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USDA eligibility map: Indiana

About 91.8% of Indiana's area is in USDA-eligible rural areas, by HeritageDeed's estimate from USDA Rural Development's published eligibility map, the 39th highest share among the 50 states, DC and Puerto Rico. 65 of 92 counties have no ineligible area at all, and Marion County is entirely ineligible. 125 Census places in Indiana lie mostly inside ineligible areas, including Indianapolis city (balance), Gary city, Evansville city, Portage city and Carmel city.

91.8%
of the area is USDA eligible (estimate)
2,982
square miles mapped ineligible
65 of 92
counties with no ineligible area
125
Census places mostly ineligible

Check a Indiana address

USDA eligible area by county

The share of each county's area that is USDA eligible, and the places (cities, towns and census-designated places) at least half inside ineligible areas. These are estimates; check any single property with the lookup.

USDA eligible share of area and mostly ineligible places by county in Indiana
countyArea eligibleMostly ineligible places
Adams County100%None: the whole county is eligible
Allen County56.2%Fort Wayne city, New Haven city, Leo-Cedarville town, Hessen Cassel CDP, Maples CDP
Bartholomew County85.5%Columbus city, Walesboro CDP, Bethel Village CDP
Benton County100%None: the whole county is eligible
Blackford County100%None: the whole county is eligible
Boone County89.8%Lebanon city, Ulen town
Brown County100%None: the whole county is eligible
Carroll County100%None: the whole county is eligible
Cass County100%None: the whole county is eligible
Clark County87.7%Jeffersonville city, Clarksville town
Clay County100%None: the whole county is eligible
Clinton County100%None: the whole county is eligible
Crawford County100%None: the whole county is eligible
Daviess County100%None: the whole county is eligible
Dearborn County99.9%West Harrison town
Decatur County100%None: the whole county is eligible
DeKalb County100%None: the whole county is eligible
Delaware County87.0%Muncie city
Dubois County100%None: the whole county is eligible
Elkhart County73.2%Elkhart city, Goshen city, Dunlap CDP, Simonton Lake CDP
Fayette County100%None: the whole county is eligible
Floyd County82.7%New Albany city
Fountain County100%None: the whole county is eligible
Franklin County100%None: the whole county is eligible
Fulton County100%None: the whole county is eligible
Gibson County100%None: the whole county is eligible
Grant County88.0%Marion city
Greene County100%None: the whole county is eligible
Hamilton County52.4%Carmel city, Fishers city, Noblesville city, Westfield city, Riverwood CDP
Hancock County75.9%Greenfield city, McCordsville town, Philadelphia CDP, Spring Lake town
Harrison County100%None: the whole county is eligible
Hendricks County71.3%Plainfield town, Avon town, Brownsburg town, Danville town
Henry County100%None: the whole county is eligible
Howard County83.2%Kokomo city
Huntington County100%None: the whole county is eligible
Jackson County100%None: the whole county is eligible
Jasper County100%None: the whole county is eligible
Jay County100%None: the whole county is eligible
Jefferson County100%None: the whole county is eligible
Jennings County100%None: the whole county is eligible
Johnson County77.3%Greenwood city, Franklin city, Whiteland town, New Whiteland town
Knox County100%None: the whole county is eligible
Kosciusko County100%None: the whole county is eligible
LaGrange County100%None: the whole county is eligible
Lake County33.8%Gary city, Merrillville town, Hobart city, Hammond city, Crown Point city, Schererville town, East Chicago city, St. John town, and 13 more
LaPorte County80.8%Michigan City city, La Porte city, Trail Creek town, Long Beach town, Michiana Shores town, Pottawattamie Park town, Duneland Beach CDP
Lawrence County100%None: the whole county is eligible
Madison County90.1%Anderson city, Edgewood town, Country Club Heights town, Woodlawn Heights town, River Forest town
Marion County0%Indianapolis city (balance), Lawrence city, Speedway town, Beech Grove city, Cumberland town, Meridian Hills town, Clermont town, Southport city, and 8 more
Marshall County100%None: the whole county is eligible
Martin County100%None: the whole county is eligible
Miami County100%None: the whole county is eligible
Monroe County87.0%Bloomington city
Montgomery County100%None: the whole county is eligible
Morgan County100%None: the whole county is eligible
Newton County100%None: the whole county is eligible
Noble County100%None: the whole county is eligible
Ohio County100%None: the whole county is eligible
Orange County100%None: the whole county is eligible
Owen County100%None: the whole county is eligible
Parke County100%None: the whole county is eligible
Perry County100%None: the whole county is eligible
Pike County100%None: the whole county is eligible
Porter County45.5%Portage city, Valparaiso city, Chesterton town, Burns Harbor town, Porter town, Beverly Shores town, Wheeler CDP, South Haven CDP, and 7 more
Posey County100%None: the whole county is eligible
Pulaski County100%None: the whole county is eligible
Putnam County100%None: the whole county is eligible
Randolph County100%None: the whole county is eligible
Ripley County100%None: the whole county is eligible
Rush County100%None: the whole county is eligible
Scott County100%None: the whole county is eligible
Shelby County93.6%Shelbyville city
Spencer County100%None: the whole county is eligible
St. Joseph County58.8%South Bend city, Granger CDP, Mishawaka city, Chain-O-Lakes CDP, Ardmore CDP, Osceola town, Notre Dame CDP, Gilmer Park CDP, and 2 more
Starke County100%None: the whole county is eligible
Steuben County100%None: the whole county is eligible
Sullivan County100%None: the whole county is eligible
Switzerland County100%None: the whole county is eligible
Tippecanoe County86.6%Lafayette city, West Lafayette city
Tipton County100%None: the whole county is eligible
Union County100%None: the whole county is eligible
Vanderburgh County38.8%Evansville city, Highland CDP, Melody Hill CDP
Vermillion County100%None: the whole county is eligible
Vigo County74.3%Terre Haute city, North Terre Haute CDP, Prairieton CDP
Wabash County100%None: the whole county is eligible
Warren County100%None: the whole county is eligible
Warrick County93.9%Newburgh town
Washington County100%None: the whole county is eligible
Wayne County87.3%Richmond city, Spring Grove town
Wells County100%None: the whole county is eligible
White County100%None: the whole county is eligible
Whitley County100%None: the whole county is eligible

