Find USDA Eligible Properties in Okaloosa County
Looking to buy in Okaloosa 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 Okaloosa County, FL 
* cities most likely to have USDA loan eligible properties for sale.
Auburn • Baker • Beaver Creek • Blackman • Campton • Cannon Town • Cinco Bayou • Clear Springs • *Crestview • Deerland • Destin • Dorcas • Eglin AFB • Eglin Village • Escambia Farms • Fort Walton Beach • Galliver • Garden City • Garnier • Good Hope• • •
| 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 |
• Holt • Kellys Mill • Killingsworth Crossroads • Lake Lorraine • *Laurel Hill • Mary Esther • Milligan • Niceville • Nubbin Ridge • Ocean City • Okaloo • Peaden • Postil • Shalimar • Svea • Valparaiso • Wright • Wynnehaven Beach
There are 1,276 USDA backed residential loans in Okaloosa county with an average loan balance of $134,266. Over 81% of the loans helped first time home buyers. Borrowers were an average age of 38 years old. The typical appraised home value was around $136,723. On average the rural home size purchased with this loan was approximately 1,485 SqFt. Okaloosa 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 Okaloosa County is roughly 2,580 square kilometers. USDA defined regions of rural loan ineligibility in Okaloosa cover 245 square kilometers of the county. Approximately 9.5% of Okaloosa County is ineligible for traditional USDA home loans. The influence score for Okaloosa 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 Okaloosa County.
View the detailed USDA boundaries and read about general conditions of
Okaloosa County, Florida
.Okaloosa County is located in the northwestern panhandle of Florida and was officially established on September 7, 1915. It was formed from parts of both Santa Rosa and Walton Counties. The name "Okaloosa" comes from the Choctaw words "oka" (meaning "water") and "lusa" (meaning "black"), which translates to "black water." This is a reference to the dark and tannic waters of the Yellow River, which runs through the county.
Crestview serves as the county seat, while Fort Walton Beach is the largest city in the area. As part of the larger region known as the Emerald Coast, Okaloosa County is known for its pristine, white sandy beaches and emerald-green waters, making it a popular tourist destination.
During World War II, a significant portion of Okaloosa County was used by the military for training purposes. Eglin Air Force Base was established in 1935 and named after Lieutenant Colonel Frederick I. Eglin, an early aviation pioneer. Today, the base is pivotal to military aviation training and testing, as well as housing the Air Force Armament Museum.
A fun fact about Okaloosa County is that it is home to a unique and rare natural phenomenon the coastal dune lakes. These lakes, found in only a few places around the world, are a mixture of both fresh and saltwater due to their proximity to the Gulf of Mexico. This creates diverse ecosystems that harbor a rich variety of plant and animal species.
Featured Cities of Florida
browse list of realtors working in Okaloosa CountyOkaloosa county has 3 usdaproperties.com realtors ready to help with your search!
| June 2025 Featured Agents | |
|---|---|
| Angel Meeks | from Coldwell Banker Realty |
| Rima Cole | from Keller Williams Realty Emerald Coast |
| Michael Kocher | from Realty ONE Group Emerald Coast |
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