Find USDA Eligible Properties in Polk County

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Realtors in Polk browse list of realtors working in Polk County
Polk county has 12 realtors ready to help with your search!

May 2024 Featured Agents
Christopher Johnson   from   Platinum Peaks Properties
Angie Garcia   from   I THINK REALTY LLC
Rachel Hallman   from   Exit BayShore Realty
Ronnie DeCarlo   from   Keller Williams Classic Realty

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Looking to buy in Polk County, Florida?

There are 4,365 USDA backed residential loans in Polk county with an average loan balance of $131,277. Over 86% of the loans helped first time home buyers. Borrowers were an average age of 40 years old. The typical appraised home value was around $134,604. On average the rural home size purchased with this loan was approximately 1,679 SqFt. Polk 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 Polk County is roughly 5,205 square kilometers. USDA defined regions of rural loan ineligibility in Polk cover 773 square kilometers of the county. Approximately 14.9% of Polk County is ineligible for traditional USDA home loans. The influence score for Polk County is 2. Look below for 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 Polk County, FL   Polk QR code
* cities most likely to have USDA loan eligible properties for sale.

Achan   •   Agricola   •   Alcoma   •   *Alturas   •   Auburndale   •   *Babson Park   •   Baird   •   Bartow   •   Bereah   •   Berry   •   Bonnie   •   *Bradley Junction   •   Combee Settlement   •   Connersville   •   *Crooked Lake Park   •   Crystal Lake   •   Cypress Gardens   •   *Davenport   •   *Dundee   •   *Eagle Lake   •   Eastwood   •   Eaton Park   •   Eloise   •   Eloise Woods   •   Eva   •   Ewell   •   Fedhaven   •   Floritan   •   *Fort Meade   •   Fountain Heights   •   Fox Town   •   *Frostproof   •   *Fuller Heights   •   *Fussels Corner   •   Galloway   •   Gordonville   •   Green Bay   •   *Grenelefe   •   Griffin   •   *Haines City   •   Hesperides   •   *Highland City   •   *Highland Park   •   *Hillcrest Heights   •   Holiday Manor   •   *Homeland   •   Indian Lake Estates   •   Inwood   •   *Jan Phyl Village   •   *Kathleen   •   Kingsford   •   Kossuthville   •   *Lake Alfred   •   Lake Garfield   •   *Lake Hamilton   •   Lake Shipp Heights   •   *Lake Wales   •   Lake of the Hills   •   Lakeland   •   Lakeland Highlands   •   *Loughman   •   Lucerne Park   •   Lynchburg   •   Maxcy Quarters   •   Medulla   •   Mountain Lake Station   •   *Mulberry   •   Nalcrest   •   Neilson   •   Nichols   •   Oak Terrace   •   Orangedale   •   Pebbledale   •   Pembroke   •   Pierce   •   Pine Dale   •   Pittsburg   •   Poinciana   •   Poinsettia Park   •   *Polk City   •   Poyner   •   Providence   •   Rock Ridge   •   Rolling Hills   •   Roux Quarters   •   Royster   •   Socrum   •   South Mulberry   •   Tancrede   •   Tiger Bay   •   *Wahneta   •   *Waverly   •   West Lake Wales   •   West Scenic Park   •   *Willow Oak   •   Winston   •   Winter Haven   •   Withla   •   Wolfolk

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 Polk County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries and read about general conditions of
Polk County, Florida
USDA Boundary Details

Polk County, located in the central part of Florida, was established on February 8, 1861, and named in honor of the 11th President of the United States, James K. Polk. The county is part of the Lakeland-Winter Haven Metropolitan Statistical Area and encompasses an area of approximately 2,011 square miles.

Before becoming Polk County, the land had been home to indigenous people for thousands of years. The European contact began in the 16th century with Spanish explorers such as Ponce de Len and Hernando de Soto. The definitive settlement by Europeans started in the early 19th century when pioneers arrived, attracted by the favorable climate for agriculture and the rich soil.

During the late 19th and early 20th centuries, Polk County witnessed significant economic growth, primarily due to the booming phosphate mining industry. Phosphate, a key component for fertilizers, was discovered in the area in 1881 and marked the beginning of a prosperous industry. Apart from phosphate mining, the county's economy also relied on citrus production and cattle ranching.

As the county developed further, transportation links improved, and numerous railroad lines were built, connecting Polk County to other key cities in Florida. In addition, the establishment of military training bases during World War II led to a population surge as soldiers and their families moved to the region.

Fun Fact: Polk County is known as the "Water Ski Capital of the World" due to its numerous freshwater lakes and the abundance of professional water skiers who reside and train in the area. Cypress Gardens, a famous water ski park established in 1936, helped popularize the sport and attracted thousands of tourists every year. Even though the park closed in 2009, it has left a lasting impact on the county's identity as a hub for water skiing.

Featured Cities of Florida
Willow_Oak Connersville
Featured Properties from USDA Loan Eligible Regions of Polk County
7204 Sheffield Dr
Lakeland, FL

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8065 Alturas Babson Park Cutoff Rd
Bartow, FL

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9330 Woodview Dr
Polk City, FL

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148 Hickory Hammock Rd
Lake Wales, FL

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