Find USDA Eligible Properties in Herkimer County

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There are 277 USDA backed residential loans in Herkimer county with an average loan balance of $83,480. Over 92% of the loans helped first time home buyers. Borrowers were an average age of 35 years old. The typical appraised home value was around $84,488. On average the rural home size purchased with this loan was approximately 1,471 SqFt. Herkimer 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 Herkimer County is roughly 3,776 square kilometers. USDA defined regions of rural loan ineligibility in Herkimer cover 10 square kilometers of the county. Approximately 0.3% of Herkimer County is ineligible for traditional USDA home loans. The influence score for Herkimer County is 2. Look below for the interactive county level map illustration below for more details.

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 Herkimer County, NY   Herkimer QR code
* cities most likely to have USDA loan eligible properties for sale.

Atwell   •   Beaver River   •   Big Moose   •   Brandreth   •   Bull Hill   •   Cedar Lake   •   Cedarville   •   Cedarville Station   •   Chepachet   •   *Cold Brook   •   *Columbia   •   Columbia Center   •   Cullen   •   Curtis   •   *Danube   •   Days Rock   •   Deck   •   *Dolgeville   •   Eagle Bay   •   East Creek   •   East Frankfort   •   East Herkimer   •   East Schuyler   •   East Winfield   •   Eatonville   •   Edicks   •   *Fairfield   •   Fink Basin   •   Fort Herkimer   •   *Frankfort   •   Frankfort Center   •   *German Flatts   •   Grant   •   Gravesville   •   Gray   •   Gulph   •   Harbor   •   *Herkimer   •   Hurricane   •   *Ilion   •   Indian Castle   •   Ingham Mills Station   •   Irish Settlement   •   Ives Hollow   •   Jacksonburg   •   Jersalem Hill   •   Jordanville   •   Kast Bridge   •   Kingdom   •   *Litchfield   •   *Little Falls   •   *Manheim   •   Manheim Center   •   McKeever   •   *Middleville   •   Millers Mills   •   Minnehaha   •   *Mohawk   •   Moshier Falls   •   Mountain Lodge   •   *Newport   •   Newville   •   Nobleboro   •   North Columbia   •   North Frankfort   •   North Ilion   •   North Wilmurt   •   North Winfield   •   Northwood   •   *Norway   •   *Ohio   •   Old City   •   *Old Forge   •   Paines Hollow   •   *Poland   •   *Russia   •   Salisbury Center   •   *Schuyler   •   South Columbia   •   South Ilion   •   Spinnerville   •   *Stark   •   Starkville   •   *Thendara   •   Van Hornesville   •   *Warren   •   *Webb   •   West Frankfort   •   West Schuyler   •   *West Winfield   •   Wheelertown   •   *Winfield   •   Woods Lake

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 Herkimer County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries and read about general conditions of
Herkimer County, New York
USDA Boundary Details

Herkimer County, located in the great state of New York, is rich in history and culture. Established on February 16, 1791, the county was named in honor of Nicholas Herkimer, a Revolutionary War hero who played a significant role as the commander of the Tryon County militia during the Battle of Oriskany. The region covers an area of approximately 1,458 square miles and is situated within the state's central region, known as the Mohawk Valley.

Initially inhabited by Native American tribes like the Mohawk and Oneida, this region was later settled by European immigrants, predominantly Dutch and German, fostering a diverse environment. During the American Revolutionary War, the county played a vital part in providing support to the Continental Army. The strategic location of the region made it a major hub for trade, agriculture, and transport along the Erie Canal, which connected New York City to the Great Lakes.

Famous for its abundance of natural resources, Herkimer County has been home to mining and manufacturing operations throughout history. The county's quarries are known for producing "Herkimer diamonds," which are actually double-terminated quartz crystals with high clarity and luster. Discovered in the late 18th century, these crystals have become a sought-after geological specimen and a popular collector's item, serving as a unique and fun fact about the region.

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Featured Properties from USDA Loan Eligible Regions of Herkimer County