USDA Geographic Eligiblty Boundaries for New Jersey

By area about 31.6% of New Jersey is ineligible for rural development USDA home loans.


Regions of New Jersey highlighed in red are not eligible for the USDA backed home loan programs. USDAProperties.com can help you determine exactly what properties are outside these boundaries. For higher resolution of the boundaries click the map to zoom in or search for specific postal (zip) codes, city names or even counties.

New 2024 USDA Loan Boundaries for New Jersey

Use the search form to find your favorite counties, cities and zip codes in New Jersey.

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Benefits of Rural Life in New Jersey:

Living in rural New Jersey offers many benefits. Residents can enjoy peaceful, picturesque natural settings and enjoy a slower pace of life. There are plenty of opportunities for outdoor activities, such as fishing, hiking, camping, and kayaking. Small towns and villages offer a sense of community and a close-knit atmosphere. The cost of living in rural New Jersey is also generally lower than in many of its urban areas.

General Rural Housing Conditions in New Jersey:

Housing in rural areas of New Jersey tends to be more affordable than in urban areas. Homes tend to be older and more modest in size. Many rural homes are single-family dwellings, though there are some mobile homes and manufactured housing options available. Land is often cheaper in rural areas, which can provide an opportunity for those looking to build their own home.

Financing Options for Purchasing Homes in Rural Areas of New Jersey:

There are several financing options for purchasing homes in rural areas of New Jersey. The most common is a traditional mortgage loan. The New Jersey Housing and Mortgage Finance Agency (NJHMFA) offers special loan programs and assistance for first-time homebuyers and those with low or moderate incomes. The USDA also offers special loans and grants for those looking to purchase a home in a rural area. These programs require that the home meet certain criteria, such as being a primary residence, located in an eligible rural area, and meeting certain income requirements.

Rural Living in New Jersey

Direct New Jersey USDA Program Administration Contact Information

New Jersey State Office
521 Fellowship Road
Suite 130
Mt. Laurel, NJ  08054
Tel: 856-787-7700
Fax: 855-305-7343

Featured Property from USDA Loan Eligible Regions of New Jersey