USDA Loans in York County, Maine
Nearly every town in York County qualifies for USDA $0 down financing. Here's your complete guide to USDA Rural Development loans in York County for 2026 — eligible towns, income limits, and how to qualify.
About York County
Maine's southernmost county and gateway from Massachusetts and New Hampshire. A mix of beach towns, suburban communities, and the growing Sanford-Springvale industrial area.
The most popular commute county for Maine residents working in the NH seacoast (Portsmouth) or southern Maine. Kittery, Eliot, and Berwick are especially popular with military and shipyard workers.
USDA eligibility in York County
Biddeford, Saco, and Sanford city cores are excluded. Most other York County towns — Kittery, Eliot, South Berwick, Berwick, Wells, Kennebunk, York (inland parts), Buxton, Hollis, Lyman, Alfred, Shapleigh, Waterboro — are USDA-eligible.
Notable towns that commonly qualify
Biddeford, Saco, Sanford, Kittery, Kennebunk, Kennebunkport, Wells, Ogunquit, York, Old Orchard Beach, South Berwick, Berwick, Eliot, Buxton.
Portland metro bonus: Because York County is part of the Portland-South Portland-Biddeford metropolitan statistical area, USDA uses a higher income limit here than in most of Maine — $128,650 for a 1–4 person household and $169,800 for 5–8 people. If your household is near the standard cap, this metro boost can make the difference.
2026 USDA income limits — York County
Your total household income must be at or below these limits to qualify for a USDA Guaranteed loan:
| Household Size | Income Limit |
|---|---|
| 1–4 people | $128,650 |
| 5–8 people | $169,800 |
Based on 2025–2026 USDA Rural Development data. Limits are reviewed annually. USDA income limits count all adults in the household, not just applicants on the loan. Allowed deductions for dependents, childcare, and medical expenses can significantly lower your qualifying income. See the full income limits guide.
Home prices in York County
York is one of three Maine counties with higher USDA income limits — 1–4 person cap is $128,650. USDA eligibility combined with the metro income cap makes this one of Maine's most strategic USDA markets.
What a USDA loan looks like in York County
- $0 down payment — 100% financing on an eligible York County home
- 0.35% annual mortgage insurance — less than half of FHA's 0.85%
- Seller concessions up to 6% — closing costs can often be covered entirely by the seller in this market
- Credit score 620+ typically required; some lenders flex to 580 with compensating factors
- Primary residence only — no investment properties or second homes
Is your York County target property eligible?
I'll run your specific address through the USDA eligibility check and walk you through what a $0 down loan looks like on that house.
Check My Eligibility →Frequently asked questions
Is my town in York County USDA-eligible?
Most of York County qualifies. The definitive check is USDA's official map at eligibility.sc.egov.usda.gov — enter the specific property address. Or send me the address and I'll check for you.
What's the difference between USDA and FHA in York County?
USDA beats FHA on monthly cost almost every time when both are available — no down payment (vs. 3.5%) and much lower mortgage insurance. See the full USDA vs. FHA comparison.
How long does a USDA loan take to close in York County?
Typically 30–45 days from signed purchase agreement. Slightly longer than FHA or conventional because USDA adds its own final approval step after the lender approves the file.