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USDA eligibility map: Kansas

About 98.8% of Kansas's area is in USDA-eligible rural areas, by HeritageDeed's estimate from USDA Rural Development's published eligibility map, the 11th highest share among the 50 states, DC and Puerto Rico. 92 of 105 counties have no ineligible area at all. 35 Census places in Kansas lie mostly inside ineligible areas, including Kansas City city, Overland Park city, Wichita city, Topeka city and Leavenworth city.

98.8%
of the area is USDA eligible (estimate)
974
square miles mapped ineligible
92 of 105
counties with no ineligible area
35
Census places mostly ineligible

Check a Kansas 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 Kansas
countyArea eligibleMostly ineligible places
Allen County100%None: the whole county is eligible
Anderson County100%None: the whole county is eligible
Atchison County100%None: the whole county is eligible
Barber County100%None: the whole county is eligible
Barton County100%None: the whole county is eligible
Bourbon County100%None: the whole county is eligible
Brown County100%None: the whole county is eligible
Butler County98.4%Andover city, El Dorado city
Chase County100%None: the whole county is eligible
Chautauqua County100%None: the whole county is eligible
Cherokee County100%None: the whole county is eligible
Cheyenne County100%None: the whole county is eligible
Clark County100%None: the whole county is eligible
Clay County100%None: the whole county is eligible
Cloud County100%None: the whole county is eligible
Coffey County100%None: the whole county is eligible
Comanche County100%None: the whole county is eligible
Cowley County100%None: the whole county is eligible
Crawford County100%None: the whole county is eligible
Decatur County100%None: the whole county is eligible
Dickinson County100%None: the whole county is eligible
Doniphan County100%None: the whole county is eligible
Douglas County92.6%Lawrence city
Edwards County100%None: the whole county is eligible
Elk County100%None: the whole county is eligible
Ellis County100%None: the whole county is eligible
Ellsworth County100%None: the whole county is eligible
Finney County100%None: the whole county is eligible
Ford County100%None: the whole county is eligible
Franklin County100%None: the whole county is eligible
Geary County100%None: the whole county is eligible
Gove County100%None: the whole county is eligible
Graham County100%None: the whole county is eligible
Grant County100%None: the whole county is eligible
Gray County100%None: the whole county is eligible
Greeley County100%None: the whole county is eligible
Greenwood County100%None: the whole county is eligible
Hamilton County100%None: the whole county is eligible
Harper County100%None: the whole county is eligible
Harvey County97.1%Newton city
Haskell County100%None: the whole county is eligible
Hodgeman County100%None: the whole county is eligible
Jackson County100%None: the whole county is eligible
Jefferson County100%None: the whole county is eligible
Jewell County100%None: the whole county is eligible
Johnson County42.8%Overland Park city, Olathe city, Shawnee city, Lenexa city, Leawood city, Prairie Village city, Merriam city, Mission city, and 7 more
Kearny County100%None: the whole county is eligible
Kingman County100%None: the whole county is eligible
Kiowa County100%None: the whole county is eligible
Labette County100%None: the whole county is eligible
Lane County100%None: the whole county is eligible
Leavenworth County92.5%Leavenworth city
Lincoln County100%None: the whole county is eligible
Linn County100%None: the whole county is eligible
Logan County100%None: the whole county is eligible
Lyon County98.5%Emporia city
Marion County100%None: the whole county is eligible
Marshall County100%None: the whole county is eligible
McPherson County100%None: the whole county is eligible
Meade County100%None: the whole county is eligible
Miami County100%None: the whole county is eligible
Mitchell County100%None: the whole county is eligible
Montgomery County100%None: the whole county is eligible
Morris County100%None: the whole county is eligible
Morton County100%None: the whole county is eligible
Nemaha County100%None: the whole county is eligible
Neosho County100%None: the whole county is eligible
Ness County100%None: the whole county is eligible
Norton County100%None: the whole county is eligible
Osage County100%None: the whole county is eligible
Osborne County100%None: the whole county is eligible
Ottawa County100%None: the whole county is eligible
Pawnee County100%None: the whole county is eligible
Phillips County100%None: the whole county is eligible
Pottawatomie County99.6%None mostly inside; part of the area is ineligible
Pratt County100%None: the whole county is eligible
Rawlins County100%None: the whole county is eligible
Reno County97.8%Hutchinson city
Republic County100%None: the whole county is eligible
Rice County100%None: the whole county is eligible
Riley County96.7%Manhattan city
Rooks County100%None: the whole county is eligible
Rush County100%None: the whole county is eligible
Russell County100%None: the whole county is eligible
Saline County94.6%Salina city
Scott County100%None: the whole county is eligible
Sedgwick County75.3%Wichita city, Derby city, Bel Aire city, Haysville city, McConnell AFB CDP, Oaklawn-Sunview CDP, Eastborough city
Seward County100%None: the whole county is eligible
Shawnee County83.2%Topeka city
Sheridan County100%None: the whole county is eligible
Sherman County100%None: the whole county is eligible
Smith County100%None: the whole county is eligible
Stafford County100%None: the whole county is eligible
Stanton County100%None: the whole county is eligible
Stevens County100%None: the whole county is eligible
Sumner County100%None: the whole county is eligible
Thomas County100%None: the whole county is eligible
Trego County100%None: the whole county is eligible
Wabaunsee County100%None: the whole county is eligible
Wallace County100%None: the whole county is eligible
Washington County100%None: the whole county is eligible
Wichita County100%None: the whole county is eligible
Wilson County100%None: the whole county is eligible
Woodson County100%None: the whole county is eligible
Wyandotte County6.5%Kansas City city, Bonner Springs city, Edwardsville city

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 Kansas, the free census tract lookup shows the income level and QCT and DDA status, and Kansas has 74 designated Opportunity Zone tracts (Opportunity Zone lookup).

Questions

Is Kansas eligible for USDA loans?

Much of it is. About 98.8% of the state's area is outside USDA's ineligible areas (974 of about 82,218 square miles are ineligible). 92 counties are entirely eligible. Most people live in the larger towns, which are often ineligible, so check the specific address.

Which Kansas counties have the least USDA eligible area?

Wyandotte County (6.5% eligible), Johnson County (42.8% eligible), Sedgwick County (75.3% eligible), Shawnee County (83.2% eligible), Leavenworth County (92.5% eligible). The share is of land area, by HeritageDeed's estimate from USDA's map; eligibility is decided for each property.

Which Kansas towns are not eligible for USDA loans?

Places USDA's map shows as mostly inside an ineligible area include Kansas City city, Overland Park city, Wichita city, Topeka city, Leavenworth city, Lawrence city, Salina city and Manhattan city. 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 Kansas 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 Kansas last updated?

The ineligible areas on USDA's map for Kansas 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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