Find USDA Eligible Properties in Bonner County
Looking to buy in Bonner County, Idaho?
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 Bonner County, ID 
* cities most likely to have USDA loan eligible properties for sale.
Algoma • Blacktail • *Blanchard • Bronx • Broten • Cabinet • Careywood • Cedar Creek • Clagstone • *Clark Fork • Cocolalla • Colburn • Coleman • Coolin • Culver • *Dover • Dufort • *East Hope • Edgemere • Elmira • Glengary • Granite • Harlem • *Hope • *Kootenai• • •
| 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 |
• Laclede • Lakeview • Lamb Creek • Morton • Nordman • Oden • *Oldtown • Outlet Bay • *Ponderay • *Priest River • Sagle • Samuels • *Sandpoint • Sawyer • Selle • Seneacquoteen • Sherwood Beach • Sunnyside • Talache • Thama • Trestle Creek • Vay • Westmond • Wrencoe
There are 292 USDA backed residential loans in Bonner county with an average loan balance of $156,375. Over 82% of the loans helped first time home buyers. Borrowers were an average age of 39 years old. The typical appraised home value was around $154,918. On average the rural home size purchased with this loan was approximately 1,371 SqFt. Bonner 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 Bonner County is roughly 4,970 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Bonner County is 6. 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 Bonner County.
View the detailed USDA boundaries and read about general conditions of
Bonner County, Idaho
.Bonner County, located in the northern region of Idaho, was established on February 21, 1907. The county's name honors Edwin L. Bonner, an early ferry operator and local pioneer. The vast region of Bonner County, covering approximately 1,919 square miles, boasts a diverse landscape, ranging from fertile valleys to majestic mountains and scenic lakes.
Before the arrival of European settlers, the territory was inhabited by Native American tribes, primarily the Kalispel and Kootenai peoples. In the early 19th century, the area drew the attention of fur traders and explorers like David Thompson, who set up a trading post named Kullyspell House in 1809.
As pioneers journeyed westward, Samuel P. Robbins built the first white settlement in the county, a farm in 1866. The construction of the Northern Pacific Railway in the 1880s, followed by the Great Northern Railway, boosted the county's timber industry and led to an influx of settlers. Incorporated towns such as Sandpoint, Priest River, and Kootenai were born during this period.
Bonner County continues to flourish today with its mix of thriving businesses, rich culture, and numerous recreational opportunities. A fun fact about the county is that it's home to Idaho's largest and deepest lake, Lake Pend Oreille, which covers 148 square miles with depths reaching 1,150 feet. This stunning lake attracts tourists for its fishing, boating, and scenic beauty, making it one of the highlights of the region.
Featured Cities of Idaho
browse list of realtors working in Bonner CountyBonner county has 1 usdaproperties.com realtor ready to help with your search!
| May 2025 Featured Agent | |
|---|---|
| Darlene Kacalek | from Treaty Rock Realty |
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