What Qualifies As USDA Rural?

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The USDA Rural designation might surprise you.  The USDA says that the property must be designated as rural by the Rural Housing Service (RHS) and some designated rural areas actually look and feel more like the suburbs.  In Tucson, the Rancho Vistoso area North of Tangerine Road has the coveted USDA Rural designation, as does the entire town of Vail.  If the home you are interested in buying has the USDA Rural designation, you have a terrific opportunity to obtaining the most cost efficient, lowest payment home loan available.

To see if a property is eligible you can call or email our office at (520) 225-0380.  If you don’t yet have a specific property in mind, just print out the map for the area.  Or you can search the USDA Rural Property Eligibility Database for the property address.

Apply for a USDA Loan Online Now: Loan Application

Metro Areas:

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You can apply for a USDA Guaranteed Rural Home Loan here.  Get started on an Arizona USDA loan today.

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16 Responses to “What Qualifies As USDA Rural?”

  • ron kukes on December 21, 2008

    What about Maricopa County? Aren’t there “rural designations” for such areas as Chandler?

    Thanks for responding.

  • pauldunn on December 27, 2008

    Maricopa County has quite a bit of qualifying property. Chandler is a toughie and to be sure about a property it would be best to look it up in the USDA database. Nearby Queen Creek has a majority of it’s area as qualifying.

  • James Felder on February 28, 2009

    How about the west valley areas cities like Goodyear, Litchfield park, avondale, glendale, buckeye, of Maricopa County? Do they qualify for USDA Rural loans? I would like to have a map if they are available.

  • laurie on April 8, 2009

    What about Gladdens farm in arizona, heard that was a rural area, can you confirm that???? thank you

  • pauldunn on July 27, 2009

    Gladden Farms is acceptable at this time for USDA Guaranteed Rural home loans.

  • pauldunn on July 27, 2009

    James – I don’t have existing maps for those areas, but most do qualify. If you email me an address I would be happy to look it up for you.

  • karen on August 1, 2009

    is bullhead city az rural, or do i have to move out of city to qualify?mohave is the county. thanks

  • pauldunn on August 5, 2009

    Hi Karen,

    At this time Bullhead City Arizona is showing as an ineligible area. It does look like you would not have to go very far out of the city to find a qualifying property. You can always hit the Get Started tab on this page and send in a property address for us to look up.

  • Heather Jackson on August 5, 2009

    We want to buy a home next year using the USDA rural home loan, should we start the qualifying process now?

  • pauldunn on August 5, 2009

    Hi Heather,

    You still have quite a bit of time between now and next year, but it will approach quickly. My suggestion would be to first get your credit in order. In other words, review it to be sure it fits the requirements of USDA Rural Home Loans. I would be happy to review it with you and provide any positive input that will help you in the right direction.

  • Loren Hoboy on June 2, 2010

    As of June 1, 2010 are funds again available for USDA residential loans in Maricopa and Pinal county.

    I am a Realtor. Where can I find a detailed map of the boundary lines for eligable USDA loan property specifically in Goodyear, Surprise, Litchfield Park. The online eligability map has inadequate detail to determine where the lines are.

  • pauldunn on June 4, 2010

    Loren – Yes, we are funding USDA Loans in Maricopa and Pinal Counties again. There are not any detailed maps for those areas however what I have on the USDA Loan Maps tab may help you.

  • scott on April 29, 2012

    how long do i need to wait if i have a foreclosure on my credit and what is the min credit score required to qualify for a usda loan

    Thank you

  • chris on June 25, 2012

    Can we use a Usda on a foreclosure home?

  • Paul Dunn on August 26, 2012

    @ Chris – Yes

  • Paul Dunn on August 26, 2012

    @ Scott – minimum credit score for a usda loan is 620. 36 months seasoning for a foreclosure.

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