How to Check USDA Eligibility in Kentucky
If you're trying to verify whether a Kentucky property qualifies for a USDA Rural Development mortgage, the process is straightforward. Follow these steps:
- Visit the USDA Eligibility Map: Go to the official USDA website here: USDA Property Eligibility.
- Enter the Property Address: Type in the full address of the home you want to check.
- Review the Results: The map will clearly show whether the property is located in a USDA-eligible rural area.
Pro Tip: Homes outside major cities typically qualify. However, some fringe or “edge-of-city” locations remain eligible, so always check the map instead of assuming.
USDA Property Eligibility in Kentucky by County
Most counties in Kentucky still offer wide USDA-eligible areas. Below is a full list of counties, including those with partial or fully ineligible metropolitan pockets.
Adair, Allen, Anderson, Ballard, Barren, Bath, Bell, Bourbon, Boyd, Bracken, Breathitt, Breckinridge, Butler, Caldwell, Calloway, Carlisle, Carroll, Carter, Casey, Christian, Clark, Clay, Clinton, Crittenden, Cumberland, Edmonson, Elliott, Estill, Fleming, Floyd, Fulton, Gallatin, Garrard, Grant, Graves, Grayson, Green, Greenup, Hancock, Harlan, Hart, Henry, Hickman, Hopkins, Jackson, Jessamine, Johnson, Knott, Knox, Larue, Laurel, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, Livingston, Logan, Lyon, McCreary, McLean, Magoffin, Marion, Marshall, Martin, Mason, Meade, Menifee, Mercer, Metcalfe, Monroe, Montgomery, Morgan, Muhlenberg, Nicholas, Ohio, Owen, Pendleton, Perry, Pike, Powell, Pulaski, Robertson, Rockcastle, Rowan, Russell, Shelby, Simpson, Spencer, Taylor, Todd, Trigg, Trimble, Union, Washington, Wayne, Webster, Whitley, Wolfe, Woodford.
Counties With Ineligible Areas
Certain counties include urban zones that do not meet USDA rural definitions:
Fayette County (Lexington – completely ineligible)
Jefferson County (Louisville Metro – completely ineligible)
Daviess County (Owensboro city limits)
McCracken County (Paducah city limits)
Warren County (Bowling Green city limits)
Bullitt County (Hillview, Zoneton, Maryville, Pioneer Village, Brooks)
Scott County (Georgetown – ineligible after Oct. 1, 2023)
USDA Map Changes for 2025
The USDA updated its eligibility maps beginning October 1, 2023. If you're purchasing in 2025, make sure the property is still in an approved area based on the latest rural-area designations.
If Your Area Recently Changed Status
You may still qualify under previous rules if:
- Your loan file was submitted before the map update.
- Your signed purchase contract is dated prior to the eligibility change.
- You meet all USDA underwriting and property requirements.
Why USDA Loans Are a Strong Option in Kentucky
The USDA Rural Housing Program continues to be one of the most affordable paths to homeownership in Kentucky, offering:
- 100% Financing (No down payment required)
- Consistently low interest rates
- Reduced mortgage insurance compared to FHA
- Flexible credit requirements—ideal for first-time homebuyers
Contact a Kentucky USDA Loan Specialist
I’ve helped thousands of Kentucky buyers determine USDA eligibility and navigate the full loan process. If you have questions or want an expert review of a property, I’m here to support you.
Joel Lobb
Senior Loan Officer, NMLS #57916
- Call/Text: (502) 905-3708
- Email: kentuckyloan@gmail.com
Apply for a USDA Rural Housing Loan in Kentucky
Whether you’re buying your first home or upgrading, USDA loans offer a cost-effective, accessible route to homeownership. Begin your application today and verify the property’s eligibility below.
Check USDA Property Eligibility: Click Here
Kentucky USDA Rural Housing Map (2025)
👇 Check Your Property Address
