Northampton County USDA Loan

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

As expected, the heavily populated region running from Bethlehem to Easton along the the Route 22 and Interstate 78 corridor is not eligible for USDA Financing.  Just north of Route 22 and just south of I-78, the entire county of Northampton does become USDA Eligible.

The largest towns in Northampton County that are eligible for a USDA loan include Nazareth, Hellertown, Bangor, and Pen Argyl.


South of I-78 and shortly North of Route 22 Northampton opens up as USDA Eligible


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

USDA Eligible Areas in Northampton County, Pennsylvania

  • Ackermanville

  • Alpha

  • Bangor

  • Bath

  • Bayard Park

  • Belfast

  • Bushkill Township

  • Chapman

  • Cherryville

  • Coffeetown

  • East Bangor

  • East Hills

  • Eastlawn Gardens

  • Hecktown

  • Hellertown

  • Klecknersville

  • Lehigh Township

  • Leithsville

  • Lower Mount Bethel Township

  • Lower Saucon

  • Lower Saucon Township

  • Macada

  • Martins Creek

  • Moore Township

  • Nazareth

  • Palmer Heights

  • Pen Argyl

  • Plainfield Township

  • Portland

  • Raubsville

  • Roseto

  • Shimersville

  • South Terrace

  • Stockertown

  • Tatamy

  • Upper Mount Bethel Township

  • Walnutport

  • Washington Township

  • Williams Township

  • Wind Gap

  • all other 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.

Northampton County USDA Household Income Limits 

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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)