Find USDA Eligible Properties in Cape Girardeau County
Looking to buy in Cape Girardeau County, Missouri?
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 Cape Girardeau County, MO 
* cities most likely to have USDA loan eligible properties for sale.
*Allenville • Arbor • Arnsberg • Bainbridge • Blomeyer • Brookside • Burfordville • Cape Girardeau • Cliff • Conrads Mill • Crump • Daisy • *Delta • *Dutchtown • Egypt Mills • Friedheim • *Gordonville • Gravel Hill • Green Cox • Hartle Ford • Hilderbrand• • •
| 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 |
• *Jackson • Kurreville • Leemon • Millersville • Moccasin Springs • Nash • Neelys Landing • New Wells • *Oak Ridge • *Old Appleton • Oriole • *Pocahontas • Randles • Reynolds Ford • Rum Branch • Shawneetown • Tilsit • *Whitewater
There are 720 USDA backed residential loans in Cape Girardeau county with an average loan balance of $121,847. Over 75% of the loans helped first time home buyers. Borrowers were an average age of 36 years old. The typical appraised home value was around $123,728. On average the rural home size purchased with this loan was approximately 1,308 SqFt. Cape Girardeau 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 Cape Girardeau County is roughly 1,516 square kilometers. USDA defined regions of rural loan ineligibility in Cape Girardeau cover 102 square kilometers of the county. Approximately 6.8% of Cape Girardeau County is ineligible for traditional USDA home loans. The influence score for Cape Girardeau County is 7. 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 loan eligible properties in Cape Girardeau County.
View the detailed USDA boundaries and read about general conditions of
Cape Girardeau County, Missouri
.Cape Girardeau County is located in the southeastern part of the great state of Missouri. Its county seat is Jackson, while the largest city is Cape Girardeau. The county was officially organized on October 1, 1812, making it one of the five original counties in Missouri.
The county's history can be traced back to the indigenous Mississippian culture, which was based around the confluence of the Mississippi and Ohio Rivers. Later, French explorers visited the region during the late 17th century. In the 18th century, the area witnessed a mix of French, British, and Spanish rule.
The county is named after Jean Baptiste de Girardot, a French officer who established a temporary trading post and fort, called "Le Cap" (The Cape) in 1733, at the site now known as Cape Girardeau. The region became part of the United States in 1803 as part of the Louisiana Purchase and saw a significant influx of American settlers after the War of 1812.
Cape Girardeau County has played an essential role in Missouri's history, including its contributions during the Civil War, with both Union and Confederate forces fighting for control over the strategically vital river port.
One fun fact about Cape Girardeau County is that it is home to the Trail of Tears State Park, which commemorates the forced relocation of thousands of Native Americans in the 1830s along the infamous Trail of Tears. The park offers a glimpse into the history and culture of the region, with various hiking trails, interpretive centers, and beautiful landscapes for visitors to explore.
Featured Cities of Missouri
browse list of realtors working in Cape Girardeau CountyCape Girardeau county has 3 usdaproperties.com realtors ready to help with your search!
| July 2025 Featured Agents | |
|---|---|
| Summer Penrod | from Edge Realty |
| Elaine Edgar | from Semo Home Realty |
| Jim Rampley | from SEMO Home Realty |
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