Kentucky USDA Rural Housing
Property Eligibility Map & Expert Guidance
Joel Lobb - USDA Loan Expert
✉️ kentuckyloan@gmail.com
NMLS ID: 57916
Is Your Kentucky Home USDA Eligible?
Use our interactive map to instantly check if your property qualifies for USDA Rural Housing loans. Get 0% down payment financing in eligible Kentucky areas.
Kentucky USDA Property Eligibility Map
How to Use This Map:
Enter the property address in the search box below or zoom into your area of interest. Green areas are USDA-eligible, red areas are not eligible for USDA Rural Housing loans.
🗺️ Check Property Eligibility Now
Use the official USDA eligibility tool to instantly verify if your Kentucky property qualifies:
🔍 Open USDA Eligibility MapStep-by-Step Instructions:
- Click the button above to open the official USDA map
- Select "Single Family Housing" from the program menu
- Enter your Kentucky property address in the search box
- Look for the color coding:
- 🟢 Green = ELIGIBLE for USDA loans
- 🔴 Red = NOT ELIGIBLE for USDA loans
Alternative Eligibility Checks:
Kentucky USDA Income Limits 2025
USDA Rural Housing loans are designed for low to moderate-income Kentucky families. Your household income must be within these limits:
| Household Size | Maximum Income |
|---|---|
| 1-4 People | $119,850 |
| 5-8 People | $158,250 |
Kentucky Advantage:
Many Kentucky communities that seem "suburban" actually qualify for USDA financing! Areas around Louisville, Lexington, and other cities often have USDA-eligible zones.
USDA Loan Benefits
- 0% Down Payment - No down payment required
- Low Interest Rates - Competitive fixed rates
- No PMI - Low annual guarantee fee instead
- Flexible Credit - Options for credit scores as low as 580
- Low Closing Costs - Seller can pay up to 6% of costs
- Refinancing Available - Streamline and cash-out options
Kentucky USDA Property Requirements
Location Requirements:
- Property must be in USDA-designated rural area
- Most of Kentucky qualifies - use map above to verify
- Single-family homes, condos, and manufactured homes eligible
- Must be your primary residence
Property Condition Requirements:
- Safe, sanitary, and structurally sound
- Adequate heating and cooling systems
- Safe electrical and plumbing systems
- Clean water supply and waste disposal
- Must pass USDA appraisal inspection
Popular Kentucky USDA Areas Include:
Around Louisville: Bardstown, Elizabethtown, Shepherdsville outer areas, Brandenburg
Around Lexington: Georgetown, Versailles, Frankfort, Richmond
Eastern Kentucky: Pikeville, Hazard, Paintsville, Prestonsburg
Western Kentucky: Paducah suburbs, Murray, Mayfield, Hopkinsville
Ready to Get Started with Your Kentucky USDA Loan?
With over 20 years of experience and 1,300+ Kentucky families helped, I'll guide you through every step of the USDA loan process.
