Find USDA Eligible Properties in Clay County

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There are 58 USDA backed residential loans in Clay county with an average loan balance of $82,344. Over 84% of the loans helped first time home buyers. Borrowers were an average age of 33 years old. The typical appraised home value was around $90,839. On average the rural home size purchased with this loan was approximately 1,413 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 1,220 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Clay County is 9. Look below for the interactive county level map illustration below for more details.

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Start your search for USDA loan eligible properties in the cities of Clay County, KY   Clay QR code
* cities most likely to have USDA loan eligible properties for sale.

Alger   •   Ammie   •   Ashers Fork   •   Barcreek   •   Benge   •   Bernice   •   Big Creek   •   Bluehole   •   Botto   •   Brightshade   •   Brutus   •   Burning Springs   •   Chestnutburg   •   Cottongim   •   Creekville   •   Eriline   •   Fall Rock   •   Felty   •   Fogertown   •   Gardner   •   Garrard   •   Goose Rock   •   Grace   •   Hector   •   Hima   •   Hooker   •   Larue   •   Laurel Creek   •   Lincoln   •   Littleton   •   *Manchester   •   Marcum   •   Mill Pond   •   Ogle   •   *Oneida   •   Panco   •   Peabody   •   Pigeonroost   •   Plank   •   Portersburg   •   Queendale   •   Sextons Creek   •   Shepherdtown   •   Sibert   •   Sidell   •   Spring Creek   •   Spurlock   •   Tanksley   •   Teges   •   Trixie   •   Urban   •   Vine   •   Wild Cat

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.

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View the detailed USDA boundaries and read about general conditions of
Clay County, Kentucky
USDA Boundary Details

Clay County, located in the great state of Kentucky, was established on December 11, 1806, making it the 47th County in the state. It was named after the statesman and prominent Senator, Henry Clay, who was a significant figure in American history.

The county is situated within the Appalachian Region of the United States, with its terrain consisting mainly of hills and forested areas. With an area of 471 square miles, Clay County has a rich history tied to coal mining and timber production. The county seat, Manchester, was created and positioned along Goose Creek in 1824. The creek, with its abundant natural resources, played an integral part in the settlement and development of the county.

Throughout the 19th and 20th centuries, Clay County was influenced by the rise and decline of the coal mining industry. The mine-based economy provided essential jobs and resources for the residents of the area, but also faced challenges, including labor disputes and environmental concerns. Along with the decline in coal mining, timber production experienced a decrease, leading many residents to look for other employment opportunities.

Clay County's rich history is evident through its numerous historic sites and buildings, such as the Red Bird River Petroglyphs, which ethnic Cherokee people carved in the early 19th century. As for a fun fact, the county was once home to the largest American Chestnut tree in the United States. Known as the "Tree of Heaven," it stood as a symbol of wisdom, prosperity, and gratitude before succumbing to chestnut blight in the early 20th century.

Featured Cities of Kentucky
Cottongim Panco
Featured Properties from USDA Loan Eligible Regions of Clay County
Gray Ln
Manchester, KY

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9999 KY 577
Manchester, KY

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