USDA loan eligible properties in Polk County, GA 
Select from the list of cities below or use the search feature to find active property listings in a city or postal code where you would like to live.
* cities most likely to have USDA loan eligible properties for sale.
Akes • *Aragon • Benedict • Caseyville • *Cedartown • Esom Hill • Etna • Fish Creek • Fullwood Springs • • •
| 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 |
• Iron Stab • Lake Creek • Portland • Prior • *Rockmart • Seney • Van Wert • Youngs
browse list of realtors working in Polk CountyThere are 449 USDA backed residential loans in Polk county with an average loan balance of $95,218. Over 86% of the loans helped first time home buyers. Borrowers were an average age of 39 years old. The typical appraised home value was around $97,448. On average the rural home size purchased with this loan was approximately 1,489 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 809 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Polk County is 4. 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 Polk County.
View the detailed USDA boundaries and read about general conditions of
Polk County, Georgia
.Polk County, situated in the northwestern part of the great state of Georgia, was established on December 20, 1851. Named after the 11th President of the United States, James K. Polk, the county was formed from portions of Paulding and Floyd counties. In its early years, agriculture played a significant role in the local economy, with crops like corn, wheat, and cotton being the most prevalent.
The county seat, Cedartown, was incorporated in 1854, and it derived its name from the abundance of red cedar trees in the area. Another significant city in the county is Rockmart, which was incorporated in 1872 and owes its name to a local businessman who owned a rock market in the city. The presence of a railroad in the late 1800s fueled the growth of industry and commerce in Polk County, particularly in Rockmart.
One fun fact about Polk County is its rich natural beauty, which includes the Silver Comet Trail. This popular multi-use paved trail was created on an abandoned railroad line and spans over 61 miles, stretching from Smyrna, Georgia, to the Alabama state line. Visitors and residents can enjoy biking, jogging, or walking while taking in picturesque landscapes, wildlife, and historic sites along the trail.
Featured Cities of Georgia
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