Find USDA Eligible Properties in Alachua County
Looking to buy in Alachua County, Florida?
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 Alachua County, FL 
* cities most likely to have USDA loan eligible properties for sale.
*Alachua • *Archer • Arredondo • Beckhamtown • Beville Heights • Bland • Buckingham West • Buda • Burnetts Lake • Cadillac • Campville • Chantilly Acres • Clark • Copeland Settlement • Cross Creek • Daysville • Durant Estates • Earleton • Evinston • Fairbanks • Forest Grove • Gainesville • Grove Park • Hague • Haile • Hainesworth • Half Moon • Hasan • *Hawthorne • *High Springs • Island Grove • Jonesville • Kanapaha • Kincaid Hills • Kirkwood• • •
| 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 Crosse • Lochloosa • Los Trancos Woods • Louise • *Micanopy • Monteocha • *Newberry • Newnans Lake Homesites • Northwood • Orange Heights • Paradise • Peach Orchard • Phifer • Pine Hill Estates • Pinesville • Rex • Robinson Heights • Rochelle • Rocky Point • Rutledge • Santa Fe • Santa Fe Beach • Shadow Lawn Estates • Shannon Wood • Shenks • Suburban Heights • Tacoma • Traxler • Wacahoota • Wade • *Waldo • West Hills • Wimberly Estates
There are 557 USDA backed residential loans in Alachua county with an average loan balance of $142,653. Over 84% of the loans helped first time home buyers. Borrowers were an average age of 37 years old. The typical appraised home value was around $144,577. On average the rural home size purchased with this loan was approximately 1,556 SqFt. Alachua 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 Alachua County is roughly 2,511 square kilometers. USDA defined regions of rural loan ineligibility in Alachua cover 297 square kilometers of the county. Approximately 11.9% of Alachua County is ineligible for traditional USDA home loans. The influence score for Alachua County is 2. 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 properties in Alachua County.
View the detailed USDA boundaries and read about general conditions of
Alachua County, Florida
.Alachua County, located in the north-central part of Florida, has a rich and diverse history. Prior to the arrival of Europeans, the area was inhabited by indigenous peoples, including the Timucua, who established complex societies and engaged in agriculture, fishing, and trading.
In 1539, Spanish explorer Hernando de Soto and his expedition passed through the region. However, it wasn't until the late 17th century when Spanish missionaries began to establish missions among the Timucua people. The Native American population then suffered decimating effects from European-brought diseases and warfare.
The area became a British territory from 1763 to 1783, before reverting back to Spanish control. In 1821, the United States acquired Florida from Spain, and in 1824, Alachua County was established. Its territorial boundaries extended to the Gulf of Mexico, including present-day Levy, Gilchrist, Dixie, and Lafayette counties as well as parts of Marion, Alachua, and Suwannee. In 1838, during the Second Seminole War, the county seat was established at the Town of Newnansville, named after South Carolina-born settler Daniel Newnan.
The mid-19th century saw the escalation of tensions between the North and South over the issue of slavery. Florida seceded from the Union in 1861 and joined the Confederacy, but after the Civil War, it was readmitted to the United States in 1868. The area's economy relied on the agriculture and the production of cotton, tobacco, and livestock.
In the late 19th and early 20th centuries, the railroad industry expanded, and the phosphate mining industry also began to thrive, playing a crucial role in Alachua County's economy. The county seat was later moved from Newnansville to Gainesville in 1853, which remains the largest city and major urban center in Alachua County. Today, the University of Florida, established in Gainesville in 1906, is a prominent institution that greatly contributes to the county's academic and economic development.
Fun Fact: Alachua County is home to the Devil's Millhopper Geological State Park, which houses one of Florida's most intriguing geological features: a sinkhole created by the dissolution of limestone, which has formed a 120-foot deep, bowl-shaped cavity. A miniature rainforest flourishes at the base, creating a unique ecosystem that attracts visitors from near and far.
Featured Cities of Florida
browse list of realtors working in Alachua CountyAlachua county has 6 usdaproperties.com realtors ready to help with your search!
| June 2025 Featured Agents | |
|---|---|
| Victor Borrero | from Florida Homes Realty and Mortgage |
| Frank N Falbo PA | from Platinum Homes and Land Realty |
| Jennifer Lee | from Campus to Coast Realty |
| Neha Sharma | from Coldwell Banker |
| Victoria Carlisle | from Herron Real Estate |
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