Indiana County Pennsylvania USDA Loan

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

The USDA has zoned ALL of Indiana County as geographically eligible for their USDA Rural Development Loan. The largest towns in Indiana County, Pennsylvania that are eligible for a USDA loan include Blairsville, Homer City, Clymer and the county seat of Indiana. All areas of Indiana County are geographically eligible for the No Down Payment USDA Mortgage Program.

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

USDA Eligible Areas in Indiana County, Pennsylvania


Eligible Towns

  • Alverda

  • Arcadia

  • Armagh

  • Aultman

  • Beyer

  • Black Lick

  • Blairsville

  • Brush Valley

  • Chambersville

  • Cherry Tree

  • Clarksburg

  • Clune

  • Clymer

  • Commodore

  • Coral

  • Creekside

  • Dilltown

  • Dixonville

  • Ernest

  • Gipsy

  • Glen Campbell

  • Graceton

  • Heilwood

  • Hillsdale

  • Homer City

  • Indiana

  • Josephine

  • Kent

  • Lucernemines

  • Marchand

  • Marion Center

  • McIntyre

  • Mentcle

  • Northpoint

  • Penn Run

  • Plumville

  • Robinson

  • Rochester Mills

  • Rossiter

  • Saltsburg

  • Shelocta

  • Smicksburg

  • Starford

  • Strongstown

  • Waterman

  • West Lebanon

  • all other areas

Eligible Townships

  • Armstrong Township

  • Banks Township

  • Black Lick Township

  • Brush Valley Township

  • Buffington Township

  • Burrell Township

  • Canoe Township

  • Center Township

  • Cherryhill Township

  • Conemaugh Township

  • East Mahoning Township

  • East Wheatfield Township

  • Grant Township

  • Green Township

  • Montgomery Township

  • North Mahoning Township

  • Pine Township

  • Rayne Township

  • South Mahoning Township

  • Washington Township

  • West Mahoning Township

  • West Wheatfield Township

  • White Township

  • Young Township


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.

Indiana County Pennsylvania USDA Household Income Limits 

appetizer (5).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)