20 smaller cities near big cities where home buyers can now get 100% USDA mortgages
Effective October 1, 2023, the U.S. Department of Agriculture added 1,131 areas to its USDA mortgage footprint for 2024 and removed thirty-six.
first-time home buyers can purchase USDA-eligible homes with 100% financing using the USDA Single-Family Guaranteed Loan Program. Also known as Section 502 mortgages, USDA loans let buyers buy homes with no money down, reduced mortgage insurance rates, and mortgage rates averaging 0.25% below conventional mortgage rates.
USDA mortgages are meant for modest homes in non-urban areas.
This Homebuyer.com study highlights 20 newly-eligible USDA cities within commuting distance of major population centers ranging between 800,000 to 10 million residents It uses data from the U.S. Department of Agriculture, U.S. Census Bureau, and Google Maps.
For the complete, state-by-state list of changes in the 2024 USDA eligibility map, visit:
Scroll to the bottom for our complete methodology, outlining our research process.
20 New USDA Mortgage-Eligible Cities Near Large Population Centers
#1: Lake Los Angeles, California 93591
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Within Los Angeles County, California, Lake Los Angeles emerges as a serene and appealing rural enclave, characterized by its sparse suburban feel and sweeping desert landscapes. This region is distinguished by its signature namesake, the peaceful and scenic Lake Los Angeles, providing a contrasting backdrop to the surrounding arid terrain. The local economy thrives primarily on small businesses and agriculture, reflecting the area’s rustic charm and offering a departure from urban bustle. Renowned local establishment, the Paradise Café, offers a taste of the local culinary culture, delighting residents and visitors alike. This community’s harmonious blend of serene landscapes and economic opportunity renders Lake Los Angeles a promising destination for those pursuing a tranquil, yet vibrant rural lifestyle.
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County
Los Angeles County
County Population
10,040,682
County Median Income
$71,358
Nearest Big City
Los Angeles, CA
Distance to City
68.2 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#2: Mecca, California 92254
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Mecca, located in Riverside County, California, is a locale that offers an eclectic blend of rural charm and cultural richness. The economy of Mecca is primarily anchored in agriculture, notably in cultivating dates and citrus fruits, representing the essence of its rural allure. The agricultural backdrop provides a tranquil escape, starkly contrasting urban cacophony. Local dining establishments like La Cascada are esteemed, serving vibrant dishes reflective of the region’s diverse culinary palette. Nearby, the Salton Sea presents a natural landmark, drawing interest for its unique ecological environment. The blend of Mecca’s serene agricultural landscapes and varied cultural influences makes it an attractive retreat for those seeking solace in rural settings while remaining connected to cultural richness.
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County Population
2,437,864
County Median Income
$70,732
Nearest Big City
Riverside, CA
Distance to City
88.7 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#3: Moapa Valley, Nevada 89021
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Moapa Valley, situated in Clark County, Nevada, is a captivating locale characterized by its distinctive desert landscapes and a community-oriented atmosphere. It’s a region where small-scale businesses and agricultural undertakings predominantly influence the local economy, reflecting a quintessential rural lifestyle. Establishments such as Muddy River Bar and Grill stand out, offering a convivial environment and a taste of the local culinary scene. Nearby, the Valley of Fire State Park is a stunning natural landmark, captivating visitors with its remarkable red sandstone formations and ancient petroglyphs. Moapa Valley's communal warmth, tranquil scenery, and economic stability create an inviting enclave for individuals desiring a balanced, rural living experience.
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County Population
2,228,866
County Median Income
$61,048
Nearest Big City
Las Vegas, NV
Distance to City
60.1 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#4: Phelan, California 92371
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Phelan, tucked away in San Bernardino County, California, emerges as a tranquil enclave surrounded by the sprawling beauty of the Mojave Desert. The town’s economy flourishes primarily through local entrepreneurship and agriculture, creating a harmonious synergy reflective of its rural ethos. Notable establishments such as the Phelan Café offer culinary delights that encapsulate the diverse flavors of the region, enticing locals and visitors alike. Phelan is proximate to the Wrightwood Mountain Resort, a cherished landmark attracting adventure enthusiasts for winter sports and mountain activities. The wide-open spaces, enriched with the high desert’s distinctive flora and fauna and a vibrant local community, render Phelan a desirable haven for those seeking a life immersed in rural tranquility and communal warmth.
