Find USDA Eligible Properties in Mercer County

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Mercer county has 2 realtors ready to help with your search!

December Featured Agents
Ann Ford   from   RE/MAX Elite Realty
Darcy Gillock   from   Marshall Lane Real Estate

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Looking to buy in Mercer County, Kentucky?

There are 245 USDA backed residential loans in Mercer county with an average loan balance of $102,524. Over 72% of the loans helped first time home buyers. Borrowers were an average age of 37 years old. The typical appraised home value was around $104,794. On average the rural home size purchased with this loan was approximately 1,419 SqFt. Mercer 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 Mercer County is roughly 655 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Mercer County is 6. 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 Mercer County, KY   Mercer QR code
* cities most likely to have USDA loan eligible properties for sale.

Bohon   •   Bondville   •   Braxton   •   *Burgin   •   Bushtown   •   Cornishville   •   Deep Creek   •   Dixville   •   Dugansville   •   Duncan   •   *Harrodsburg   •   Kirkwood   •   Mayo   •   McAfee   •   Nevada   •   Oregon   •   Riverview Estates   •   *Salvisa   •   Stewart   •   Talmage   •   Terrapin   •   Vanarsdell

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 Mercer County.

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

Mercer County, located in central Kentucky, was founded in 1785 as a part of the state of Virginia before Kentucky became its own state in 1792. The county was named in honor of General Hugh Mercer, a Revolutionary War hero who fought alongside George Washington at the Battle of Princeton. Harrodsburg, established in 1774, is the county seat and is recognized as the oldest continuously inhabited English-speaking settlement west of the Allegheny Mountains.

Throughout its history, Mercer County has played an essential role in the development of Kentucky. The county was a significant pioneer hub during the westward expansion of the United States, and numerous settlements from this time, such as Shaker Village of Pleasant Hill, still exist today. The Shaker Village, which operated from 1805 to 1910, is now a popular historic site showcasing the unique culture, architecture, and crafts of the Shakers, a religious group that practiced communal living and aimed for self-sufficiency.

Agriculture has always been vital to Mercer County's economy, with crops such as tobacco and corn forming the staple agricultural products. In addition, the county has a rich tradition in horse breeding, and numerous thoroughbred farms are scattered throughout the area.

Fun Fact: Mercer County, Kentucky, boasts the oldest continuously operating distillery in the United States the historic James E. Pepper Distillery, which began production in 1780. Distilling is an essential aspect of the county's culture, contributing to the world-famous Kentucky bourbon industry.

Featured Cities of Kentucky
Mayo Duncan
Featured Properties from USDA Loan Eligible Regions of Mercer County
527 N Main St
Harrodsburg, KY

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