Find USDA Eligible Properties in Montgomery County


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Michael Calabrese   from   Prism Properties

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Looking to buy in Montgomery County, North Carolina?

There are 65 USDA backed residential loans in Montgomery county with an average loan balance of $103,588. Over 83% of the loans helped first time home buyers. Borrowers were an average age of 37 years old. The typical appraised home value was around $109,513. On average the rural home size purchased with this loan was approximately 1,508 SqFt. Montgomery 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 Montgomery County is roughly 1,297 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Montgomery County is 8. Look below for the interactive county level map illustration below for more details.


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 Montgomery County, NC   Montgomery QR code
* cities most likely to have USDA loan eligible properties for sale.

Abner   •   Allreds   •   *Biscoe   •   Blaine   •   *Candor   •   Capelsie   •   Coggins Mine   •   Eldorado   •   Emery   •   Ether   •   Harrisville   •   Liberty Hill   •   Lovejoy   •   *Mount Gilead   •   Okeewemee   •   Onvil   •   Ophir   •   Pekin   •   Refuge Mission   •   Roberdo   •   Rubyatt   •   *Star   •   Steeds   •   *Troy   •   Uwharrie   •   Wadeville

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 Montgomery County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries and read about general conditions of
Montgomery County, North Carolina
USDA Boundary Details
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Montgomery County, located in the Piedmont region of North Carolina, was formed in 1779 and named in honor of Richard Montgomery, an American Revolutionary War general who fought bravely until his death in the 1775 Battle of Quebec. The county seat, Troy, was established in 1843 and serves as the center of government and commerce for the region. Montgomery County is known for its rich Native American history, with the Pee Dee River forming its eastern border and offering many archaeological sites showcasing Native American artifacts.

The area originally consisted of large tracts of fertile land and was primarily settled by Scots-Irish and German immigrants who were drawn to its thriving agriculture and forestry industries. During the 19th century, gold mining became an important industry in the region, with the Russell Gold Mine considered one of the richest mines in the North Carolina Gold Rush.

In the 20th century, the county saw significant growth and industrialization with the establishment of textile mills, brick plants, and potteries. Montgomery County also valued its natural resources and built several dams along the Yadkin River, developing hydroelectric power to meet the needs of growing industries and communities.

Montgomery County's Uwharrie National Forest offers a fun fact for outdoor enthusiasts. It is not only the smallest national forest in North Carolina but also one of the smallest in the United States, covering approximately 51,000 acres. The forest is home to the Uwharrie Mountains, which are considered to be some of the oldest in North America, and visitors can enjoy numerous recreational activities such as hiking, horseback riding, camping, and off-road vehicle trails.


Featured Cities of North Carolina
Candor Pekin
Featured Properties from USDA Loan Eligible Regions of Montgomery County
208 Lake Tillery Trl
Mount Gilead, NC

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E Main St
Biscoe, NC

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