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County
San Bernardino County
County Population
2,162,532
County Median Income
$65,761
Nearest Big City
San Bernardino, CA
Distance to City
31.2 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#5: Highland Oaks, Texas 78264
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Highland Oaks, situated in Bexar County, Texas, is a locale revered for its serene ambiance and the rustic charm synonymous with the Texan landscape. The economy of this area is varied, with a balanced mix of local businesses, agricultural endeavors, and manufacturing units, illustrating the multifaceted nature of this tranquil enclave. Popular local establishments like El Chaparral indicate the region’s vibrant culinary scene, offering an array of flavorful dishes reflective of Texas’s rich culinary heritage. The region’s gently rolling hills and abundant green spaces offer a refreshing escape from urban hustle, attracting those who prefer a harmonious and balanced lifestyle. The dynamic yet peaceful environment of Highland Oaks makes it an attractive option for those exploring residential prospects in a rural setting with diverse economic opportunities.
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County Population
1,978,826
County Median Income
$58,288
Nearest Big City
San Antonio, TX
Distance to City
25.8 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#6: Rancho Murieta, California 95683
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Rancho Murieta, found in Sacramento County, California, is a sophisticated enclave known for its upscale amenities and tranquil surroundings. The area’s economy is marked by a mix of luxury services, real estate, and local businesses, projecting an ambiance of affluence and tranquility. Renowned eateries like The Gate Restaurant serve as culinary landmarks, offering exquisite dining experiences that reflect the area’s upscale lifestyle. The Rancho Murieta Country Club is presence indicates the community’s penchant for leisure and recreational activities, contributing to the locale’s allure. The lush landscapes interspersed with serene lakes and rolling hills offer a refreshing retreat from metropolitan life, making Rancho Murieta an ideal residence for those seeking sophistication and serenity in a rural setting.
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County Population
1,537,948
County Median Income
$70,684
Nearest Big City
Sacramento, CA
Distance to City
25.5 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#7: Wedgefield, Florida 32833
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Wedgefield, located in Orange County, Florida, is a charming community recognized for its lush landscapes and a relaxed lifestyle. The economic fabric of this locale is woven from local businesses, real estate developments, and a flourishing tourism sector, reflecting the diverse and vibrant nature of Central Florida. Local dining establishments like the Wedgefield Golf Club offer residents and visitors delightful culinary experiences and recreational opportunities. Close by, the Hal Scott Regional Preserve and Park serves as a significant natural landmark, attracting nature enthusiasts with its expansive green spaces and diverse wildlife. Wedgefield's pleasant subtropical climate, attractive landscapes, and dynamic economic environment make it a preferred choice for those aspiring to experience the charm of rural Florida life.
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County Population
1,373,784
County Median Income
$61,416
Nearest Big City
Orlando, FL
Distance to City
26.2 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#8: Harrisburg, Ohio 43126
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Harrisburg, situated in Franklin County, Ohio, is a quaint village showcasing the enduring charm of the Midwest. The local economy is deeply rooted in agriculture and small-scale enterprises, symbolizing the village’s adherence to a lifestyle that balances simplicity and progress. Establishments like the Harrisburg Pizza Grill are central to the community, serving comforting, hearty meals emblematic of the region's culinary tradition. Nearby, Battelle Darby Creek Metro Park is a reminder of the area’s rich natural heritage, offering numerous recreational opportunities and a glimpse into the diverse local ecosystem. The idyllic surroundings, community-centric lifestyle, and steady economic activities make Harrisburg a delightful option for individuals seeking the serene and grounded essence of rural living in Ohio.
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County Population
1,304,715
County Median Income
$62,352
Nearest Big City
Columbus, OH
Distance to City
16.2 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#9: Jacobson Estates, Texas 78617
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Jacobson Estates, settled in Travis County, Texas, is an enchanting locale that offers a blend of Texan tradition and contemporary living. The local economic landscape is diverse, highlighted by real estate developments, agriculture, and various small-scale businesses, reflective of the area’s dynamic yet balanced lifestyle. Local dining gems like Javi's Best of Tex-Mex illustrate the region's culinary diversity, with flavorful dishes representing the rich culinary heritage of Texas. The McKinney Falls State Park, a nearby natural landmark, offers a refreshing escape with its cascading falls and scenic trails, attracting nature enthusiasts and adventure seekers. With its harmonious mix of traditional values and modern amenities, Jacobson Estates is a promising destination for those yearning for a tranquil, rural dwelling enriched with cultural vibrancy.
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County Population
1,250,884
County Median Income
$80,668
Nearest Big City
Austin, TX
Distance to City
15.4 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#10: Marana, Arizona 85741
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Marana, located in Pima County, Arizona, stands out as a serene southwestern enclave, characterized by its expansive desert landscapes and rich cultural heritage. The local economy is a blend of agriculture, aerospace, and retail sectors, reflecting the adaptability and diversity of the area. Well-regarded establishments like R & R Pizza Express offer a slice of the local culinary culture, showcasing flavors indicative of the region’s gastronomic diversity. The iconic Saguaro National Park, in close proximity, serves as a striking natural landmark, revealing the unique ecology of the Sonoran Desert and attracting nature aficionados. The combination of Marana’s picturesque surroundings, multifaceted economy, and cultural richness makes it an appealing locale for those desiring a life amidst the tranquil and majestic landscapes of the Southwest.
