Find USDA Eligible Properties in Vance County
Looking to buy in Vance 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 Vance County, NC 
* cities most likely to have USDA loan eligible properties for sale.
Adcock Crossroads • Bear Pond • Bobbitt • Brookston • Bullocksville • Dabney • Drewry • Epsom • Faulkner Crossroads • Floytan Crossroads • Gill • Gillburg • Greystone • *Henderson • Jacksontown• • •
| 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 |
• Kellys Crossroads • *Kittrell • Knotts Crossroads • *Middleburg • North Henderson • *South Henderson • Townsville • Tungsten • Watkins • Weldons Mill • Williamsboro • Woodworth
There are 115 USDA backed residential loans in Vance county with an average loan balance of $112,330. Over 80% of the loans helped first time home buyers. Borrowers were an average age of 42 years old. The typical appraised home value was around $116,922. On average the rural home size purchased with this loan was approximately 1,606 SqFt. Vance 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 Vance County is roughly 698 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Vance County is 5. 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 Vance County.
View the detailed USDA boundaries and read about general conditions of
Vance County, North Carolina
.Vance County is located in the north-central part of the state of North Carolina. It was established in 1881 and named after Zebulon Baird Vance, a popular governor of North Carolina during the Civil War and Reconstruction period. The county was formed from portions of Granville, Franklin, and Warren Counties to economically strengthen the area.
The county seat and largest city is Henderson, which was founded in 1841 and named after Leonard Henderson, a former North Carolina Supreme Court Chief Justice. The city became a crucial trading center and hub for the tobacco industry in the late 19th and early 20th centuries, primarily because of the opening of the Raleigh and Gaston Railroad. Its strategic location made it an essential city for commerce and transportation.
A fun fact about Vance County is that it is home to the annual "Show, Shine, Shag & Dine" event, which is an antique car show held in Henderson that promotes tourism and celebrates North Carolina's rich automotive heritage. The event usually takes place in October and attracts classic car enthusiasts from all over the country.
Featured Cities of North Carolina
browse list of realtors working in Vance CountyVance county has 1 usdaproperties.com realtor ready to help with your search!
| June 2025 Featured Agent | |
|---|---|
| Megan Florence | from DASH Carolina |
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