USDA loan eligible properties in Polk County, IA 
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* cities most likely to have USDA loan eligible properties for sale.
Adelphi • *Alleman • Altoona • Andrews • Ankeny • Ashawa • Avon • Avon Lake • Berwick • *Bondurant • Bowsher • Campbell • Capitol Heights • Carbondale • Carney • Clive • Crocker • Des Moines • *Elkhart • Enterprise • Farrar • Grimes • Hastie • Ivy • Johnston • • •
| 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 |
• Levey • Loring • Lovington • Marquisville • Millman • *Mitchellville • Norwoodville • Oralabor • Pleasant Hill • *Polk City • Rider • Rising Sun • *Runnells • Santiago • Saylor • Saylorville • Swanwood • Urbandale • West Des Moines • White Oak • Windsor Heights • Woodland Hills
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Bryan Curtis
There are 357 USDA backed residential loans in Polk county with an average loan balance of $157,611. Over 66% of the loans helped first time home buyers. Borrowers were an average age of 35 years old. The typical appraised home value was around $159,341. On average the rural home size purchased with this loan was approximately 1,323 SqFt. Alternate income limits exist to determine loan eligibility in Polk county. For a household of upto 4 people the income limit is $102,550. For a household of between 5 and 8 people the income limit increases to $135,350.
The size of Polk County is roughly 1,535 square kilometers. USDA defined regions of rural loan ineligibility in Polk cover 828 square kilometers of the county. Approximately 53.9% 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.
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, Iowa
.Polk County, located in the great state of Iowa, was formed on January 13, 1846, and named after the 11th President of the United States, James K. Polk. The county is part of the Des MoinesWest Des Moines Metropolitan Statistical Area and serves as a hub for government, manufacturing, trade, and agricultural services. The county seat is in Des Moines, which is also the state's capital and largest city.
Before European settlers arrived, the area was inhabited by various Native American tribes, such as the Ioway, Sac, and Fox. In the 1840s, European settlers, mainly from the eastern states, migrated to the region in search of fertile land for farming. The population and economy of the county grew over time, with farming and manufacturing becoming the backbones of the region.
A fascinating landmark in Polk County is the Iowa State Capitol building, located in Des Moines. Completed in 1886, the capitol houses the Iowa General Assembly and features a central dome constructed with 23-karat gold leaf, a distinct feature that makes it a popular attraction in the region.
Fun Fact: Polk County is well-known for hosting the annual Iowa State Fair, which takes place in Des Moines every August. The fair attracts more than a million people each year and features agricultural exhibits, competitions, food, music, and entertainment. It is considered one of the largest and most popular state fairs in the United States.
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