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Find USDA Eligible Properties in Kootenai County
Looking to buy in Kootenai 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 Kootenai County, ID 
* cities most likely to have USDA loan eligible properties for sale.
*Athol • Atlas • Bayview • Bellgrove • Belmont • Blackwell • Chilco • Clarksville • Coeur dAlene • *Conkling Park • Dalton Gardens • Dudley • East Greenacres • Echo Beach • Eddyville • Excelsior Beach • Fernan Lake Village • Garwood • Gibbs • *Harrison • *Hauser • Haycrop • Hayden • Hayden Lake • Howelltown • Huetter• • •
| 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 |
• Lane • McGuire • Medimont • Mica • Mozart • North Pole • Pleasant View • *Post Falls • Ramsey • *Rathdrum • Rockaway Beach • *Rockford Bay • Rose Lake • Setters • Silver Beach • Silver Sands Beach • *Spirit Lake • Springston • *State Line • Sturgeon • Twin Beaches • Twinlow • Wolf Lodge • *Worley
There are 1,714 USDA backed residential loans in Kootenai county with an average loan balance of $156,902. Over 78% of the loans helped first time home buyers. Borrowers were an average age of 39 years old. The typical appraised home value was around $151,740. On average the rural home size purchased with this loan was approximately 1,254 SqFt. Kootenai 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 Kootenai County is roughly 3,408 square kilometers. USDA defined regions of rural loan ineligibility in Kootenai cover 223 square kilometers of the county. Approximately 6.6% of Kootenai County is ineligible for traditional USDA home loans. The influence score for Kootenai County is 5. 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 Kootenai County.
View the detailed USDA boundaries and read about general conditions of
Kootenai County, Idaho
.Kootenai County is located in the northern part of the U.S. state of Idaho. Established on December 22, 1864, the county was named after the Kootenai tribe, who lived in the region for thousands of years before European settlers arrived. The Kootenai were a Native American tribe with a rich culture, living off the land through fishing, hunting, and gathering.
In the early 19th century, explorers and fur traders reached the area, and the establishment of the Oregon Trail in the 1840s further opened the region to Euro-American settlers. With the discovery of gold in nearby regions during the 1860s, Kootenai County saw a significant increase in its population as miners and prospectors arrived to try their luck. The establishment of Fort Sherman in 1878 added stability and infrastructure, ultimately leading to the incorporation of the city of Coeur d'Alene in 1887.
The timber industry also played a significant role in Kootenai County's history, with the arrival of the Northern Pacific and other railroads in the late 19th century providing a much-needed boost to the transportation and logging industries. The vast natural resources of the area, in combination with factors like the construction of Coeur d'Alene lake's hydroelectric dams during the early 20th century, contributed to the county's economic growth.
Fun fact: The southern edge of Lake Pend Oreille, the fifth-deepest lake in the United States, is located in Kootenai County. This beautiful lake, nestled in the mountains, is known for its exceptionally clear water and stunning scenery, making it a popular destination for residents and tourists alike.
Featured Cities of Idaho
browse list of realtors working in Kootenai CountyKootenai county has 1 usdaproperties.com realtor ready to help with your search!
| March 2025 Featured Agent | |
|---|---|
| Darlene Kacalek | from Treaty Rock Realty |
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