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The benefits of rural life in North Carolina include a peaceful setting, access to outdoor recreation, and a strong sense of community. The rural areas of North Carolina are known for its scenic beauty, including rolling hills and deep forests. This makes it ideal for outdoor activities such as camping, hiking, fishing, and hunting. The slower pace of life and close-knit communities provide a sense of security and stability.
Rural housing conditions in North Carolina vary widely. In some areas, housing is newer and well-maintained, while in other areas, housing may be more run down. Generally, rural housing is more affordable than urban housing.
Financing options for purchasing homes in rural areas of North Carolina include mortgages, cash purchases, and rural development loans. Mortgages can be obtained from banks, credit unions, and other lending institutions. Rural development loans are available through the U.S. Department of Agriculture and are designed to help low- and moderate-income families purchase homes in rural areas. Cash purchases are also available, though they may require a larger down payment.
The North Carolina State Office, located in Raleigh, NC, administers USDA Rural Development programs through six Area Offices and fourteen field offices across the state.Featured Property from USDA Loan Eligible Regions of North Carolina
State Director's Office: 919-873-2015
Business Programs: 919-873-2040
Community Programs: 919-873-2030
Multi-Family Housing Programs: 919-873-2050
Single Family Housing Programs: 919-873-2051