Find USDA Eligible Properties in Clay County


IA State Flag  Clay County Seal

Realtors in Clay browse list of realtors working in Clay County
Hey, are you a realtor interested in helping families find USDA eligible properties in Clay County?
Join the USDAProperties Realtor Network

Looking to buy in Clay County, Iowa?


There are 361 USDA backed residential loans in Clay county with an average loan balance of $83,192. Over 86% of the loans helped first time home buyers. Borrowers were an average age of 35 years old. The typical appraised home value was around $82,725. On average the rural home size purchased with this loan was approximately 1,235 SqFt. Clay 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 Clay County is roughly 1,480 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Clay County is 7. 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 Clay County, IA   Clay QR code
* cities most likely to have USDA loan eligible properties for sale.

Cornell   •   *Dickens   •   *Everly   •   *Fostoria   •   *Gillett Grove   •   *Greenville   •   Langdon   •   *Peterson   •   *Rossie   •   *Royal   •   *Spencer   •   *Webb

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 Clay County.

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

Clay County, located in the great state of Iowa, has a rich history dating back to its establishment on January 15, 1851. Named in honor of the notable American statesman, Henry Clay, the county is situated in the northwestern part of the state and spans a total area of about 575 square miles. The county seat is the city of Spencer.

Before European settlers arrived, the area was inhabited by Native American tribes like the Sioux, Iowa, and Otoe. These indigenous people lived off the fertile land and its abundant resources, which later attracted European settlers, including trappers and traders, in the early 19th century. The first permanent settlers arrived in the 1850s, setting up small farming communities.

A significant factor in Clay County's growth and development was the arrival of the Milwaukee and St. Louis railroads in the late 19th century. The increased accessibility to transportation boosted the local economy and accelerated the expansion of agriculture in the region. Throughout the years, the county became well-known for its prosperous corn, soybean, and livestock farming.

Clay County hosts an annual event called the Clay County Fair, which began in 1917. This event is considered one of the largest county fairs in the United States, attracting hundreds of thousands of visitors each year. As a fun fact, the Clay County Fair set a record for the World's Greatest County Fair in 1947, with an attendance of almost 330,000 people. Today, the nine-day event showcases a variety of exhibits, entertainment, and activities for families, celebrating the county's agricultural heritage.

Overall, the history of Clay County, Iowa, is one of a thriving agricultural community that grew through the determination of its early settlers, the benefits of railroad development, and the enduring sense of community pride showcased through events like the Clay County Fair.


Featured Cities of Iowa
Dickens Webb
Featured Properties from USDA Loan Eligible Regions of Clay County