KENTUCKY USDA RURAL HOUSING ELIGIBILITY MAP FOR 2025

How to Check USDA Eligibility in Kentucky Wondering if a property is eligible for a USDA Rural Development loan? It’s easy to find out! Follow these steps: Visit the USDA Eligibility Map: Go to the official USDA eligibility website at USDA Property Eligibility. Enter the Property Address: Type in the full address of the property you’re interested in to check its eligibility. Review the Map: The tool will display whether the property is in an eligible rural area or not. Pro Tip: Properties outside of major metropolitan areas or densely populated cities are typically eligible. Still, some urban fringe areas still qualify. USDA Property Eligibility in Kentucky by County Here’s a list of counties in Kentucky where USDA loans are available. Counties that are entirely USDA-eligible are listed without extra notes. Counties with partially ineligible areas are noted for your reference. 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. Fully Eligible Counties Properties in these Kentucky counties are fully USDA-eligible: Counties with Ineligible Areas Some counties in Kentucky have urban or suburban areas that are not USDA-eligible. These areas include: 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 and surrounding areas) Scott County (Georgetown city limits – ineligible after Oct. 1, 2023) Changes to USDA Eligibility in 2025 Starting October 1, 2023, the USDA updated its rural area maps to reflect changes in eligibility. If you're applying for a USDA loan in 2025, ensure the property you’re interested in is in an eligible area. Verify this based on the updated maps. Key Notes for Applications During Map Changes If you are purchasing a property in an area recently marked as ineligible (e.g., parts of Georgetown, KY), you may still qualify if: Your loan application was submitted before the map change date. You have a signed purchase contract dated prior to the map update. You meet all other USDA loan requirements. What Makes USDA Loans in Kentucky a Great Choice? The USDA Rural Housing Loan Program offers several advantages, especially for homebuyers in qualifying rural areas: No Down Payment: USDA loans provide 100% financing. Low Interest Rates: Often lower than conventional or FHA loans. Reduced Mortgage Insurance: Keeps monthly payments affordable. Flexible Credit Requirements: Perfect for first-time buyers or those with lower credit scores. Contact a Kentucky USDA Loan Specialist If you're ready to explore USDA loan options or have questions about property eligibility in Kentucky, I’m here to help. I have over 20 years of experience. I specialize in USDA loans. I can guide you through the entire process, from eligibility checks to final approval. Contact Information Joel Lobb Senior Loan Officer (NMLS# 57916) Call/Text: (502) 905-3708 Email: kentuckyloan@gmail.com Apply Today for a USDA Rural Housing Loan Homeownership is closer than you think with the USDA loan program! Whether you’re buying your first home or upgrading, USDA loans provide an affordable and accessible path to homeownership in Kentucky. Start your application today and let us help you find the perfect property in an eligible USDA area. Visit the USDA Eligibility Map: Check Property Eligibility Kentucky USDA Rural Housing Map for 2025, USDA property eligibility, and USDA qualifying areas in Kentucky.       CLICK ON LINK BELOW AND INPUT ADDRESS INTO BAR AND IT WILL TELL YOU IF HOME IS IN AN ELIGIBLE USDA RURAL HOUSING AREA IN KENTUCKY 👇 enter address below: 👇👇👇👇 Joel Lobb (NMLS#57916) Senior  Loan Officer Text/call 502-905-3708 kentuckyloan@gmail.com If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708. Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant  Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/ Call TOLL FREE to speak with a USDA Loan Specialist 502-905-3708