Find USDA Eligible Properties in Carter County
Looking to buy in Carter County, Oklahoma?
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 Carter County, OK 
* cities most likely to have USDA loan eligible properties for sale.
Alpers • Ardmore • Baum • Brock • Caldwell Hill • Cheek • Clemscott • *Dickson • Dillard • Durwood • Fox • *Gene Autry • Graham • *Healdton • Hewitt • *Lone Grove• • •
| 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 |
• Milo • Newport • Oil City • Pooleville • Provence • Pruitt City • *Ratliff City • Rexroat • *Springer • *Tatums • Tussy • *Wilson • Woodford • Zaneis
There are 207 USDA backed residential loans in Carter county with an average loan balance of $109,162. Over 82% of the loans helped first time home buyers. Borrowers were an average age of 37 years old. The typical appraised home value was around $112,681. On average the rural home size purchased with this loan was approximately 1,548 SqFt. Carter 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 Carter County is roughly 2,158 square kilometers. USDA defined regions of rural loan ineligibility in Carter cover 140 square kilometers of the county. Approximately 6.5% of Carter County is ineligible for traditional USDA home loans. The influence score for Carter County is 7. 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 loan eligible properties in Carter County.
View the detailed USDA boundaries and read about general conditions of
Carter County, Oklahoma
.Carter County is located in the southern part of Oklahoma, USA. The county was officially established at statehood, on November 16, 1907, but its history goes back further. The area that is now Carter County was originally part of the Chickasaw Nation-one of the Five Civilized Tribes that were forcibly relocated to Indian Territory during the 1830s as part of the Trail of Tears.
The city of Ardmore, which is now the county seat and the largest city in Carter County, was founded in 1887. Ardmore was a thriving trade and commercial center due to the arrival of the Atchison, Topeka, and Santa Fe Railway in the area. In the late 19th and early 20th centuries, the county became known for its cattle raising, cotton production, and shipping facilities.
Carter County and the surrounding areas experienced an oil boom in the early 1900s, which significantly contributed to the region's economy and increased its population. The presence of the petroleum industry is still crucial to the county's economy.
One fun fact about Carter County is that it is home to Lake Murray, Oklahoma's first and largest state park. Lake Murray State Park spans over 12,500 acres and offers numerous recreational activities such as camping, hiking, boating, fishing, and golfing. The park also features a rare and unique geological formation called Tucker Tower, which is a 65-feet-tall limestone structure that juts out from a cliff into Lake Murray, providing breathtaking views of the surrounding landscape.
Featured Cities of Oklahoma
browse list of realtors working in Carter CountyCarter has 3 agents ready to help.
Derek Wallace
Yvonne Biederman
Makenzie Mcelroy
🏡 Join the USDA Properties Agent Partner Program - Start for Free!
Get exclusive access to motivated homebuyers searching for USDA-eligible properties. Our Free Membership gives you:✅ Direct USDA Buyer Leads – No Cost, No Lead Sharing
Receive leads matched directly to you in your selected counties. Keep every lead—no sharing.
✅ Your Own Profile in the Agent Directory
Be listed instantly where buyers are searching for trusted local USDA experts.
✅ Automatic Featured Listings
Your property listings are showcased on USDAProperties.com for more exposure—free!
✅ Partner Badge to Display
Showcase your USDAProperties.com affiliation on your website, email, or social media.
It’s quick and easy to get started—no payment required.Upgrade anytime for even more leads and priority exposure with our Pro & Edge memberships!