Find USDA Eligible Properties in Cape May County
Looking to buy in Cape May County, New Jersey?
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 Cape May County, NJ 
* cities most likely to have USDA loan eligible properties for sale.
*Avalon • Beesleys Point • *Belleplain • Bennett • Bowman Manor • *Burleigh • *Cape May • *Cape May Court House • *Cape May Point • Cedar Springs • Clermont • Cold Spring • Del Haven • *Dennis • Dennisville • *Diamond Beach • Dias Creek • Eldora • *Erma • Erma Park • Fishing Creek • Goshen • Grassy Sound • Green Creek • Greenfield • Highs Beach • Kimbles Beach • Kimseytown • *Lower • Marlyn Manor • Marmora • Marshallville • Mayville • Miami Beach • *Middle • *North Cape May • North Dennis• • •
| 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 |
• North Highlands Beach • North Wildwood • Nummytown • Ocean City • Ocean View • Palermo • Pierces • Pierces Point • Potato Island • Reeds Beach • *Rio Grande • Sally Marshall Crossing • Scotch Bonnet • *Sea Isle City • Seaville • Shawcrest • South Dennis • South Seaville • Steelmantown • *Stone Harbor • Stone Harbor Manor • *Strathmere • Swain • Swainton • Town Bank • *Upper • *Villas • *West Cape May • West Wildwood • *Whitesboro • Wildwood • Wildwood Crest • Wildwood Gardens • Wildwood Highlands Beach • *Woodbine
There are 523 USDA backed residential loans in Cape May county with an average loan balance of $186,201. Over 86% of the loans helped first time home buyers. Borrowers were an average age of 38 years old. The typical appraised home value was around $191,894. On average the rural home size purchased with this loan was approximately 1,363 SqFt. Alternate income limits exist to determine loan eligibility in Cape May county. For a household of upto 4 people the income limit is $96,150. For a household of between 5 and 8 people the income limit increases to $126,900.
The size of Cape May County is roughly 740 square kilometers. USDA defined regions of rural loan ineligibility in Cape May cover 43 square kilometers of the county. Approximately 5.8% of Cape May County is ineligible for traditional USDA home loans. The influence score for Cape May County is 2. 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 Cape May County.
View the detailed USDA boundaries and read about general conditions of
Cape May County, New Jersey
.Cape May County is located in the southeastern part of the great state of New Jersey. Established in 1692, it is one of America's oldest vacation resort destinations. The county is named after the Dutch explorer Cornelius Jacobsen Mey, who explored and charted the North American coastline from 1611 to 1614. Cape May County has a rich history that dates back to the indigenous Lenni Lenape people who once resided in the area.
In the early 17th century, European settlers began to arrive, and by the 18th century, Cape May became a popular vacation destination for the wealthy, who built Victorian-style summer homes along the coast. The county's economy largely prospered due to its location along the Atlantic Ocean, which led to the growth of the shipping and fishing industries. In addition, the Cape May Canal was constructed during World War II to provide a strategic and protected shipping route between the Delaware Bay and the Atlantic Ocean.
Today, Cape May County is known for its charming beach towns, such as Cape May, Wildwood, and Ocean City, which attract thousands of tourists annually. These towns offer sandy beaches, delicious seafood, bustling boardwalks, and a plethora of historic sites and landmarks.
Fun fact: Cape May County is home to the Cape May Lighthouse, which was built in 1859 and is still operational today. This iconic structure is one of the oldest continually operating lighthouses in the United States and attracts thousands of visitors each year.
Featured Cities of New Jersey
browse list of realtors working in Cape May CountyCape May county has 1 usdaproperties.com realtor ready to help with your search!
| June 2025 Featured Agent | |
|---|---|
| Tracy A Chambers | from Garden Realty |
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