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Find USDA Eligible Properties in McDowell County
Looking to buy in McDowell 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 McDowell County, NC 
* cities most likely to have USDA loan eligible properties for sale.
Ashford • Clinchfield • Coleman • Dendron • Dysartsville • East Marion • Fero • Garden Creek • Glenlaurel • Glenwood • Graphite • Greenlee • Hankins • Jacktown • Lackey Town • *Marion• • •
| 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 |
• Moffitt Hill • North Cove • North Cove Crossing • *Old Fort • Osborne Knob • Patten • Pleasant Gardens • Sevier • Stumptown • Sunnyvale • Toms Creek • Vein Mountain • *West Marion • Wildacres
There are 217 USDA backed residential loans in McDowell county with an average loan balance of $116,923. Over 84% of the loans helped first time home buyers. Borrowers were an average age of 40 years old. The typical appraised home value was around $117,103. On average the rural home size purchased with this loan was approximately 1,394 SqFt. McDowell 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 McDowell County is roughly 1,156 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for McDowell 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 McDowell County.
View the detailed USDA boundaries and read about general conditions of
McDowell County, North Carolina
.McDowell County, located in the great state of North Carolina, was established in 1842, named in honor of Colonel Joseph McDowell, a Revolutionary War leader, and a prominent figure in the state's early history. Covering an area of approximately 447 square miles, it is situated on the western side of the state within the Blue Ridge Mountains. The county seat is Marion, named after General Francis Marion, a celebrated Revolutionary War hero, commonly known as the "Swamp Fox."
During the mid-19th century, McDowell County contributed significantly to the early development of North Carolina through gold mining, forestry, and agriculture. The scenic beauty of the area invited people seeking leisure and recreational opportunities, leading to the growth of tourism as an important industry.
One noteworthy attraction in McDowell County is the Linville Caverns, the only publicly accessible commercial limestone cavern in North Carolina. These fascinating underground caves have been attracting tourists since 1939, beckoning visitors to explore their natural beauty and unique subterranean wildlife.
Featured Cities of North Carolina
browse list of realtors working in McDowell CountyMcDowell county has 2 usdaproperties.com realtors ready to help with your search!
| March 2025 Featured Agents | |
|---|---|
| Mark Causby | from Coldwell Banker Newton Real Estate |
| Patricia Pinkerton | from Pinkerton Realty |
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