Find USDA Eligible Properties in Cleveland County
Looking to buy in Cleveland 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 Cleveland County, NC 
* cities most likely to have USDA loan eligible properties for sale.
Baker Crossroads • Beam Mill • *Belwood • *Boiling Springs • *Casar • Delight • Double Shoals • *Earl • *Fallston • *Grover • *Kings Mountain • *Kingstown • Knob Creek • *Lattimore • *Lawndale • *Light Oak • Marys Grove• • •
| 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 |
• Metcalf • Midpine • *Mooresboro • New House • Oakgrove • Olive Grove • Ora • *Patterson Springs • *Polkville • Rockdale • *Shelby • Stubbs • Swainsville • Toluca • *Waco • Washburn
There are 1,082 USDA backed residential loans in Cleveland county with an average loan balance of $102,459. 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 $106,497. On average the rural home size purchased with this loan was approximately 1,456 SqFt. Cleveland 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 Cleveland County is roughly 1,213 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Cleveland County is 3. 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 Cleveland County.
View the detailed USDA boundaries and read about general conditions of
Cleveland County, North Carolina
.Cleveland County, located in the great state of North Carolina, has a rich historical background that dates back to the early 19th century. It was formed in 1841 from parts of Lincoln and Rutherford counties in the southwestern part of the state. The county was named in honor of Colonel Benjamin Cleveland, a well-respected Revolutionary War leader famous for his victory at the Battle of Kings Mountain.
The county seat of Cleveland is Shelby, which was named after Colonel Isaac Shelby, also a hero from the Battle of Kings Mountain. With the arrival of the railroad in the latter half of the 19th century, Cleveland County experienced significant growth in its agricultural and textile industries, which played a vital role in shaping the local economy.
Cleveland County is known for its lush landscapes and beautiful scenery, including the South Mountains State Park and the Broad River Greenway. It is also home to the American Legion World Series, a highly regarded tournament featuring top-notch American Legion Baseball teams from all 50 states.
One fun fact about this region is that Cleveland County houses the Earl Scruggs Center, a cultural institution dedicated to the life and legacy of the influential musician Earl Scruggs. As a native of the county, Scruggs is celebrated for his revolutionary style of banjo playing known as the "Scruggs style," which has had a significant impact on bluegrass music.
Featured Cities of North Carolina
browse list of realtors working in Cleveland CountyCleveland county has 1 usdaproperties.com realtor ready to help with your search!
| June 2025 Featured Agent | |
|---|---|
| Choon Kim | from Allen Tate Real Estate |
🏡 Join the USDA Properties Agent Partner Program - Start for Free!
Get exclusive access to motivated homebuyers searching for USDA-eligible properties. Our Free Membership gives you:✅ Direct USDA Buyer Leads – No Cost, No Lead Sharing
Receive leads matched directly to you in your selected counties. Keep every lead—no sharing.
✅ Your Own Profile in the Agent Directory
Be listed instantly where buyers are searching for trusted local USDA experts.
✅ Automatic Featured Listings
Your property listings are showcased on USDAProperties.com for more exposure—free!
✅ Partner Badge to Display
Showcase your USDAProperties.com affiliation on your website, email, or social media.
It’s quick and easy to get started—no payment required.Upgrade anytime for even more leads and priority exposure with our Pro & Edge memberships!