Find USDA Eligible Properties in Buncombe County
Looking to buy in Buncombe County, North Carolina?
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 Buncombe County, NC 
* cities most likely to have USDA loan eligible properties for sale.
Acton • Alexander • Arden • Asheville • Avery Creek • Azalea • Barnardsville • Beaverdam • Beech • Bent Creek • Biltmore Forest • Bingham Heights • *Black Mountain • Blackberry Inn • Blue Ridge Forest • Buena Vista • Busbee • Candler • Candler Heights • Canto • Coburn • Craggy • Democrat • Dillingham • Dula Springs • Elk Mountain • Emma • Enka • Enka Village • Flat Creek • Flat Top • Forks of Ivy • Gashes Creek • Glady • Grovemont • Grovestone • Hazel Green • Hominy• • •
| 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 |
• Juno • Jupiter • Leicester • Luther • *Montreat • New Candler • Newfound • Oteen • Owltown • Paint Fork • Parkway Forest • Pole Creek • Riceville • Ridgecrest • Rockview • Royal Pines • Sand Hill • Sandymush • Sayles Village • Shumont • Skyland • South Hominy • Stocksville • Stoney Knob • Stony Fork • Summerhaven • *Swannanoa • Swannanoa Hills • Turnpike • Valley Springs • Venable • *Weaverville • West Haven • Wilshire Park • Woodfin • Woodside Hills
There are 928 USDA backed residential loans in Buncombe county with an average loan balance of $161,667. Over 83% of the loans helped first time home buyers. Borrowers were an average age of 40 years old. The typical appraised home value was around $166,576. On average the rural home size purchased with this loan was approximately 1,381 SqFt. Buncombe 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 Buncombe County is roughly 1,708 square kilometers. USDA defined regions of rural loan ineligibility in Buncombe cover 271 square kilometers of the county. Approximately 15.9% of Buncombe County is ineligible for traditional USDA home loans. The influence score for Buncombe County is 2. 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 Buncombe County.
View the detailed USDA boundaries and read about general conditions of
Buncombe County, North Carolina
.Buncombe County, located in the great state of North Carolina, was established in 1791 and named after Colonel Edward Buncombe, a Revolutionary War hero. Situated in the Blue Ridge Mountains, Buncombe County is home to the city of Asheville, which serves as its county seat.
During the early years, Buncombe County played a crucial role in the development of the state's infrastructure. The completion of the Buncombe Turnpike in 1828 significantly improved transportation and trade within the region by connecting Western North Carolina with Tennessee and South Carolina.
As the railroad industry expanded during the late 19th and early 20th centuries, Buncombe County attracted tourists to its picturesque landscapes and thriving art scene. The construction of the Vanderbilt-owned Biltmore Estate, the largest privately-owned home in the United States, was a noteworthy development during this period. Completed in 1895, the Biltmore Estate remains a popular tourist destination and displays the affluence and grandeur of America's Gilded Age.
One fun fact about Buncombe County is that it's often referred to as the "Land of the Sky." This nickname, attributed to writer Frances Christine Fisher Tiernan, reflects the county's picturesque mountainous landscape and clear azure skies, which have long been a draw for tourists and nature lovers alike.
Featured Cities of North Carolina
browse list of realtors working in Buncombe CountyBuncombe county has 4 usdaproperties.com realtors ready to help with your search!
| June 2025 Featured Agents | |
|---|---|
| Chris Gardner | from Garner Group Realty |
| Mark Causby | from Coldwell Banker Newton Real Estate |
| Julie Parsons | from Ridge Valley Realty |
| Monica Cook | from Keller Williams Professionals |
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