Mercer County Pennsylvania USDA Loan

What areas of Mercer are eligible for the USDA Mortgage Program?

The only section of Mercer County that is not geographically eligible for the USDA Mortgage Program are the Boroughs of Sharon, Hermitage, Sharpsville, Wheatland and Farrell.  The U.S. Census Bureau has included these five boroughs in the larger Youngstown-Warren-Boardman metropolitan statistical area. Outside of this patch, the rest of Mercer County is geographically eligible for the the USDA Mortgage Program.

The largest towns in Mercer County, Pennsylvania that are eligible for a USDA loan include Grove City, Greenville, Reynolds Heights, and the county seat of Mercer.

To check to see if a specific home in Mercer County, Pennsylvania is USDA Eligible call 412-567-6560 or email

The only area of Mercer County that is not eligible for the USDA Mortgage Program is the square around the Hermitage area.

USDA Eligible Areas in Mercer County, Pennsylvania


Eligible Towns

  • Amsterdam

  • Bethel

  • Big Bend

  • Blacktown

  • Bowie

  • Broad Acres

  • Carbon

  • Carlton

  • Carmona

  • Centertown

  • Charleston

  • Clark

  • Clarks Mills

  • Cool Spring

  • Courtneys Mills

  • Delaware Grove

  • Donner Crossroads

  • Drake

  • Dutch Hill

  • Enterprise

  • Fairview

  • Filer Corners

  • Five Points

  • Furnace Hill

  • Fredonia

  • Greencrest Park

  • Greenfield

  • Greenville

  • Grove City

  • Hadley

  • Hann Hill

  • Heath

  • Hendersonville

  • Henlein

  • Hickory Corners

  • Hoagland

  • Hope Mills

  • Indian Run

  • Irishtown

  • Jackson Center

  • Jamestown

  • Kashner

  • Kennard

  • Kerrs Corners

  • Kilgore

  • Kremis

  • Lake Latonka

  • Leesburg

  • Leesburg Station

  • London

  • Lyle

  • Maysville

  • McCoytown

  • Mercer

  • Millbrook

  • Millburn

  • Milledgeville

  • Neshannock

  • New Hamburg

  • New Lebanon

  • New Vernon

  • New Virginia

  • North Liberty

  • North Mills

  • North Sandy

  • Oakland

  • Oniontown

  • Osborn

  • Osgood

  • Pardoe

  • Patagonia

  • Petersburg

  • Reeds Furnace

  • Reynolds Heights

  • Salem

  • Sandy Lake

  • Shenango

  • Sheakleyville

  • Springfield Falls

  • Stoneboro

  • Sunol

  • Transfer

  • Turner

  • Valcourt

  • West Middlesex

  • any obvious rural locations

Eligible Townships

  • Coolsprings Township

  • Deer Creek Township

  • Delaware Township

  • East Lackawannock Township

  • Fairview Township

  • Findley Township

  • French Creek Township

  • Greene Township

  • Hempfield Township

  • Jackson Township

  • Jefferson Township

  • Lackawannock Township

  • Lake Township

  • Liberty Township

  • Mill Creek Township

  • New Vernon Township

  • Otter Creek Township

  • Perry Township

  • Pine Township

  • Pymatuning Township

  • Salem Township

  • Sandy Creek Township

  • Sandy Lake Township

  • Shenango Township

  • South Pymatuning Township

  • Springfield Township

  • Sugar Grove Township

  • West Salem Township

  • Wilmington Township

  • Wolf Creek Township

  • Worth Township 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.

Mercer County USDA Household Income Limits 

Income table.png

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)