USDA loan eligible properties in La Plata County, CO 
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* cities most likely to have USDA loan eligible properties for sale.
Allison • *Bayfield • Bondad • Breen • Cascade • Columbus • *Durango • Falfa • Florida • Gem Village • Grandview • Hermosa • Hesperus • *Ignacio • Kline • La Boca • • •
| 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 |
• La Plata • La Posta • Loma Linda • Marvel • Mayday • Oxford • Pinon Acres • Redmesa • Rockwood • *Southern Ute • Tacoma • Tiffany • Trimble • Vallecito
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Marcie Lewis
There are 284 USDA backed residential loans in La Plata county with an average loan balance of $235,726. Over 80% of the loans helped first time home buyers. Borrowers were an average age of 38 years old. The typical appraised home value was around $242,843. On average the rural home size purchased with this loan was approximately 1,431 SqFt. Alternate income limits exist to determine loan eligibility in La Plata county. For a household of upto 4 people the income limit is $95,000. For a household of between 5 and 8 people the income limit increases to $125,400.
The size of La Plata County is roughly 4,397 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for La Plata County is 7. 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 La Plata County.
View the detailed USDA boundaries and read about general conditions of
La Plata County, Colorado
.La Plata County is located in the southwest corner of the great state of Colorado. Named after the La Plata River, which means "silver river" in Spanish, the county was established in February 1874 by the Colorado State Legislature. The area has a rich history, deeply rooted in Native American cultures, mining, and agriculture.
The ancestral Puebloans were among the first inhabitants of the region, leaving behind fascinating archaeological sites such as the Mesa Verde National Park. The Ute Indians arrived later in the 13th century, and their descendants still reside in the Southern Ute Indian Reservation, situated within the county.
The 1860s marked the beginning of the Colorado Gold Rush. Miners and settlers flocked to the region, drawn by the prospect of finding precious metals. Although gold was rare in La Plata County, silver, zinc, and lead mines flourished. Durango, the county seat, was founded in 1880 by the Denver & Rio Grande Railroad to serve the San Juan mining district. The railroad connected Silverton to Durango, vital for transporting minerals and supplies.
La Plata County transitioned from mining to agriculture in the early 20th century, as it has fertile lands and suitable climate for farming and ranching. Agriculture remains an essential part of the county's economic landscape today.
Fun fact: La Plata County is home to the Durango & Silverton Narrow Gauge Railroad, a historic steam-powered train that has been in operation since 1882. This iconic train travels through the picturesque San Juan National Forest and offers passengers a unique glimpse into Colorado's mining history and stunning scenic beauty.
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