Looking to buy in Rutherford County, North Carolina?
There are 362 USDA backed residential loans in Rutherford county with an average loan balance of $98,433. Over 82% of the loans helped first time home buyers. Borrowers were an average age of 40 years old. The typical appraised home value was around $104,220. On average the rural home size purchased with this loan was approximately 1,468 SqFt. Rutherford 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 Rutherford County is roughly 1,464 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Rutherford County is 6. Look below for the interactive county level map illustration below for more details.
Start your search for USDA loan eligible properties in the cities of Rutherford County, NC
* cities most likely to have USDA loan eligible properties for sale.
Avondale • Bills Creek • *Bostic • Brice • Camp Occoneechee • *Caroleen • *Chimney Rock Village • *Cliffside • Corinth • Danieltown • *Ellenboro • *Forest City • Gilkey • Green Hill • *Henrietta • Hollis • *Lake Lure• • •
What is a USDA Loan? |
The USDA 502 Guaranteed Loan Program is designed to help low-to-moderate-income 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 |
• Logan • Mount Vernon • *Ruth • *Rutherfordton • Sandy Mush • Shiloh • Shingle Hollow • *Spindale • Sunshine • Thermal City • Union Mills • Uree • Westminster • Whitehouse
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 Rutherford County.
Rutherford County, located in the great state of North Carolina, holds a significant place in the region's history. Established in 1779, the county was named in honor of Griffith Rutherford, a prominent legislator and military leader during the Revolutionary War. Rutherford led several campaigns against Native American tribes and played a crucial role in the Battle of Kings Mountain, a turning point in the conflict.
The county's geographical position, nestled in the foothills of the Blue Ridge Mountains, has attracted settlers for centuries. Its rich soil and abundant natural resources have provided excellent farming and mining opportunities. In the 1800s, the discovery of gold in Rutherford County contributed to the region's prosperity and attracted prospectors.
One fun fact about Rutherford County is that it is home to the famous Chimney Rock State Park, a popular destination for outdoor enthusiasts. Chimney Rock is a 500-million-year-old monolith that offers breathtaking views of the surrounding landscape, including the stunning Hickory Nut Gorge and Lake Lure.
February 2025 Featured Agents | |
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Ted Schmidt | from Carolina Select Real Estate, Inc. |
Chris Gardner | from Garner Group Realty |
Patricia Pinkerton | from Pinkerton Realty |