Find USDA Eligible Properties in Surry County

 

Looking to buy in Surry County, North Carolina?

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There are 576 USDA backed residential loans in Surry county with an average loan balance of $106,887. Over 78% of the loans helped first time home buyers. Borrowers were an average age of 38 years old. The typical appraised home value was around $114,138. On average the rural home size purchased with this loan was approximately 1,384 SqFt. Surry 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 Surry County is roughly 1,393 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Surry County is 6. 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 Surry County, NC  
* cities most likely to have USDA loan eligible properties for sale.
  Select a City   Ararat Ash Hill Black Water Boones Hill Burch Copeland Crooked Oak Crutchfield Devotion* Dobson* Elkin Holly View ForestHighland Park Ladonia Little Richmond* Lowgap* Mount Airy Mountain Park North Elkin* Pilot Mountain Pine Hill Red Brush Rockford Sheltontown Shoals Siloam State Road Stony Knoll Sulphur Springs Thurmond* Toast Turkey Ford Westfield* White Plains Zephyr
Ararat   •   Ash Hill   •   Black Water   •   Boones Hill   •   Burch   •   Copeland   •   Crooked Oak   •   Crutchfield   •   Devotion   •   *Dobson   •   *Elkin   •   Holly View ForestHighland Park   •   Ladonia   •   Little Richmond   •   *Lowgap   •   *Mount Airy   •   Mountain Park   •   North Elkin• • •

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 CHECK YOUR USDA ELIGIBILITY   >

  •   *Pilot Mountain   •   Pine Hill   •   Red Brush   •   Rockford   •   Sheltontown   •   Shoals   •   Siloam   •   State Road   •   Stony Knoll   •   Sulphur Springs   •   Thurmond   •   *Toast   •   Turkey Ford   •   Westfield   •   *White Plains   •   Zephyr

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 Surry County.

Surry County, situated in the great state of North Carolina, was established in 1771. It was formed from parts of Rowan County, which was one of the original 13 counties of North Carolina. Located in the northwestern part of the state, Surry County is bordered by the Blue Ridge Mountains and the Yadkin River to the east.

The early settlers of Surry County were primarily of English, Scots-Irish, and German descent, seeking a new life in the American colonies. The county played a significant role in the American Revolutionary War, with the Battle of Shallow Ford taking place in present-day Yadkin County (originally part of Surry County) in 1780.

Throughout the 19th century, Surry County was a primarily agricultural area, with tobacco and textiles becoming key industries. The construction of the railroad in the late 1800s helped boost the county's economy by facilitating trade and connecting the region with other parts of the state and country.

One fun fact about Surry County is that it is known for its rich musical heritage. The area has been influential in the development of both old-time and bluegrass music, with legendary musicians like Tommy Jarrell, Fred Cockerham, and Benton Flippen hailing from the region. Mount Airy, the largest city in Surry County, is also considered the inspiration for the fictional town of Mayberry in the classic TV show "The Andy Griffith Show," as Griffith was born and raised there.

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