Find USDA Eligible Properties in Polk County


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There are 69 USDA backed residential loans in Polk county with an average loan balance of $144,562. Over 82% of the loans helped first time home buyers. Borrowers were an average age of 39 years old. The typical appraised home value was around $156,727. On average the rural home size purchased with this loan was approximately 1,521 SqFt. Polk 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 Polk County is roughly 616 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Polk County is 6. Look below for the interactive county level map illustration below for more details.


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Start your search for USDA loan eligible properties in the cities of Polk County, NC   Polk QR code
* cities most likely to have USDA loan eligible properties for sale.

Collinsville   •   *Columbus   •   Green Creek   •   Hickory Grove   •   Kross Keys   •   Lynn   •   McGinnis Crossroads   •   Melrose   •   Mill Spring   •   Mount Valley   •   Peniel   •   Poplar Grove   •   Rock Springs   •   *Saluda   •   Sandy Plains   •   Stearns   •   Sunny View   •   *Tryon   •   Valhalla

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 Polk County.

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Polk County, North Carolina
USDA Boundary Details
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Polk County, situated in the great state of North Carolina, has a rich history that dates back to its formation on January 20, 1855. The county was named in honor of James K. Polk, the 11th President of the United States who was a native of North Carolina. Encompassing a land area of approximately 238 square miles, Polk County is nestled in the picturesque Blue Ridge Mountains along the North Carolina-South Carolina border.

Prior to its establishment as a county, the region was mostly inhabited by Cherokee Native Americans. With the arrival of European settlers in the early 18th century, and the 1777 Treaty of DeWitt's Corner, the Cherokee people were forced to give up their lands, leading to an influx of European settlers in the area, primarily of Scots-Irish and German descent. Over time, agriculture and timber production became the dominant industries, with numerous small mills and farmsteads lining the landscape.

The county seat of Polk County is Columbus, which was founded in 1857. Apart from Columbus, other notable towns in Polk County include Tryon, Saluda, and Landrum. Polk County has a rich equestrian legacy, and Tryon, in particular, is home to the world-renowned Tryon International Equestrian Center.

A fun fact about Polk County is that it boasts a unique location known as the "Thermal Belt." This meteorological phenomenon occurs due to the county's elevation, which results in milder temperatures throughout the year. These favorable weather conditions not only make it an attractive destination for outdoor enthusiasts but also contribute to thriving wine vineyards and agricultural pursuits in the area.


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Featured Properties from USDA Loan Eligible Regions of Polk County