Chester County Pennsylvania USDA Loan

What areas of Chester County are eligible for the USDA Mortgage Program?

As expected, the areas in Chester County that are restricted from this program can mainly be found in the eastern portions of the county closer to Philadelphia and portions of the populated Route 30 corridor running from Berwyn through Coatesville.  Once you travel west of Coatesville, the rest of Chester County opens up as geographically eligible for the No Down Payment USDA Program. You don’t have to travel too far north or south of the Route 30 corridor to reach USDA Eligible areas. Large portions of Chester County, including Kennett Square and Oxford, are in a USDA eligible area.


The Route 30 Corridor and the eastern part of Chester County approaching the Philadelphia metro area is Not Eligible for USDA Financing. The rest of Chester County is eligible.


To check to see if a specific home in Chester County, Pennsylvania is USDA Eligible call 717-745-8380 or email

USDA Eligible Areas in Chester County, Pennsylvania

  • Atglen

  • Avondale

  • Chester Springs

  • Cochranville

  • Elverson

  • Honeybrook

  • Hopewell

  • Kemblesville

  • Kelton

  • Kennett Square

  • Landenberg

  • Lewisville

  • Marlboro

  • Mendenhall

  • New London

  • New London Township

  • Nottingham

  • Oxford

  • Parkesburg

  • Pocopson

  • Pomeroy

  • Sadsburyville

  • Sconnelltown

  • Spring City

  • Steelville

  • Strickersville

  • Talcose

  • Toughkenamon

  • Wagontown

  • West Grove

  • Willowdale

  • any obvious rural locations


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 contact us to double check. If you are in a rural area and do not see your town listed above, you are in a USDA Eligible Area.

Chester County Pennsylvania USDA Household Income Limits 

Income table.png

If your Income exceeds the figures listed here, you may still qualify. 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)