Luzerne County USDA Loan

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

In Luzerne County, there are two separate areas that are not geographically eligible for the USDA Rural Development Loan program. Both areas that are ineligible are on the Interstate 81 corridor; Hazleton and the Wilkes-Barre area extending up I-81 to the Scranton area on the Lackawanna County border. Running north on I-81 once you leave Hazleton, the area is USDA eligible until you reach the Wilkes-Barre metro area starting around the Route 29 exit for Nanticoke.

All of Luzerne County away from Interstate 81 is eligible for the No Down Payment USDA Mortgage Program.

Some of the larger towns in Luzerne County, Pennsylvania that are eligible for a USDA loan include Freeland, Harleigh, Mountain Top, Dallas, Drums, Plymouth, and parts of Nanticoke.

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

USDA Eligible Areas in Luzerne County, Pennsylvania

  • Back Mountain

  • Bear Creek Village

  • Beech Mountain Lakes

  • Browns

  • Browntown

  • Chase

  • Conyngham

  • Courtdale

  • Dallas

  • Drifton

  • Druid Hills

  • East Berwick

  • Freeland

  • Georgetown

  • Glen Lyon

  • Gregory

  • Hanover

  • Happy Valley

  • Harleigh

  • Harveys Lake

  • Hickory Hills

  • Hughestown

  • Humboldt

  • Idetown

  • Jeddo

  • Laketon

  • Larksville

  • Lattimer

  • Miners Mills

  • Mocanaqua

  • Mountain Top

  • Nescopeck

  • New Columbus

  • Nuangola

  • Pardeesville

  • Penn Lake Park

  • Pikes Creek

  • Plymouth (parts)

  • Shavertown

  • Shawanese

  • Sheatown

  • Shickshinny

  • Silkworth

  • Trucksville

  • Upper Exeter

  • Wanamie

  • West Nanticoke

  • West Pittston

  • West Wyoming

  • Weston

  • White Haven

  • Woodside

  • Wordan Place

  • 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.

Luzerne County USDA Household Income Limits 

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If your Income exceeds the listed figures, 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)