Find USDA Eligible Properties in Habersham County
Looking to buy in Habersham County, Georgia?
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 Habersham County, GA 
* cities most likely to have USDA loan eligible properties for sale.
Aerial • *Baldwin • *Clarkesville • *Cornelia • *Demorest • Dicks Hill • Dixon Crossroads • Habersham • Harvest • Hills • Hollywood• • •
| 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 |
• *Mount Airy • New Switzerland • Pardue Mill • *Raoul • Shirley Grove • Shorts Mill • *Tallulah Falls • Turnerville
There are 642 USDA backed residential loans in Habersham county with an average loan balance of $113,117. Over 83% of the loans helped first time home buyers. Borrowers were an average age of 39 years old. The typical appraised home value was around $116,237. On average the rural home size purchased with this loan was approximately 1,514 SqFt. Habersham 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 Habersham County is roughly 723 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Habersham County is 8. 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 Habersham County.
View the detailed USDA boundaries and read about general conditions of
Habersham County, Georgia
.Habersham County is located in the northeastern part of Georgia, in the United States. Established on December 15, 1818, the county was named in honor of Colonel Joseph Habersham, a decorated Revolutionary War hero and three-term Postmaster General under President George Washington. Its county seat, Clarkesville, was established in 1821.
Habersham County's early economy was primarily based on agriculture, with cotton being the dominant crop until the 1920s. The arrival of the railroad in the 1880s encouraged industrialization and tourism, eventually diversifying the local economy. A significant number of historic sites can be found in the county, including 19th-century buildings and prehistoric Native American sites.
One fun fact about Habersham County is the Tallulah Gorge, which is a 2-mile-long, 1,000-foot-deep canyon located partly in the county. The gorge is a popular destination for hikers, sightseers, and outdoor enthusiasts. In 1970, the French high-wire artist Philippe Petit performed a tightrope walk from one side of the gorge to the other, drawing national attention and further cementing Habersham County's mark in history.
Featured Cities of Georgia
browse list of realtors working in Habersham CountyHabersham county has 2 usdaproperties.com realtors ready to help with your search!
| June 2025 Featured Agents | |
|---|---|
| Keith Boger | from Berkshire Hathaway HomeServices GA Prop |
| Zach Garvey | from Zach Garvey Team of Keller Williams Realty |
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