How USDA decides what is rural

The rural-area definition is section 520 of the Housing Act of 1949 (42 U.S.C. 1490): open country and places not part of or associated with an urban area with up to 2,500 people, up to 10,000 if rural in character, or up to 20,000 outside a metropolitan statistical area with a serious lack of mortgage credit for lower and moderate-income families. Areas that lost rural status in the 1990 to 2020 censuses stay rural until 2030 census data arrive if they have 10,000 to 35,000 people and meet the same conditions. Income is a separate test, applied to the household by the lender and USDA.

For other address-level designations in Indiana, the free census tract lookup shows the income level and QCT and DDA status, and Indiana has 156 designated Opportunity Zone tracts (Opportunity Zone lookup).

Questions

Is Indiana eligible for USDA loans?

Much of it is. About 91.8% of the state's area is outside USDA's ineligible areas (2,982 of about 36,150 square miles are ineligible). 65 counties are entirely eligible. Most people live in the larger towns, which are often ineligible, so check the specific address.

Which Indiana counties have the least USDA eligible area?

Marion County (0% eligible), Lake County (33.8% eligible), Vanderburgh County (38.8% eligible), Porter County (45.5% eligible), Hamilton County (52.4% eligible). The share is of land area, by HeritageDeed's estimate from USDA's map; eligibility is decided for each property.

Which Indiana towns are not eligible for USDA loans?

Places USDA's map shows as mostly inside an ineligible area include Indianapolis city (balance), Gary city, Evansville city, Portage city, Carmel city, Fort Wayne city, South Bend city and Plainfield town. The county table on this page lists every place that is mostly ineligible. Edges matter: part of a town, or land just outside it, can be on the other side of the line, so check the address.

How do I check a Indiana address for USDA eligibility?

Enter the street address in the lookup on this page. It locates the address and checks it against USDA's published rural eligibility map. It is a screening: Rural Development makes the final determination on a complete application, and household income is a separate test (USDA's income eligibility tool).

When was the USDA eligibility map for Indiana last updated?

The ineligible areas on USDA's map for Indiana carry an effective date of July 25, 2023. USDA updates the map from ineligible-area changes sent in by its state offices. The statute keeps formerly rural areas of 10,000 to 35,000 people rural until data from the 2030 census arrive, if they still meet its conditions.

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Legal references

Areas are computed by HeritageDeed: estimates, not USDA figures. USDA's map is not a final determination; Rural Development decides on a complete application. HeritageDeed is not affiliated with USDA.

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