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County Population
1,038,476
County Median Income
$55,023
Nearest Big City
Tucson, AZ
Distance to City
9.0 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#11: Farmersville, Texas 75442
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In Collin County, Texas, lies Farmersville, a welcoming locale steeped in rural charm and tradition. The town’s economy pivots around agriculture and is enriched by diverse small businesses, embodying a communal and resilient spirit. Lake Lavon, a nearby landmark, offers recreational diversity and scenic tranquility, while places like Jordan’s Bar-B-Q are culinary landmarks, serving authentic Texan flavors to a diverse palate. The harmonious intertwining of agrarian lifestyle, vibrant community life, and serene landscapes positions Farmersville as a destination of choice for those seeking the warmth of genuine Texan hospitality within a peaceful, rural backdrop.
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County Population
1,006,038
County Median Income
$100,541
Nearest Big City
Dallas, TX
Distance to City
43.6 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#12: Lanare, California 93656
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In the heart of Fresno County, California, Lanare unfolds as a tranquil rural enclave, exemplifying the serene and simplistic charm inherent to the region. Agriculture is the lifeblood of the local economy, symbolizing the community’s connection to the land and its bounties. Diverse small businesses complement the agrarian foundation, illustrating the adaptable and resilient spirit of Lanare. The area is home to venues like The Lanare Market, offering a taste of local flavors and a glimpse into the region’s culinary variety. Nearby, the serene landscapes of the Westside San Joaquin River offer natural beauty and many outdoor activities. Lanare’s agricultural richness, serene landscapes, and community spirit make it an attractive haven for those seeking peaceful rural living.
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County Population
990,204
County Median Income
$57,109
Nearest Big City
Fresno, CA
Distance to City
28.8 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#13: Bedford, New York 10506
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Nestled in Westchester County, New York, Bedford radiates an air of upscale rustic charm, encapsulated by its picturesque landscapes and architectural elegance. The economy here is sophisticated, marked predominantly by high-end real estate, local artisan shops, and boutique establishments, reflecting the affluent and cultured lifestyle of the locality. The Bedford Post Inn is a culinary and hospitality icon, offering its patrons gourmet experiences and refined ambiance. Bedford’s lush green expanses and tranquil woodlands, like those found in the Mianus River Gorge, serve as refreshing retreats from the urban frenzy, providing scenic vistas and tranquility. The amalgamation of refined lifestyle, cultural richness, and natural beauty renders Bedford an enticing locale for those seeking luxury and serenity in a rural setting.
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County
Westchester County
County Population
968,738
County Median Income
$99,489
Nearest Big City
New York City, NY
Distance to City
47.5 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#14: Springville, New York 14141
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Springville, positioned in Erie County, New York, is a harmonious blend of historical richness and rural elegance. This village’s economy is dynamically balanced, intertwining local commerce, agriculture, and art, reflecting the diverse and creative essence of the community. Establishments such as Julie’s Pizzeria and Restaurant are local gems, serving delectable culinary creations that resonate with the region’s gastronomic diversity. The Concord Historical Society is a testament to the area’s historical wealth, offering insightful glimpses into the local heritage. The gentle hills and verdant landscapes surrounding Springville provide a soothing backdrop, making the village a charming retreat for those wishing to immerse themselves in a setting marked by historical charm and rural tranquility.
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County Population
918,873
County Median Income
$59,464
Nearest Big City
Buffalo, NY
Distance to City
34.5 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#15: Frazier Park, California 93225
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High in the mountains of Kern County, California, Frazier Park unfolds as a tranquil mountain enclave, showcasing the untouched beauty of the high-altitude landscapes. The economic landscape here is modest and resilient, with local enterprises and tourism fueling the community's vibrancy and sustainability. Establishments like La Sierra Mexican Grill encapsulate the local culinary essence, providing residents and visitors a rich array of flavors. Mount Pinos is a distinguished natural landmark in the vicinity, offering breathtaking views and diverse recreational opportunities. Frazier Park’s quaint charm, elevated landscapes, and community-oriented lifestyle create a refreshing abode for those who value serene mountain living and the intimate warmth of a small-town atmosphere.
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County Population
892,458
County Median Income
$54,851
Nearest Big City
Santa Clarita, CA
Distance to City
43.4 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#16: Eatonville, Washington 98328
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In Pierce County, Washington, Eatonville is a quaint township that exudes the serene allure of the Pacific Northwest. The local economy is a symbiotic blend of small businesses, tourism, and forestry, mirroring the town's harmonious integration with its lush surroundings. Iconic eateries like Bruno’s Family Restaurant & Bar serve as gastronomic hubs, offering flavors that nod to the region’s culinary diversity. The encompassing vistas of Mount Rainier National Park stand as a majestic natural beacon, drawing in nature enthusiasts and providing a spectacular backdrop to the town. Eatonville's tranquil environs, abundant greenery, and vibrant community spirit compose a scenic refuge for those seeking a harmonious and nature-infused lifestyle.
