Find USDA Eligible Properties in Pontotoc County
Looking to buy in Pontotoc 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 Pontotoc County, OK 
* cities most likely to have USDA loan eligible properties for sale.
*Ada • Ahloso • *Allen • Bebee • *Byng • Center • Coil • Fittstown • *Fitzhugh • *Francis • Franks • Frisco • Happyland • Harden City • Hart • Hird • Homer • Jaydee• • •
| 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 |
• Jesse • *Latta • Lawrence • Leader • Lula • Maxwell • Oakman • Oil Center • Pickett • *Roff • Steedman • *Stonewall • Tyrola • Union Hill • Union Valley • Vanoss
There are 423 USDA backed residential loans in Pontotoc county with an average loan balance of $99,342. 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 $100,827. On average the rural home size purchased with this loan was approximately 1,453 SqFt. Pontotoc 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 Pontotoc County is roughly 1,877 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Pontotoc County is 5. 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 Pontotoc County.
View the detailed USDA boundaries and read about general conditions of
Pontotoc County, Oklahoma
.Pontotoc County is located in the south-central region of the great state of Oklahoma. Its history can be traced back to the early 1800s when the area was primarily inhabited by the Chickasaw and Choctaw tribes. The name "Pontotoc" has its roots in the Chickasaw language, meaning "cattail prairie," reflecting the native vegetation found in the region at the time.
In 1830, the United States Congress passed the Indian Removal Act, which facilitated the relocation of Native American tribes in the southeastern United States to present-day Oklahoma, an area referred to as "Indian Territory." The Chickasaws, being one of the Five Civilized Tribes, were among those relocated through this act. As a result, Pontotoc County became part of the Chickasaw Nation in Indian Territory.
During the late 19th and early 20th centuries, settlers of European descent began moving into the area, establishing communities and developing the region's infrastructure. In 1907, Oklahoma became a state, and Pontotoc County was officially established on that same year, with Ada as its county seat.
Pontotoc County is said to have rich agricultural and mineral resources, with industries focused on farming, ranching, and oil production. The county is also known for its educational institutions, such as East Central University, which was founded in Ada in 1909.
One fun fact about Pontotoc County is that the region is home to the Arbuckle Mountain Fried Pies shop, which originated in the Arbuckle Mountains area in the late 1800s. These fried pies are a local favorite, made from an old family recipe, and represent a unique culinary tradition in Oklahoma.
Featured Cities of Oklahoma
browse list of realtors working in Pontotoc CountyPontotoc has 1 agent ready to help.
Joshua Franklin
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