Allegheny County USDA Mortgage


What areas of Allegheny County are eligible for the USDA Rural Development Mortgage Program?

Due to the large Pittsburgh metro area located right smack dab in the middle of the County, the majority of Allegheny County is not geographically eligible for the USDA Mortgage Program.

Surprisingly, there are sections of Allegheny County that are USDA eligible as we head away from the city. The largest region of USDA eligibility in Allegheny County can be found heading west towards Robinson Town Center area in the areas around the Airport. Some other areas of USDA Eligibility can be found west of I-79 in the North Hills, west of Route 28 heading north past Oakmont, and a small pocket down Route 51 around Elizabeth.

 
USDA Loan Map - Allegheny County PA.PNG
 

To check to see if a specific home in Allegheny County, Pennsylvania is USDA Eligible call 412-567-6560 or email USDA@keystonehomefinance.com


By William Campbell - This image is available from the United States Library of Congress's Prints and Photographs division under the digital ID pga.03157. See Commons:Licensing for more information., Public Domain, https://commons.wikimedia.org/w/index.php?curid=4472657

By William Campbell - This image is available from the United States Library of Congress's Prints and Photographs division under the digital ID pga.03157. See Commons:Licensing for more information., Public Domain, https://commons.wikimedia.org/w/index.php?curid=4472657


USDA Eligible Areas in Allegheny County, Pennsylvania

 

Allegheny - Western area (west and just south of the Airport)

  • Beechcliff

  • Enlow

  • Oakdale

  • Noblestown

  • McDonald

  • Morgan

  • North Fayette Township

  • Clinton

Areas in the Southeast just south of Route 51 past Elizabeth

  • Boston

  • Bunola

  • Douglass

  • Elkhorn

  • Forward Township

  • Hilldale

  • Lincoln

  • Mustard

  • Smithdale

  • Vista

Areas just North of Route 65 and the Ohio River and West of I-79

  • Bell Acres

  • Duff City

  • Edgeworth

  • Marshall Township

  • Pinehurst

  • Sewickley

  • Sewickley Hills

  • Leetsdale

  • Leets Township

Other areas North including areas North of the PA turnpike and West of Route 28

  • Allegheny Acres

  • Bairdford

  • Bakerstown

  • Curtisville

  • Fawn Township

  • Frazer Township

  • Harmar Heights

  • Pine Township

  • Russelton

  • Rural Ridge

Note: This list is an indicator of USDA Eligible Areas for the County but does not necessarily include every possible eligible area. If you do not see your town listed, Feel Free to Call Us to double check. If you are in an obvious rural area of Allegheny County and do not see your town listed above, you are probably in a USDA Eligible Area.

 

Allegheny County USDA Household Income Limits 

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If your Household Income exceeds the figures above you may still be able to fit within the Income limits. The USDA allows for several deductions which may allow your Household Income to fit within their Maximum Adjusted Income Guidelines.   

Deductions to reduce your USDA Household Income Calculation

 
  • $480 for each minor child living in the household

  • $480 for any student living in the household who is not on the mortgage application

  • $400 for each disabled household member who is not on the mortgage application

  • Documented Child Care Expenses for household members under the age of 13

  • Documented Medical/Disability Expenses for household members age 62 or older (this deduction is allowable if the expense exceeds 3% of the household income)