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USDA Eligibility Boundaries for Clay, North Carolina 
There are no geographical USDA loan restrictions in this county. 100% of Clay County is eligible for rural development USDA home loans.
The United States Department of Agriculture has rated the natural amenities of this region. On a scale of one to seven, Clay county is rated a 5. The average temperature during the month of June is 72.8℉ and the average temperature in January is 37.1℉. The typical humidity of this area is approximately 76% and the area covered by water is 2.67%. The overall influence score for Clay is 9.
The map below displays geographic boundaries of Clay, North Carolina with a blue border. There are no significant USDA regional restrictions in this county. For higher resolution imagery click the map to zoom in or search for specific postal (zip) codes, city names or even counties. You can also search for specific addresses using the power search feature here.
Select from the above list of cities in Clay County. Cities most likely to have USDA loan eligible properties are highlighted in the drop down list. Alternatively, use the search form to find your favorite counties, cities and zip codes in North Carolina.
Clay County is located in the western part of North Carolina and is part of the Blue Ridge Mountains region. As of 2019, the population of Clay County was 11,737 people. The median household income was $35,085 and the median age was 41.4 years.
The majority of Clay County residents are White (95.5%), followed by Black (1.9%), Hispanic (1.1%), and other races (1.5%). The poverty rate in Clay County is 26.2%, which is higher than the state average of 17.2%.
The living conditions in Clay County vary greatly depending on location. Areas with higher incomes tend to have better living conditions while those with lower incomes may experience poorer living conditions. Many areas lack access to quality healthcare, educational opportunities, and other basic needs. There is also a lack of infrastructure and public services in some areas, as well as a high rate of drug abuse and crime.
Clay, North Carolina
Loan officers and realtors can answer your questions about USDA home loan programs.
For direct assistance with North Carolina USDA program details you can also contact:
The North Carolina State Office, located in Raleigh, NC, administers USDA Rural Development programs through six Area Offices and fourteen field offices across the state.Featured Property from USDA Loan Eligible Regions of North Carolina
State Director's Office: 919-873-2015
Business Programs: 919-873-2040
Community Programs: 919-873-2030
Multi-Family Housing Programs: 919-873-2050
Single Family Housing Programs: 919-873-2051
