Find USDA Eligible Properties in Santa Cruz County


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There are 155 USDA backed residential loans in Santa Cruz county with an average loan balance of $312,597. Over 83% of the loans helped first time home buyers. Borrowers were an average age of 43 years old. The typical appraised home value was around $311,493. On average the rural home size purchased with this loan was approximately 1,300 SqFt. Alternate income limits exist to determine loan eligibility in Santa Cruz county. For a household of upto 4 people the income limit is $163,500. For a household of between 5 and 8 people the income limit increases to $215,800.

The size of Santa Cruz County is roughly 1,161 square kilometers. USDA defined regions of rural loan ineligibility in Santa Cruz cover 294 square kilometers of the county. Approximately 25.4% of Santa Cruz County is ineligible for traditional USDA home loans. The influence score for Santa Cruz County is 1. See 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 Santa Cruz County, CA   Santa_Cruz QR code
* cities most likely to have USDA loan eligible properties for sale.

Amesti   •   Aptos   •   *Aptos HillsLarkin Valley   •   *Ben Lomond   •   Beulah Park   •   *Bonny Doon   •   *Boulder Creek   •   Brackney   •   *Brookdale   •   Camp Evers   •   Capitola   •   Chittenden   •   *Corralitos   •   *Davenport   •   *Day Valley   •   Ellicott   •   *Felton   •   Forest Park   •   Forest Springs   •   Freedom   •   Glen Arbor   •   Glenwood   •   Gordola   •   Interlaken   •   *La Selva Beach   •   Laurel   •   *Lompico   •   Majors   •   Mission Springs   •   Monte Toyon   •   *Mount Hermon   •   Olympia   •   Opal Cliffs   •   *Pajaro Dunes   •   Paradise Park   •   Pasatiempo   •   Pleasure Point   •   Redwood Grove   •   Rio del Mar   •   Riverside Grove   •   San Lorenzo Park   •   Santa Cruz   •   *Scotts Valley   •   Seacliff   •   Soquel   •   Swanton   •   The Willows   •   Twin Lakes   •   Watsonville   •   *Zayante

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 Santa Cruz County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries for
Santa Cruz County, California
USDA Boundary Details
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Featured Cities
Pasatiempo Seacliff
Featured Properties from USDA Loan Eligible Regions of Santa Cruz County
1374 Hartman Ave
Ben Lomond, CA

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1675 San Miguel Canyon Rd
Royal Oaks, CA

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214 Celia Ave
Boulder Creek, CA

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21 Brimblecom Rd
Boulder Creek, CA

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