San Diego and discovered San Luis Obispo on September 1st. He named the area after Saint Louis of Anjou, then the Bishop of Toulouse.

The establishment of the Spanish mission system in California helped shape San Luis Obispo's development significantly. The Mission San Luis Obispo de Tolosa was founded in 1772 by Father Junpero Serra, becoming the fifth mission in what would become a chain of 21 missions stretching from San Diego to Sonoma. The mission was established to ease the travel route between Mission San Diego and Mission Carmel, as well as to convert the local Native American population to Christianity.

During the Mexican period of Alta California, following Mexico's independence from Spain in 1821, the mission system was gradually secularized. Land grants were given to prominent citizens, leading to the formation of large ranchos throughout the region.

In 1848, as a result of the Treaty of Guadalupe Hidalgo, California was ceded to the United States. With the California Gold Rush in the following years, San Luis Obispo County saw an influx of settlers, leading to its official creation in 1850 when California became a state.

Throughout the 19th and 20th centuries, San Luis Obispo County's economy evolved, with agriculture, mining, ranching, and trade being the primary industries. The railroad's arrival in the 1890s brought increased connectivity and further expansion.

Today, San Luis Obispo County serves as a popular tourist destination due to its beautiful coastline, picturesque vineyards, and charming towns. It is also known for its educational institutions, such as California Polytechnic State University (Cal Poly) in San Luis Obispo.

Fun fact: San Luis Obispo is home to the world-famous Madonna Inn, a unique hotel with 110 individually themed rooms, opened in 1958 by Alex and Phyllis Madonna. The Inn's eclectic dcor and eye-catching design have attracted tourists for decades.


Featured Cities of California
California_Valley Old_Adobe
Featured Properties from USDA Loan Eligible Regions of San Luis Obispo County
5175 San Jacinto Ave
Atascadero, CA

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9890 Huer Huero Rd
Creston, CA

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5650 Rosario Ave
Atascadero, CA

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1315 15th St
Los Osos, CA

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