Monroe County Pennsylvania USDA Loan

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

The USDA has zoned all of Monroe County as eligible for their USDA Rural Development Loan. Now eligible for the USDA loan is the largest town of East Stroudsburg and the county seat of Stroudsburg. This is an update from previous versions of the the USDA Eligibility Map that had Stroudsburg and East Stroudsburg zoned as ineligible. All areas of Monroe County are now geographically eligible for the USDA Mortgage Program.

Some of the other larger towns of Monroe County, Pennsylvania that are eligible for a USDA loan include Arlington Heights, Sierra View, Penn Estates, Indian Mountain Lake, Saw Creek, Mount Pocono, Emerald Lakes, Sun Valley, Effort, Brodheadsville, and Pocono Pines.

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

USDA Eligible Areas in Monroe County, Pennsylvania


USDA Eligible Towns

  • Alexander Springs

  • Alfarata

  • Allensville

  • Anderson

  • Arlington Heights

  • Atkinson Mills

  • Barrville

  • Belleville

  • Belltown

  • Brodheadsville

  • Burnham

  • Church Hill

  • Cedar Hill

  • Colonial Hills

  • Decatur

  • Effort

  • Emerald Lakes

  • Fairview

  • Garden View

  • Gouldsboro

  • Granville

  • Hawstone

  • Highland Park

  • Honey

  • Honey Creek

  • Horningford

  • Indian Mountain Lake 

  • Juniata Terrace

  • Kishacoquillas

  • Kistler

  • Klondyke

  • Knobville

  • Lewistown

  • Lewistown Junction

  • Little Kansas

  • Locke Mills

  • Lockport

  • Longfellow

  • Lucy Furnace

  • Lumber City

  • Maitland

  • Mattawana

  • McVeytown

  • Mechanicsville

  • Menno

  • Milroy

  • Mount Rock

  • Mount Pleasant

  • Mountainhome

  • Naginey

  • Newton Hamilton

  • Paintersville

  • Penn Estates

  • Pine Glen

  • Pocono Pines

  • Rager Summit

  • Reedsville

  • Rockville

  • Roseann

  • Ryde

  • Saw Creek 

  • Saylorsburg

  • Shawnee

  • Shindle

  • Shrader

  • Sierra View

  • Siglerville

  • Silver Ford Heights

  • Snook

  • Soradoville

  • Strodes Mills

  • Sun Valley

  • Swiftwater

  • Tobyhanna

  • Union Mills

  • Vineyard

  • Vira

  • Wagner

  • Woodland

  • Yeagertown

  • all other areas

USDA Eligible Townships

  • Barrett Township

  • Chestnuthill Township

  • Coolbaugh Township

  • Eldred Township

  • Hamilton Township

  • Jackson Township

  • Middle Smithfield Township

  • Paradise Township

  • Pocono Township

  • Polk Township

  • Price Township

  • Ross Township

  • Smithfield Township

  • Stroud Township

  • Tobyhanna Township

  • Tunkhannock Township


Note: This list is an indicator of USDA Eligible Areas for Monroe 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. All of Monroe County, Pennsylvania is located in a USDA Eligible Area.

Monroe 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)