Check household income
USDA program income can include adults who will occupy the home, not only borrowers.
Understand income limitsFree exact-address precheck
Check the address before you tour.
See whether a property point intersects the public USDA Rural Development ineligible-area layer, then follow the right next steps.
Ready when you are
Your result will show the matched address, source, timestamp, and what to verify next.
My property workspace
Save up to 50 checked properties and compare the evidence behind each result.
No saved properties yet. Run a check above, then choose “Save to workspace.”
We email only when the monitored USDA eligibility-map source changes. Recheck and officially verify every saved property after an alert. Workspace records expire after 365 days of inactivity.
A location result is only Filter 1
Review the property
Property type, occupancy, appraisal, condition, and lender requirements still apply.
Review property rulesTalk to a fluent lender
An approved lender reviews the complete borrower and property file and obtains USDA commitment.
Interview a lenderHow this address check works
Resolve the point
The U.S. Census Geocoder matches your street address to an exact coordinate and reports the match quality.
Test the USDA layer
The point is tested against the public USDA Rural Development ineligible-area layer — the same geography behind the official map.
Show the evidence
You get the matched address, source layer, and timestamp, plus a one-click path to verify on USDA's official site.
USDA eligibility is decided at the exact property point, not by town, ZIP, or county. The map is redrawn periodically, so treat every result as a dated observation and verify officially before you act. Full method notes are on the sources & methodology page.
Address-check questions, answered
Is this the official USDA eligibility map?
No. The official property-eligibility tool is USDA's own site at eligibility.sc.egov.usda.gov, and only USDA Rural Development or an approved lender can make an eligibility determination. This checker is an independent preliminary screen of the same public USDA ineligible-area layer — use it to shortlist addresses before you verify officially.
How does the USDA eligibility address check work?
The tool resolves your address to an exact coordinate with the U.S. Census Geocoder, then tests that point against the public USDA Rural Development ineligible-area map layer. If the point does not intersect the layer, the address appears eligible by location. Every result shows the matched address, the source layer, and a timestamp so you can verify it.
What does "appears eligible by location" actually mean?
It means the resolved point did not intersect the mapped USDA ineligible area at the time of the check. Location is only the first of four USDA filters — household income, borrower qualification, and property requirements still apply, and USDA or an approved lender makes the final call.
Why do I need the exact street address instead of a town or ZIP?
USDA eligibility is decided at the property point, and the boundary can split a single road — one side qualifies, the other does not. A town name, mailing city, school district, or ZIP code is not evidence for any specific property. USDA also redraws the map periodically, so growth areas can lose eligibility.
Does the checker save my address?
Only if you choose "Save to workspace." Saved properties live under a random workspace key on your device, can be exported or erased at any time, and expire after 365 days of inactivity. A plain check is not tied to your identity.
Popular USDA market guides
Get the four-filter guide free
Chapter 1 explains what a positive location result does—and does not—tell you.
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