Find USDA Eligible Properties in Waldo County
Looking to buy in Waldo County, Maine?
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 Waldo County, ME 
* cities most likely to have USDA loan eligible properties for sale.
Bayside • *Belfast • *Belmont • *Brooks • *Burnham • Center Belmont • Center Montville • City Point • Crows Nest • Dark Harbor • Ducktrap • East Knox • East Northport • East Palermo • East Thorndike • East Troy • *Frankfort • *Freedom • Ghent • Halldale • *Islesboro • *Jackson • *Knox • Knox Center • *Liberty • *Lincolnville • Lincolnville Center • *Monroe • Monroe Center • *Montville • *Morrill • Nickerson Mills • North Islesboro • North Monroe • North Palermo• • •
| 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 |
• North Searsmont • North Searsport • *Northport • Oakwood • *Palermo • Pripet • *Prospect • Prospect Ferry • Sandy Point • *Searsmont • *Searsport • Slab City • Smithton • South Liberty • South Montville • *Stockton Springs • *Swanville • Temple Heights • *Thorndike • *Troy • Troy Center • *Unity • *Waldo • West Montville • West Searsmont • West Winterport • Windemere • Winnecook • *Winterport • Winterport Station • Woodmans Mills • Youngtown
There are 351 USDA backed residential loans in Waldo county with an average loan balance of $118,207. Over 83% of the loans helped first time home buyers. Borrowers were an average age of 38 years old. The typical appraised home value was around $125,282. On average the rural home size purchased with this loan was approximately 1,388 SqFt. Waldo 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 Waldo County is roughly 1,991 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Waldo 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 Waldo County.
View the detailed USDA boundaries and read about general conditions of
Waldo County, Maine
.Waldo County is located in the great state of Maine and was established on July 3, 1827. The county was named after Brigadier General Samuel Waldo, a land speculator and proprietor of the Waldo Patent, which covered a significant part of present-day Maine. The county's seat is the city of Belfast.
Waldo County has a rich history that dates back to pre-colonial times when Native Americans inhabited the region. Europeans, primarily English settlers, began arriving in the early 17th century and established a fishing and trade relationship with the indigenous people. Over the following centuries, the area witnessed rapid growth in settlements and population, with agriculture, lumber, shipbuilding, and maritime commerce serving as economic pillars.
In the 19th century, Waldo County played a role in the abolitionist movement, with Belfast being an important stop on the Underground Railroad, helping African-American slaves reach freedom in Canada. During this time, many prominent and historical figures lived in the county, including Captain Albert W. Stevens, who was a successful balloonist and inventor.
As a fun fact, Waldo County is known for its picturesque landscapes, including the Hills to Sea Trail a 47-mile walking trail that connects Belfast on Penobscot Bay to Unity through an extensive network of conserved lands. This trail offers a unique and scenic experience for nature lovers and hikers.
Featured Cities of Maine
browse list of realtors working in Waldo CountyWaldo county has 1 usdaproperties.com realtor ready to help with your search!
| April 2025 Featured Agent | |
|---|---|
| Tammy Mayers | from Realty of Maine |
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