Lackawanna County USDA Loan

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

The areas in Lackawanna County that are not eligible for the USDA Mortgage Program can mainly be found in the region right around Scranton. This ineligible region includes the Interstate 81 corridor running up from the Luzerne County line through Scranton and up to around Dickson City. In Scranton, once you get east of the Casey Highway the county opens up as USDA eligible. West of the Scranton as you head into Scott Township or Ransom Township, the county also becomes USDA eligible again.

Outside of the Scranton metro area, the rest of Lackawanna County is geographically eligible for the Rural Development Loan program. Many people who commute to the Scranton area will be able to purchase a home just outside the city in a USDA eligible area.

The largest towns in Lackawanna County that are zoned as USDA eligible include Carbondale and Clarks Summit.

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

USDA Eligible Areas in Lackawanna County, Pennsylvania


Eligible Towns

  • Big Bass Lake

  • Carbondale

  • Chinchilla

  • Clarks Summit

  • Clifton

  • Dalton

  • Eagle Lake

  • Fleetville

  • Glenburn

  • Moscow

  • Mount Cobb

  • Quicktown

  • Simpson

  • Waverly

  • any obvious rural locations

Eligible Townships

  • Abington Township

  • Benton Township

  • Carbondale Township

  • Clifton Township

  • Covington Township

  • Elmhurst Township

  • Fell Township

  • Glenburn Township

  • Greenfield Township

  • Jefferson Township

  • La Plume Township

  • Madison Township

  • Newton Township

  • North Abington

  • Ransom Township

  • Roaring Brook Township

  • Scott Township

  • South Abington Township

  • Spring Brook Township

  • Thornhurst Township

  • Waverly Township

  • West Abington Township


Note: This list is an indicator of USDA Eligible Areas for Lackawanna 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.

Lackawanna County 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)