Find USDA Eligible Properties in Bay County


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There are 1,141 USDA backed residential loans in Bay county with an average loan balance of $139,438. Over 78% of the loans helped first time home buyers. Borrowers were an average age of 38 years old. The typical appraised home value was around $142,157. On average the rural home size purchased with this loan was approximately 1,436 SqFt. Bay 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 Bay County is roughly 2,290 square kilometers. USDA defined regions of rural loan ineligibility in Bay cover 282 square kilometers of the county. Approximately 12.3% of Bay County is ineligible for traditional USDA home loans. 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 Bay County, FL   Bay QR code
* cities most likely to have USDA loan eligible properties for sale.

Allanton   •   Bahama Beach   •   Bayhead   •   Bayou George   •   Bayview   •   Beacon Beach   •   Bennett   •   Betts   •   Biltmore Beach   •   Brannonville   •   Cairo   •   *Callaway   •   Cedar Grove   •   Cromanton   •   Delwood Beach   •   Dirego Park   •   Econfina   •   Farmdale   •   Fountain   •   Gulf Lagoon Beach   •   Gulf Resort Beach   •   Hollywood Beach   •   Laguna Beach   •   Laird   •   Long Point   •   Lower Grand Lagoon   •   Lynn Haven   •   Magnolia Beach   •   Majette   •   *Mexico Beach   •   Nixon   •   Open Sands   •   *Panama City   •   Panama City Beach   •   Parker   •   Pine Log   •   Pretty Bayou   •   Resota Beach   •   San Blas   •   Saunders   •   Seminole Hills   •   Southport   •   Springfield   •   Sunnyside   •   Tyndall AFB   •   Upper Grand Lagoon   •   Vicksburg   •   West Bay   •   Youngstown

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 Bay County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries for
Bay County, Florida
USDA Boundary Details
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Featured Properties from USDA Loan Eligible Regions of Bay County
7124 Ellie B Dr
Panama City, FL

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4727 Firefly Lane
PANAMA CITY, FL

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