USDA Rural Property Eligibility
The address matters more than the city label. USDA's official eligibility tool determines whether the property sits in an eligible rural area.
Use the official map
USDA says applicants should use the USDA Eligibility Site to enter a specific address or review the map.
Eligible property types
The Guaranteed program can finance eligible new or existing primary residences, including detached, attached, condominium, PUD, modular and manufactured housing when program requirements are met.
Property cannot be primarily income-producing
USDA's Guaranteed program is for a primary residence, not an income-producing investment property.
Official USDA baseline
USDA Guaranteed Loan Program · HB-1-3555 Technical Handbook
USDA rules and income/property eligibility can change. The current USDA eligibility site, handbook, GUS result and approved lender requirements control the actual transaction.