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County Population
891,862
County Median Income
$76,438
Nearest Big City
Seattle, WA
Distance to City
60.1 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#17: Pilot Point, Texas 76258
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Pilot Point, nestled in Denton County, Texas, is a picturesque locale distinguished by its pastoral charm and rich historical tapestry. The economy flourishes through a harmonious mix of agriculture, equine industry, and local trades, reflecting the authentic and resilient Texan spirit. Local culinary landmarks like Bebo's Café offer a culinary mosaic, blending tradition and innovation to cater to diverse palates. The Isle du Bois State Park, a nearby natural retreat, enriches the locale with its varied recreational options and scenic landscapes. The amalgamation of Pilot Point’s historical allure, rural elegance, and vibrant communal life positions it as a desirable destination for those aspiring to embrace a life filled with rural tranquility and cultural richness.
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County Population
861,690
County Median Income
$90,354
Nearest Big City
Dallas, TX
Distance to City
53.2 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#18: Sullivan City, Texas 78595
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In the vibrant expanses of Hidalgo County, Texas, Sullivan City emerges as a locale imbued with the warmth and vibrancy of borderland culture. This city's economy is dynamic and multifaceted, with sectors like agriculture, retail, and local services illustrating the resilience and diversity of the community. Eateries like El Pato Mexican Food encapsulate the region's rich culinary heritage, offering a flavorful medley of traditional dishes. The close proximity to the Lower Rio Grande Valley National Wildlife Refuge introduces a dimension of ecological richness and provides recreational variety to the residents. With its cultural vibrancy, economic resilience, and natural beauty, Sullivan City is a welcoming haven for those seeking a life colored by borderland charm and rural serenity.
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County Population
861,137
County Median Income
$41,846
Nearest Big City
McAllen, TX
Distance to City
23.5 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#19: Tornillo, Texas 79853
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Located in El Paso County, Texas, Tornillo is a community radiating the distinct charm of the Texan borderlands. The economy here is grounded in agriculture and local commerce, portraying a tapestry of resilience and adaptability inherent to border towns. Food joints like Tornillo’s Taqueria reflect the culinary richness of the area, offering an array of dishes that are a testament to the local food culture. The presence of the Tornillo-Guadalupe International Bridge serves as a significant landmark, symbolizing connectivity and cultural exchange. With its vast landscapes, close-knit community, and vibrant culture, Tornillo genuinely represents borderland living, offering its inhabitants a peaceful and enriching rural lifestyle.
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County Population
836,915
County Median Income
$48,292
Nearest Big City
El Paso, TX
Distance to City
39.1 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
#20: Harrah, Oklahoma 73045
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Harrah, situated in Oklahoma County, Oklahoma, is a symbol of heartland serenity and community spirit. The town’s economy thrives on a balance of agriculture, small businesses, and local manufacturing, reflecting its residents' resilient and industrious nature. Places like The Shack Seafood & Oyster Bar offer culinary delights, representing the varied gastronomic landscape of the region. The nearby Draper Lake is a significant natural attraction, providing diverse recreational opportunities and a serene environment for relaxation. Harrah’s inviting atmosphere, economic stability, and the beauty of the surrounding landscapes make it a favorable location for those seeking a harmonious and fulfilling rural lifestyle.
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County Population
792,668
County Median Income
$55,519
Nearest Big City
Oklahoma City, OK
Distance to City
29.8 Miles
Sources: FFEIC Home Mortgage Disclosure Act, U.S. Census Bureau
Methodology
To find newly-eligible USDA addresses, we used data from the Census Bureau data drive. Specifically, the Urban Area shapefiles based on the Urban and Rural portion of the 2020 U.S. Census, and the 2010 U.S. Census. These shapefiles files delineate urban census tracts from non-urban census tracts, which is the primary trait for USDA-eligible homes. We used custom software to find the differences between the files and compared them to actual Census Bureau data to confirm polygon and multipolygon geometries.
Next, we mapped the census tracts using internal latitude and longitude coordinates to find their proximate zip code and county names. We used Google Maps to find the expected commuting distance by car to the nearest large city center. We did not consider public or mass transit as a commuting option.
For population and median income data, we used data from the U.S. Census Bureau’s 2020 American Community Survey and the FFEIC Home Mortgage Disclosure Act.
To ensure the accuracy of our study, we relied on the robustness of the HMDA and Census Bureau data and the precision of our database queries. Stringent data extraction, filtering, and analysis process improved our result’s reliability.
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