Find USDA Eligible Properties in Columbia County
Looking to buy in Columbia 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 Columbia County, FL 
* cities most likely to have USDA loan eligible properties for sale.
Bass • Benton • Columbia • Deep Creek • Ellisville • Fairview • *Five Points • *Fort White • Hollingsworth Bluff • Lacymark • *Lake City • Lulu • Mason• • •
| 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 |
• Mikesville • Mount Carrie • Myrtis • Navair • Newco • Springville • Suwannee Valley • *Watertown • Wilburn • Winfield
There are 531 USDA backed residential loans in Columbia county with an average loan balance of $112,338. 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 $119,923. On average the rural home size purchased with this loan was approximately 1,547 SqFt. Columbia 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 Columbia County is roughly 2,074 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Columbia County is 5. 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 Columbia County.
View the detailed USDA boundaries and read about general conditions of
Columbia County, Florida
.Columbia County, located in the great state of Florida, was established on February 4, 1832, and was named after Christopher Columbus. The county has a rich historical background. In the early times, it was inhabited by native tribes like the Timucua Indians before European settlers arrived.
During the 17th and 18th centuries, Spanish and English colonists occupied parts of the region. However, it was after the acquisition of Florida by the United States in 1821 that the settlement of this area accelerated. The county was formed from the Alachua and Duval counties as settlers moved in and took advantage of the fertile soil for cultivating cotton and tobacco.
The county seat, Lake City, was initially named Alligator in honor of a Seminole War chief named Halpatter Tuste-Nika, also known as Chief Alligator. It was later renamed in 1859 to reflect its newfound prominence as a major transportation hub in the area.
A fun fact about Columbia County revolves around the town of Fort White. Founded in the 1830s, Fort White was an important "Fort" during the Second Seminole War (1835-1842). The town saw incredible growth after phosphate deposits were discovered in the late 1800s, which enabled it to boom as a mining center. These days, Fort White is a picturesque, small town, and a popular spot for tourists exploring the Ichetucknee Springs State Park that provides tubing, snorkeling, and scuba diving in the crystal-clear waters of the Ichetucknee River.
Featured Cities of Florida
browse list of realtors working in Columbia CountyColumbia county has 4 usdaproperties.com realtors ready to help with your search!
| July 2025 Featured Agents | |
|---|---|
| Jo Lytte | from Remax Professionals, Inc |
| Victoria Carlisle | from Herron Real Estate |
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