Find USDA Eligible Properties in Carteret County
Looking to buy in Carteret 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 Carteret County, NC 
* cities most likely to have USDA loan eligible properties for sale.
*Atlantic • *Atlantic Beach • *Beaufort • Bettie • *Bogue • *Broad Creek • *Cape Carteret • Cape Lookout • Cedar Island • *Cedar Point • Core Creek • Crab Point Village • *Davis • *Emerald Isle • *Gloucester • Goodwin Hills • *Harkers Island • Harlowe • *Indian Beach • Kuhns • Lenoxville • Little Port • Lola • Lukens • Mansfield• • •
| 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 |
• *Marshallberg • Masontown • Merrimon • Money Island Beach • *Morehead City • *Newport • North River • Ocean • Otway • *Peletier • *Pine Knoll Shores • Portsmouth • Salter Path • Sealevel • Smyrna • South River • Stacy • Steep Pines Fork • Stella • Straits • Tusk • Union Point • Wildwood • Williston
There are 348 USDA backed residential loans in Carteret county with an average loan balance of $151,423. Over 84% of the loans helped first time home buyers. Borrowers were an average age of 38 years old. The typical appraised home value was around $156,603. On average the rural home size purchased with this loan was approximately 1,492 SqFt. Carteret 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 Carteret County is roughly 2,012 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Carteret 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 Carteret County.
View the detailed USDA boundaries and read about general conditions of
Carteret County, North Carolina
.Carteret County, located in the U.S. state of North Carolina, has a rich history that dates back to the early 18th century. Established in 1722, the county was named in honor of Sir George Carteret, a British politician who played a significant role in the restoration of the monarchy in the United Kingdom. Carteret County is part of the Crystal Coast region, which is known for its stunning beaches, bountiful seafood, and vibrant marine life.
Originally inhabited by the Coree tribe, the region was gradually colonized by European settlers. With the help of Native Americans, the settlers developed extensive trade networks, and the region's main industries included farming, fishing, and timber. Beaufort, the county seat, was established in 1709 and is one of the oldest towns in North Carolina.
Cape Lookout, a major attraction in Carteret County, has played a significant role in the area's maritime history. The Cape Lookout Lighthouse, constructed in 1859, acted as a guiding tool for sailors and helped prevent shipwrecks along the dangerous coastline.
A fun fact about Carteret County is that it's home to the famous wild Banker horses, which are believed to have descended from Spanish Mustangs brought to the region in the 16th century. Today, the horses roam the Shackleford Banks, a barrier island off the coast of North Carolina, and have become an iconic symbol of Carteret County's natural heritage.
Featured Cities of North Carolina
browse list of realtors working in Carteret CountyCarteret county has 2 usdaproperties.com realtors ready to help with your search!
| June 2025 Featured Agents | |
|---|---|
| Michele Moffitt | from Michele Moffitt Real Estate - Keller Williams |
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