Find USDA Eligible Properties in Wilson County
Looking to buy in Wilson 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 Wilson County, NC 
* cities most likely to have USDA loan eligible properties for sale.
*Black Creek • Boswellville • Bridgersville • Buckhorn Crossroads • Cliftonville • Cobbs Crossroad • Connor • Drivers Store • Dunn Crossroads • *Elm City • Evansdale • Fillmore • Finch Mill • Hawra • Holdens Crossroads • Kirbys Crossing • Lamm• • •
| 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 |
• Lamms Crossroads • *Lucama • Penders Crossroads • Pine Tree • Rock Ridge • *Saratoga • Scotts • *Sims • *Stantonsburg • Stilleys Crossroads • Stotts Crossroads • Wiggins Mill • Wilbanks • Wilkerson Crossroads • Wilson
There are 194 USDA backed residential loans in Wilson county with an average loan balance of $121,092. Over 83% of the loans helped first time home buyers. Borrowers were an average age of 36 years old. The typical appraised home value was around $124,363. On average the rural home size purchased with this loan was approximately 1,509 SqFt. Wilson 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 Wilson County is roughly 969 square kilometers. USDA defined regions of rural loan ineligibility in Wilson cover 128 square kilometers of the county. Approximately 13.3% of Wilson County is ineligible for traditional USDA home loans. The influence score for Wilson 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 Wilson County.
View the detailed USDA boundaries and read about general conditions of
Wilson County, North Carolina
.Wilson County is located in the eastern part of the state of North Carolina and was established on February 13, 1855. The county was carved out from portions of Edgecombe, Johnston, Nash, and Wayne counties. It was named in honor of Louis D. Wilson, a state legislator and U.S. Congressman who served in the Mexican-American War and died of fever during the campaign.
The county seat and largest city in the region is Wilson, which was incorporated in 1849. Initially, the county's economy was primarily based on agriculture, with the cultivation of crops such as tobacco, cotton, and corn. In the late 19th and early 20th centuries, the arrival of the Atlantic Coast Line Railroad and other major rail lines contributed significantly to the growth and development of the area, helping to establish Wilson as a major transportation hub and tobacco market in the state.
Throughout its history, Wilson County has been a center for culture, education, and trade. Barton College, a private liberal arts institution, was founded in the city of Wilson in 1902 and remains an essential educational institution in the region.
Fun fact: Wilson County is home to the Vollis Simpson Whirligig Park, which features numerous large and intricate whirligig sculptures created by local folk artist Vollis Simpson. The park has gained national attention and has helped to transform the downtown area of Wilson into a popular cultural destination.
Featured Cities of North Carolina
browse list of realtors working in Wilson CountyWilson county has 1 usdaproperties.com realtor ready to help with your search!
| May 2025 Featured Agent | |
|---|---|
| Brandon Narron | from Narron Sells Group |
Are you a realtor interested in helping families find USDA eligible properties in Wilson County?
Join the USDAProperties Realtor Network