Find USDA Eligible Properties in Santa Cruz County


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Realtors in Santa_Cruz browse list of realtors working in Santa Cruz County
Santa Cruz county has 3 usdaproperties.com realtors ready to help with your search!

May 2024 Featured Agents
Derek Scranton   from   Donohue Real Estate, LLC
Shemeika Fox   from   eXp Realty of California, Inc.
Darren HouseR   from   Bailey Properties

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Looking to buy in Santa Cruz County, California?

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. 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 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 and read about general conditions of
Santa Cruz County, California
USDA Boundary Details
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Santa Cruz County, located on the central coast of California, has a rich and diverse history that dates back thousands of years. The region was first inhabited by the Ohlone Native American tribe, who established numerous villages along the fertile valleys, beautiful coastlines, and lush forests.

Spanish explorer Gaspar de Portol discovered the area in 1769 as part of his expedition along the California coast. In 1791, the Spanish established the Mission Santa Cruz, the twelfth Spanish mission built in California. The mission was an integral part of the Alta California missionary system aimed at converting and integrating native populations into Spanish colonial society.

Following Mexican independence from Spain in 1821, the California missions were secularized. Santa Cruz County was created in 1850 as one of the original counties of the newly-formed state of California. The region saw rapid development in agriculture, logging, and mining, driven by the arrival of American settlers and later the Chinese immigrants, who contributed significantly to the local economy.

The late 19th and early 20th centuries saw the growth of Santa Cruz as a popular seaside resort town, attracting numerous visitors from the San Francisco Bay Area. The Santa Cruz Beach Boardwalk, one of the oldest amusement parks in the United States, opened in 1907 and remains a popular attraction today.

A fun fact about Santa Cruz County is that it is home to the Mystery Spot, a popular tourist attraction based on the concept of a gravitational anomaly. Opened in 1940, this site has captured the imagination of visitors with its unusual demonstrations of apparent defiance of gravity, and it remains a favorite destination for people seeking an entertaining and puzzling experience.


Featured Cities of California
Brookdale Pajaro_Dunes
Featured Properties from USDA Loan Eligible Regions of Santa Cruz County
443 Cloudview Dr
Watsonville, CA

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602 Maher Rd
Royal Oaks, CA

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1445 Dougmar Dr
Santa Cruz, CA

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302 California Ave
Santa Cruz, CA

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