Find USDA Eligible Properties in Schenectady County


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Schenectady county has 3 usdaproperties.com realtors ready to help with your search!

March Featured Agents
Robert Jones   from   ROBERT JONES
Rebecca Wilcox   from   Century 21 Rural Estates
Cynthia Kelly   from   Walton Realty Group

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Looking to buy in Schenectady County, New York?

There are 65 USDA backed residential loans in Schenectady county with an average loan balance of $159,271. Over 87% of the loans helped first time home buyers. Borrowers were an average age of 36 years old. The typical appraised home value was around $160,809. On average the rural home size purchased with this loan was approximately 1,554 SqFt. Alternate income limits exist to determine loan eligibility in Schenectady county. For a household of upto 4 people the income limit is $103,350. For a household of between 5 and 8 people the income limit increases to $136,400.

The size of Schenectady County is roughly 543 square kilometers. USDA defined regions of rural loan ineligibility in Schenectady cover 171 square kilometers of the county. Approximately 31.5% of Schenectady County is ineligible for traditional USDA home loans. The influence score for Schenectady 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 Schenectady County, NY   Schenectady QR code
* cities most likely to have USDA loan eligible properties for sale.

Alplaus   •   Aqueduct   •   Beukendaal   •   Carman   •   Coldbrook   •   *Delanson   •   *Duane Lake   •   *Duanesburg   •   East Glenville   •   Gifford   •   Glenridge   •   *Glenville   •   Glenville Center   •   Harding Crossing   •   Harmon Park   •   Hawthorne Hill   •   High Mills   •   Hoffmans   •   Hutchinson Crossing   •   Kelleys   •   Mariaville   •   *Mariaville Lake   •   Niskayuna   •   Pattersonville   •   Pine Grove   •   *Princetown   •   Quaker Street   •   Ralmar Park   •   Rectors   •   Rotterdam   •   Schenectady   •   Schonowe   •   Scotia   •   South Schenectady   •   West Hill   •   Wheeler Estates   •   Willow Brook Park   •   Woodruff Heights   •   Wyatts

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 Schenectady County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries and read about general conditions of
Schenectady County, New York
USDA Boundary Details
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Schenectady County is located in the great state of New York, with its county seat being the city of Schenectady. Established in 1809, Schenectady County was created when it broke off from Albany County. The name "Schenectady" is derived from the Mohawk word "skahnehtati," which means "beyond the pines." The region was originally inhabited by the Mohawk nation, one of the original members of the Haudenosaunee, or Iroquois Confederacy.

In 1661, Arent Van Curler, a Dutch settler, purchased the land from the Mohawk Indians and established a settlement, which eventually became the city of Schenectady. This early settlement and its surrounding agricultural lands were often targeted by French and Indian raids during the late 17th and early 18th centuries.

In 1825, the opening of the Erie Canal brought growth and prosperity to Schenectady County. The waterway connected the Hudson River, passing through Schenectady, to the Great Lakes, giving local industries access to new markets. This allowed for the growth of various industries, such as manufacturing and transportation.

In the late 19th and early 20th centuries, Schenectady became an important center for the burgeoning electric power and locomotive industries. The American Locomotive Company (ALCO), founded in Schenectady in 1901, became one of the largest builders of steam locomotives in the nation. In 1886, Thomas Edison moved his Edison Machine Works to Schenectady, which later merged with other companies to form the General Electric Company (GE) in 1892. GE's Schenectady works became a major hub for research and manufacturing of household electrical appliances, earning the city the nickname "the city that lights and hauls the world."

A fun fact about Schenectady County is that it is home to the world's oldest continuously-operating industrial plant, the Mohawk Paper Mills, which has been in operation since 1806.


Featured Cities of New York
Coldbrook Wyatts
Featured Properties from USDA Loan Eligible Regions of Schenectady County