Find USDA Eligible Properties in Jackson County
Looking to buy in Jackson 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 Jackson County, NC 
* cities most likely to have USDA loan eligible properties for sale.
Addie • Argura • Balsam • Bessie • Beta • Big Ridge • *Cashiers • Cowarts • *Cullowhee • *Dillsboro • East Laport • Erastus • Fallcliff • Fisher Creek • *Forest Hills • Foster • Gay • *Glenville • Greens Creek • Grimshawes• • •
| 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 |
• High Hampton • Indian Hills • Island Ford • Love Field • Olivet • Paint Town • Pumpkintown • Qualla • Rich Mountain • Ruby City • Savannah • Speedwell • *Sylva • Tuckasegee • *Webster • WillitsOchre Hill • Wilmot • Wolf Mountain
There are 153 USDA backed residential loans in Jackson county with an average loan balance of $139,939. Over 80% of the loans helped first time home buyers. Borrowers were an average age of 41 years old. The typical appraised home value was around $148,397. On average the rural home size purchased with this loan was approximately 1,398 SqFt. Jackson 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 Jackson County is roughly 1,280 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Jackson County is 8. 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 Jackson County.
View the detailed USDA boundaries and read about general conditions of
Jackson County, North Carolina
.Jackson County is located in the western part of North Carolina and was formed in 1851 from parts of Haywood and Macon Counties. Named in honor of President Andrew Jackson, the county is known for its rugged terrain and scenic beauty. The county seat, Sylva, was established in 1889 when the Western North Carolina Railroad arrived in the area.
The county is rich in diverse attractions, including the Nantahala National Forest, the Blue Ridge Parkway, and the Great Smoky Mountains National Park. The landscape is characterized by lush forests, rivers, and majestic mountain peaks which provide ample opportunities for hiking, fishing, and other outdoor activities.
A significant part of the Eastern Band of Cherokee Indians, descendants of Cherokee who managed to avoid forced removal on the Trail of Tears, reside in Jackson County. Their presence and their cultural heritage have greatly influenced the history and culture of the area.
A fun fact about Jackson County is that it's home to the Judaculla Rock, a soapstone boulder with mysterious petroglyphs. Believed to be between 2,000 and 3,000 years old, the rock is thought to have been a sacred site for the Cherokee people. The petroglyphs have not been completely deciphered, making the site a fascinating piece of history in the county.
Featured Cities of North Carolina
browse list of realtors working in Jackson CountyJackson county has 1 usdaproperties.com realtor ready to help with your search!
| June 2025 Featured Agent | |
|---|---|
| Ted Schmidt | from Carolina Select Real Estate, Inc. |
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