Find USDA Eligible Properties in Caldwell County
Looking to buy in Caldwell 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 Caldwell County, NC 
* cities most likely to have USDA loan eligible properties for sale.
Abingdon • Adako • Bailey Camp • Baton • Brown Mountain Beach • Buffalo Cove • *Cajahs Mountain • *Cedar Rock • Cedar Valley • Collettsville • Draco • Dudley Shoals • Edgemont • Finley • Fort Defiance • *Gamewell • Globe • Grace Chapel • Grandin • *Granite Falls • Happy Valley • Hartland • *Hudson• • •
| 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 |
• Joyceton • Kings Creek • Legerwood • *Lenoir • Maple Grove • Mortimer • Mount Herman • *Northlakes • Oak Hill • Olivette • Patterson • Petra Mills • Piney • *Rhodhiss • Richland • Rufus • *Sawmills • Upton • Valmead • Warrior • Yadkin Valley
There are 1,147 USDA backed residential loans in Caldwell county with an average loan balance of $104,222. Over 85% of the loans helped first time home buyers. Borrowers were an average age of 38 years old. The typical appraised home value was around $106,786. On average the rural home size purchased with this loan was approximately 1,348 SqFt. Caldwell 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 Caldwell County is roughly 1,228 square kilometers. USDA defined regions of rural loan ineligibility in Caldwell cover 2 square kilometers of the county. Approximately 0.2% of Caldwell County is ineligible for traditional USDA home loans. The influence score for Caldwell 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 Caldwell County.
View the detailed USDA boundaries and read about general conditions of
Caldwell County, North Carolina
.Caldwell County is located in the foothills of the Blue Ridge Mountains in the western part of North Carolina. Established on January 11, 1841, the county was formed from parts of Burke County and Wilkes County. It was named in honor of Joseph Caldwell, the first President of the University of North Carolina, who is remembered for his significant contributions to education in the state.
The county seat, Lenoir, was named after William Lenoir, a Revolutionary War hero and early leader in education in North Carolina. Another major city in the county is Granite Falls, named for the waterfall over granite ledges in the city. Caldwell County's economy was initially built upon agriculture, primarily in cotton and corn production.
With the establishment of the Chester and Lenoir Narrow Gauge Railroad in 1873 and later, the Caldwell and Northern Railway in 1898, the county experienced an economic boom as transportation and access to markets improved. The region's vast timber resources led to the growth of the furniture manufacturing industry, which became a foundation for Caldwell County's modern economy.
A fun fact about Caldwell County is that it is home to the "Hudson Uptown Building" (commonly known as the HUB), which is a historic building containing a unique vintage theater with a 1930s facade. It originally opened in 1939 as the Hudson Vaudette Theater and now serves as a multi-use facility for various community events, including plays and musical performances.
Another interesting aspect of Caldwell County is its natural beauty and outdoor recreational opportunities, with the Pisgah National Forest bordering the county, offering hiking, camping, and fishing for residents and visitors alike.
Featured Cities of North Carolina
browse list of realtors working in Caldwell CountyCaldwell county has 2 usdaproperties.com realtors ready to help with your search!
| June 2025 Featured Agents | |
|---|---|
| Tonya Collier | from NC Homes Direct |
| Nilda Bozan | from Prime Properties Group Llc |
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