Find USDA Eligible Properties in Stearns County

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

July 2024 Featured Agents
David Olson   from   Premier Real Estate Services
Christina Clifton   from   Central M Realty

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Looking to buy in Stearns County, Minnesota?

There are 1,229 USDA backed residential loans in Stearns county with an average loan balance of $134,532. Over 79% of the loans helped first time home buyers. Borrowers were an average age of 34 years old. The typical appraised home value was around $131,988. On average the rural home size purchased with this loan was approximately 1,224 SqFt. Alternate income limits exist to determine loan eligibility in Stearns county. For a household of upto 4 people the income limit is $92,600. For a household of between 5 and 8 people the income limit increases to $122,250.

The size of Stearns County is roughly 3,596 square kilometers. USDA defined regions of rural loan ineligibility in Stearns cover 150 square kilometers of the county. Approximately 4.2% of Stearns County is ineligible for traditional USDA home loans. The influence score for Stearns County is 2. 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 Stearns County, MN   Stearns QR code
* cities most likely to have USDA loan eligible properties for sale.

*Albany   •   *Avon   •   *Belgrade   •   *Brooten   •   *Cold Spring   •   Collegeville   •   *Elrosa   •   *Fairhaven   •   Farming   •   Five Points   •   *Freeport   •   Georgeville   •   *Greenwald   •   *Holdingford   •   Jacobs Prairie   •   *Kimball   •   *Lake Henry   •   *Meire Grove   •   *Melrose   •   *New Munich   •   Opole   •   Padua   •   *Paynesville   •   *Richmond   •   *Rockville   •   *Roscoe   •   Saint Anna   •   *Saint Augusta   •   Saint Cloud   •   Saint Francis   •   *Saint Joseph   •   *Saint Martin   •   Saint Nicholas   •   *Saint Rosa   •   *Saint Stephen   •   Saint Wendel   •   Sartell   •   *Sauk Centre   •   *Spring Hill   •   Waite Park

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 Stearns County.

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

Stearns County, located in the great state of Minnesota, was established on February 20, 1855, and named in honor of Charles Thomas Stearns, an influential member of the Minnesota Territory, and a prominent businessman involved in railroads and steamboats. Stearns County, part of the larger Central Minnesota region, is composed of over 30 cities and townships with St. Cloud serving as its county seat.

Being settled around 1851, Stearns County saw an influx of German and Polish immigrants throughout the latter part of the 19th century. These settlers were initially attracted to the area due to the abundance of fertile farmland; many coming from agriculture-based communities in their native countries. Today, the county still enjoys a rich agricultural industry and ranks high in dairy production and crop farming in the state.

Historically, Stearns County made significant contributions during World War II by manufacturing arms and military equipment including armored vehicles and ammunition. Granite quarrying was another major industry in the county thanks to its vast granite resources, earning St. Cloud its nickname "The Granite City."

One fun fact about Stearns County is that it houses the Quarry Park and Nature Preserve, which offers over 680 acres of land for public use. Within its grounds, visitors can explore over 20 abandoned granite quarries that have been converted into beautiful swimming areas, hiking trails, and sites perfect for rock climbing. The park showcases the county's storied connection to the granite industry and provides a unique recreational experience for residents and visitors alike.

Featured Cities of Minnesota
Freeport Saint_Anna
Featured Properties from USDA Loan Eligible Regions of Stearns County
330 Jefferson Ln
Saint Joseph, MN

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29413 Kale Ct
Saint Joseph, MN

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36598 Csah 2
Watkins, MN

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28401 Cherrywood Rd
Paynesville, MN

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