Find USDA Eligible Properties in Clay County


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There are 18 USDA backed residential loans in Clay county with an average loan balance of $85,503. Over 88% of the loans helped first time home buyers. Borrowers were an average age of 39 years old. The typical appraised home value was around $93,850. On average the rural home size purchased with this loan was approximately 1,580 SqFt.

The size of Clay County is roughly 672 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Clay County is 9. 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 Clay County, TN   Clay QR code
* cities most likely to have USDA loan eligible properties for sale.

Arcott   •   Bakerton   •   Baptist Ridge   •   Butlers Landing   •   *Celina   •   Cherry Crossroads   •   Clementsville   •   Denton Crossroads   •   Free Hill   •   Hermitage Springs   •   Jenkins Village   •   Miles Crossroads   •   Moss   •   Neely Crossroads   •   Richville   •   Saint John   •   Thompsons Store   •   Union Hill

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 Clay County.

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View the detailed USDA boundaries and read about general conditions of
Clay County, Tennessee
USDA Boundary Details
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Clay County is located in the great state of Tennessee, USA, situated in the Upper Cumberland region. Established on June 16, 1870, the county was named in honor of Henry Clay, a prominent American statesman and politician known for his contributions as Speaker of the House of Representatives, a Kentucky Senator, and Secretary of State.

The county is relatively small, covering an area of about 237 square miles, with its county seat located in the city of Celina. Historically, it has been rural and agricultural in nature, producing corn, wheat, and livestock such as cattle and hogs.

During the 19th and early 20th centuries, Clay County saw a boom in the mining of coal, oil, and natural gas, which brought a surge in industrialization and population growth. Along with the agricultural and mineral resources, the Cumberland and the Obey River Forks provided a major mode of transportation and commerce.

Clay County is also known for its scenic beauty and outdoor recreational opportunities, such as Dale Hollow Lake, a man-made reservoir created by damming the Obey River in 1943. It is a popular destination for various water-related activities including boating, swimming, and fishing, attracting thousands of visitors each year.

Fun Fact: The world-record smallmouth bass was caught in the Dale Hollow Lake in 1955, weighing 11 pounds and 15 ounces, which still holds the record today. This has contributed to Clay County, particularly the Dale Hollow Lake, being recognized as a premier destination for smallmouth bass fishing enthusiasts.


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Featured Properties from USDA Loan Eligible Regions of Clay County