Find USDA Eligible Properties in Mitchell County
Looking to buy in Mitchell 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 Mitchell County, NC 
* cities most likely to have USDA loan eligible properties for sale.
Altapass • *Bakersville • Bandana • Boonford • Buladean • Clarrissa • Cooktown • Estatoe • Glen Ayre • Greene Cove • Harrell Hill • Hawk • Huntdale • Kalmia • Kona • Ledger • Little Switzerland • Loafers Glory • Lunday• • •
| 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 |
• McKinney Cove • Minpro • Normanville • Penland • Peppers • Peterson • Pigeonroost • Poplar • Relief • *Spruce Pine • Strawberry Ridge • Tipton Hill • Toecane • Upper Pigeonroost • Upper Poplar • Webb • Whitson • Wing
There are 47 USDA backed residential loans in Mitchell county with an average loan balance of $119,272. Over 78% of the loans helped first time home buyers. Borrowers were an average age of 39 years old. The typical appraised home value was around $131,550. On average the rural home size purchased with this loan was approximately 1,323 SqFt. Mitchell 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 Mitchell County is roughly 575 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Mitchell County is 9. 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 Mitchell County.
View the detailed USDA boundaries and read about general conditions of
Mitchell County, North Carolina
.Mitchell County, located in the great state of North Carolina, was established in 1861 and named after Elisha Mitchell, a renowned professor at the University of North Carolina. Mitchell County is nestled in the Blue Ridge Mountains in the western part of the state and is known for its picturesque settings and beautiful rolling landscapes. The county seat, Bakersville, was founded in 1851.
The history of Mitchell County includes a strong connection to agriculture, with local farms producing a variety of crops, livestock, and dairy products. The area was also known for its rich mineral resources, including feldspar, quartz, and mica, which brought mining industries to the area during the 20th century.
One fun fact about Mitchell County is that it's home to the rare North Carolina-native Roan Mountain bluet (a small, wildflower). This beautiful region of the USA is famous for its outdoor recreation opportunities such as hiking, fishing, and sightseeing, along with popular annual events like the North Carolina Rhododendron Festival, which takes place in Bakersville and is dedicated to celebrating the native rhododendron flowers that bloom throughout the area.
Featured Cities of North Carolina
browse list of realtors working in Mitchell CountyMitchell county has 1 usdaproperties.com realtor ready to help with your search!
| June 2025 Featured Agent | |
|---|---|
| Connie Ray | from Foxfire Real Estate LLC |
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