USDA buyer guide · Ohio
USDA loans in Johnstown, OH: what buyers should check first
Johnstown sits closest to the Intel site itself, making it a high-intent USDA search for workers who want to buy ahead of the buildout while eligibility lasts.
Is Johnstown USDA-eligible?
Not as a blanket yes. USDA eligibility is decided at the exact property point against the USDA Rural Development ineligible-area layer — not by town name, ZIP code, or school district. Expect this map to change: land closest to the plant and the US-62 corridor is the most likely to flip ineligible at review.
Income caps still apply
USDA Guaranteed loans cap household income by area and household size. As a national floor for 2026, that is roughly $112,450 for 1–4 person households and $148,450 for 5–8 — many metro-adjacent counties run higher. Confirm the current cap for Licking County before falling for a listing, because the cap counts everyone in the household, not just borrowers.
How to actually verify a Johnstown address
- Run the exact street address through the official USDA eligibility tool — the only source that counts.
- Check the current USDA income limits for Licking County and your household size.
- If the point sits near a mapped boundary, save it as verify-first and compare nearby listings before touring.
- Confirm property condition, owner-occupancy, and loan fit with a USDA-approved lender — the map is only step one.
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Where buyers look next
When Johnstown inventory is thin or a listing fails the point check, these nearby USDA search markets are the usual comparisons: