Find USDA Eligible Properties in Michigan
Find properties within a county or use the search to find specific city and zip code areas.
Click on the county map below to see USDA eligible properties by county.
There are 46,955 USDA backed residential loans in Michigan with an average loan balance of $91,168. Over 80% of the loans went to help first time home buyers. Borrowers were an average age of 37 years old. The typical appraised home value was around $92,483. On average the rural home size purchased with this loan was approximately 1,366 square feet.
The size of Michigan is roughly 250,487 square kilometers. USDA defined regions of rural loan ineligibility in Michigan covers about 7,332 square kilometers of the state. That means only 2.93% of the state is ineligible for traditional USDA home loans. See the interactive geographic illustration below for more details.
Select from the list of counties below or use the search feature above to find houses in a city where you would like to live. Some popular medium sized cities in Michigan include Belleville, Saint Clair, Birmingham, and Allen Park.
Search 83 Counties of Michigan 
Alcona • Alger • Allegan • Alpena • Antrim • Arenac • Baraga • Barry • Bay • Benzie • Berrien • Branch • Calhoun • Cass • Charlevoix • Cheboygan • Chippewa • Clare • Clinton • Crawford • Delta • Dickinson • Eaton • Emmet • Genesee • Gladwin • Gogebic • Grand Traverse • Gratiot • Hillsdale • Houghton • Huron • Ingham • Ionia • Iosco • Iron • Isabella • Jackson • Kalamazoo • Kalkaska • Kent • Keweenaw • Lake • • •
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
• Lapeer • Leelanau • Lenawee • Livingston • Luce • Mackinac • Macomb • Manistee • Marquette • Mason • Mecosta • Menominee • Midland • Missaukee • Monroe • Montcalm • Montmorency • Muskegon • Newaygo • Oakland • Oceana • Ogemaw • Ontonagon • Osceola • Oscoda • Otsego • Ottawa • Presque Isle • Roscommon • Saginaw • Saint Clair • Saint Joseph • Sanilac • Schoolcraft • Shiawassee • Tuscola • Van Buren • Washtenaw • Wayne • Wexford
States bordering Michigan include Illinois, Indiana, Minnesota, Ohio and Wisconsin.
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 Search for USDA Eligible Properties throughout the state of Michigan.
Michigan was admitted into the United States on January 26th, 1837 where the state capitol today resides in Lansing.
The official Michigan motto is "Si quaeris peninsulam amoenam circumspice," which is Latin for "If you seek a pleasant peninsula, look about you." This motto was chosen in 1835 by Michigan's first governor, Stevens T. Mason. The phrase is meant to celebrate the beauty of Michigan's landscape and acknowledge the importance of its location as a peninsula surrounded by four of the five Great Lakes. The phrase was inspired by the Latin phrase "Si quaeris miracula, circumspice," which translates to "If you seek wonders, look about you." This phrase was used to describe the architectural beauty of St. Paul's Cathedral in London in the early 19th century.
Learn about the birds and the bugs of Michigan!
State Fish: Brook trout (Salvelinus fontinalis)
Updated Boundaries
Effective 2024
Local USDA Program Administration Contact Information
USDA RD State OfficeFeatured Properties from USDA Loan Eligible Regions of Michigan
3001 Coolidge Rd.
Suite 200
East Lansing, MI 48823
517-324-5190 | Fax 855-813-7741
Select from featured USDA loan eligible cities
Rural Homes in Michigan during Spring
