Find USDA Eligible Properties in Stephens County

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Stephens county has 2 realtors ready to help with your search!

June 2024 Featured Agents
Keith Boger   from   Berkshire Hathaway HomeServices GA Prop
Zach Garvey   from   Zach Garvey Team of Keller Williams Realty

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Looking to buy in Stephens County, Georgia?

There are 253 USDA backed residential loans in Stephens county with an average loan balance of $93,418. Over 84% of the loans helped first time home buyers. Borrowers were an average age of 40 years old. The typical appraised home value was around $97,408. On average the rural home size purchased with this loan was approximately 1,568 SqFt. Stephens 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 Stephens County is roughly 476 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Stephens County is 8. 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 Stephens County, GA   Stephens QR code
* cities most likely to have USDA loan eligible properties for sale.

*Avalon   •   Ayersville   •   Carnes Creek   •   Eastanollee   •   Fighting Pine   •   Fowlertown   •   Jarrett   •   *Martin   •   Mize   •   *Toccoa   •   Toccoa Falls   •   Toms Creek

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 Stephens County.

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

Stephens County, located in the northeast corner of the great state of Georgia, was established on August 18, 1905. The county was named after Alexander H. Stephens, a prominent Georgian politician, United States Congressman and Vice President of the Confederate States of America during the Civil War.

Stephens County's largest city and county seat is Toccoa, a name derived from the Cherokee word for "beautiful" or "where the Catawbas lived." The county is known for its natural beauty, as it is situated in the southern part of the Blue Ridge Mountains.

The region's history dates back to the Native American tribes who inhabited the lands before the arrival of European settlers in the late 16th century. The area was mainly a hunting ground for Cherokee and Creek tribes before the settlers moved in. The region played a significant role during different periods, including the Revolutionary and Civil wars, and is rich with historical sites as a testament to its significant past.

A fun fact about this region is that Stephens County was home to the initiation of the Georgia Baptist Association's first summer camp called Camp Christoloma in the 1940s. This notable camp was aimed at promoting religious education and fellowship among its attendees, fostering a sense of community within the region.

Today, Stephens County offers various recreational activities, thanks to its abundant natural beauty and resources, including Toccoa Falls, a spectacular 186-foot high waterfall, which is one of the highest in the eastern United States.

Featured Cities of Georgia
Toms_Creek Avalon
Featured Properties from USDA Loan Eligible Regions of Stephens County
1005 Hayes Wilbanks Rd
Toccoa, GA

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179 Julia Ln
Toccoa, GA

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136 Bellvue Dr
Toccoa, GA

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741 E Doyle St
Toccoa, GA

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