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There are 209 USDA backed residential loans in Chemung county with an average loan balance of $99,968. Over 84% of the loans helped first time home buyers. Borrowers were an average age of 36 years old. The typical appraised home value was around $101,982. On average the rural home size purchased with this loan was approximately 1,331 SqFt. Chemung 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 Chemung County is roughly 1,063 square kilometers. USDA defined regions of rural loan ineligibility in Chemung cover 87 square kilometers of the county. Approximately 8.2% of Chemung County is ineligible for traditional USDA home loans. The influence score for Chemung County is 2. Look below for the interactive county level map illustration below for more details.
Start your search for USDA loan eligible properties in the cities of Chemung County, NY
* cities most likely to have USDA loan eligible properties for sale.
*Ashland • *Big Flats • *Breesport • *Catlin • Chambers • *Chemung • East Elmira • Elmira • Elmira Heights • *Erin • Fisherville • Golden Glow Heights • Harris Hill Manor • Hicks • Horseheads • Horseheads North • Lowman • Midway • *Millport • North Chemung • Orchard Knoll • Owens Mills • Pine City • *Pine Valley • Post Creek • Rosstown • Rush Run • Sagetown • Seeley Creek • *Southport • Sullivanville • Swartwood • *Van Etten • *Veteran • Webb Mills • *Wellsburg • West Elmira
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 Chemung County.
Chemung County, located in the southern tier of the great state of New York, was officially established on March 29, 1836. The county derives its name from a Native American word meaning "big horn," in reference to a fossilized mastodon tusk discovered in the area. The region is steeped in both Native American and European settler history, with roots dating back to the Iroquois Confederacy, and it eventually played a significant role in westward migration and the formation of the United States.
Before Chemung County was established, the area was part of Tioga County, and its early inhabitants were a mix of Native American tribes, including the Iroquois, Susquehannocks, Eries, and Andastes. European settlers started arriving in the 18th century, initially consisting of a few French settlers followed by the British. Notably, during the Revolutionary War, the Battle of Newtown (1779) took place in the area, which was an important victory for the Continental Army against the Iroquois -Tory coalition. The event was part of the much larger Sullivan Expedition, aimed at eradicating British support among Native American tribes.
In the 19th century, Chemung County experienced significant industrial development, primarily due to its proximity to the Chemung River and the completion of the Chemung Canal in 1833. The transportation infrastructure led to growth in the manufacturing, glass-making, and coal mining industries. The city of Elmira, which serves as the county seat, also played a crucial role during the Civil War, housing a prison camp for captured Confederate soldiers.
One fun fact about Chemung County is that it is home to the "Mark Twain Study," a small octagonal building located on the Elmira College campus, where the famous author wrote some of his most celebrated works, including "The Adventures of Tom Sawyer" and "Adventures of Huckleberry Finn." Twain, whose real name was Samuel Clemens, spent many summers in Elmira, working on his writings in the peace and quiet of this unique study.
Today, Chemung County continues to contribute to the rich history and culture of New York State, and its residents proudly celebrate their region's significant past.