Find USDA Eligible Properties in Whatcom County
Looking to buy in Whatcom County, Washington?
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 Whatcom County, WA 
* cities most likely to have USDA loan eligible properties for sale.
*Acme • Agate Bay • Balford • Barron • Bellingham • *Birch Bay • Birch Bay Circle Grange • *Blaine • Blue Canyon • Brennan • Chuckanut • Clearbrook • Clipper • Columbia • Comar • Cottonwood Beach • *Custer • *Deming • Dewey • Diablo • Doran • *Everson • *Ferndale • *Geneva • *Glacier • Goshen • Greenwood • Hampton • *Kendall • Kickerville• • •
| 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 |
• Larson Mill • Laurel • Lawrence • Lummi Island • *Lynden • Maple Beach • *Maple Falls • *MariettaAlderwood • Neptune Beach • Newhalem • *Nooksack • Nooksack Salmon Hatchery • Noon • Northwood • *Peaceful Valley • *Point Roberts • Saxon • Semiahmoo • South Beach • *Sudden Valley • *Sumas • Van Wyck • Van Zandt • Victor • Wahl • Warnick • Welcome • Wickersham
There are 1,064 USDA backed residential loans in Whatcom county with an average loan balance of $205,054. Over 85% of the loans helped first time home buyers. Borrowers were an average age of 37 years old. The typical appraised home value was around $205,475. On average the rural home size purchased with this loan was approximately 1,412 SqFt. Alternate income limits exist to determine loan eligibility in Whatcom county. For a household of upto 4 people the income limit is $91,000. For a household of between 5 and 8 people the income limit increases to $120,100.
The size of Whatcom County is roughly 5,601 square kilometers. USDA defined regions of rural loan ineligibility in Whatcom cover 84 square kilometers of the county. Approximately 1.5% of Whatcom County is ineligible for traditional USDA home loans. The influence score for Whatcom County is 2. 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 properties in Whatcom County.
View the detailed USDA boundaries and read about general conditions of
Whatcom County, Washington
.Whatcom County, located in the northwestern corner of Washington State, has a rich and varied history. The county's name is derived from the Lummi word "What-coom" meaning "noisy waters" in reference to the numerous rivers and streams in the region. The area was initially inhabited by various Indigenous tribes, including the Lummi, Nooksack, Samish, and Semiahmoo peoples, who have called the region home for thousands of years.
European settlers, mainly from Britain and the United States, began arriving in the early 19th century. The first significant settlement in the area, now known as Whatcom County, was the fur trading outpost Fort Bellingham, established by the Hudson's Bay Company in 1825. The Oregon Treaty in 1846 established the boundary between American and British territories, with Whatcom County being part of the newly defined American territory.
During the Fraser Gold Rush in 1858, Whatcom County experienced a surge in migration and development. Bellingham, now the county seat, was founded as four separate towns in the mid-1800s - Whatcom, Sehome, Bellingham, and Fairhaven. These towns eventually merged to form the city of Bellingham in 1903.
Whatcom County witnessed rapid industrial development in the late 19th and early 20th centuries, with industries such as lumber, coal mining, and salmon canning flourishing in the region. Agricultural activities, especially dairy farming, also played a vital role in the county's growth.
As for a fun fact about Whatcom County, it is home to the city of Lynden, which boasts the largest Dutch American population and the most churches per capita in the United States. This town hosts an annual Northwest Raspberry Festival, celebrating the region's significant raspberry harvest.
Featured Cities of Washington
browse list of realtors working in Whatcom CountyWhatcom county has 3 usdaproperties.com realtors ready to help with your search!
| June 2025 Featured Agents | |
|---|---|
| Chris Boyd | from COMPASS |
| Bethnie Morrison | from Coldwell Banker Bain |
| Travis Boyd | from John L Scott |
🏡 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!