Title reports $49 · others $100–$400See prices
HeritageDeed
Order

USDA eligibility map: Missouri

About 96.4% of Missouri's area is in USDA-eligible rural areas, by HeritageDeed's estimate from USDA Rural Development's published eligibility map, the 26th highest share among the 50 states, DC and Puerto Rico. 95 of 115 counties have no ineligible area at all, and St. Louis city is entirely ineligible. 188 Census places in Missouri lie mostly inside ineligible areas, including St. Louis city, Wildwood city, Kansas City city, O'Fallon city and Springfield city.

96.4%
of the area is USDA eligible (estimate)
2,534
square miles mapped ineligible
95 of 115
counties with no ineligible area
188
Census places mostly ineligible

Check a Missouri 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 Missouri
countyArea eligibleMostly ineligible places
Adair County100%None: the whole county is eligible
Andrew County99.7%None mostly inside; part of the area is ineligible
Atchison County100%None: the whole county is eligible
Audrain County100%None: the whole county is eligible
Barry County100%None: the whole county is eligible
Barton County100%None: the whole county is eligible
Bates County100%None: the whole county is eligible
Benton County100%None: the whole county is eligible
Bollinger County100%None: the whole county is eligible
Boone County87.1%Columbia city
Buchanan County86.9%St. Joseph city
Butler County100%None: the whole county is eligible
Caldwell County100%None: the whole county is eligible
Callaway County99.4%None mostly inside; part of the area is ineligible
Camden County100%None: the whole county is eligible
Cape Girardeau County90.9%Cape Girardeau city, Jackson city
Carroll County100%None: the whole county is eligible
Carter County100%None: the whole county is eligible
Cass County87.4%Raymore city, Belton city, Lake Winnebago city, Loch Lloyd village, Riverview Estates village
Cedar County100%None: the whole county is eligible
Chariton County100%None: the whole county is eligible
Christian County91.8%Ozark city, Nixa city, Fremont Hills city
Clark County100%None: the whole county is eligible
Clay County66.0%Liberty city, Gladstone city, North Kansas City city, Claycomo village, Pleasant Valley city, Birmingham village, Randolph village, Glenaire city, and 5 more
Clinton County100%None: the whole county is eligible
Cole County83.4%Jefferson City city
Cooper County100%None: the whole county is eligible
Crawford County100%None: the whole county is eligible
Dade County100%None: the whole county is eligible
Dallas County100%None: the whole county is eligible
Daviess County100%None: the whole county is eligible
DeKalb County100%None: the whole county is eligible
Dent County100%None: the whole county is eligible
Douglas County100%None: the whole county is eligible
Dunklin County100%None: the whole county is eligible
Franklin County100%None: the whole county is eligible
Gasconade County100%None: the whole county is eligible
Gentry County100%None: the whole county is eligible
Greene County61.3%Springfield city, Republic city, Battlefield city
Grundy County100%None: the whole county is eligible
Harrison County100%None: the whole county is eligible
Henry County100%None: the whole county is eligible
Hickory County100%None: the whole county is eligible
Holt County100%None: the whole county is eligible
Howard County100%None: the whole county is eligible
Howell County100%None: the whole county is eligible
Iron County100%None: the whole county is eligible
Jackson County26.6%Kansas City city, Independence city, Lee's Summit city, Blue Springs city, Grandview city, Sugar Creek city, Lake Lotawana city, Raytown city, and 6 more
Jasper County89.7%Joplin city, Webb City city, Carterville city, Airport Drive village, Duquesne village
Jefferson County80.5%Arnold city, Imperial CDP, Festus city, Pevely city, Crystal City city, Herculaneum city, Murphy CDP, High Ridge CDP, and 4 more
Johnson County100%None: the whole county is eligible
Knox County100%None: the whole county is eligible
Laclede County100%None: the whole county is eligible
Lafayette County100%None: the whole county is eligible
Lawrence County100%None: the whole county is eligible
Lewis County100%None: the whole county is eligible
Lincoln County100%None: the whole county is eligible
Linn County100%None: the whole county is eligible
Livingston County100%None: the whole county is eligible
Macon County100%None: the whole county is eligible
Madison County100%None: the whole county is eligible
Maries County100%None: the whole county is eligible
Marion County100%None: the whole county is eligible
McDonald County100%None: the whole county is eligible
Mercer County100%None: the whole county is eligible
Miller County100%None: the whole county is eligible
Mississippi County100%None: the whole county is eligible
Moniteau County100%None: the whole county is eligible
Monroe County100%None: the whole county is eligible
Montgomery County100%None: the whole county is eligible
Morgan County100%None: the whole county is eligible
New Madrid County100%None: the whole county is eligible
Newton County91.2%Loma Linda town, Leawood village, Saginaw village, Shoal Creek Drive village, Redings Mill village, Shoal Creek Estates village, Grand Falls Plaza town, Dennis Acres village, and 1 more
Nodaway County100%None: the whole county is eligible
Oregon County100%None: the whole county is eligible
Osage County100%None: the whole county is eligible
Ozark County100%None: the whole county is eligible
Pemiscot County100%None: the whole county is eligible
Perry County100%None: the whole county is eligible
Pettis County100%None: the whole county is eligible
Phelps County100%None: the whole county is eligible
Pike County100%None: the whole county is eligible
Platte County77.6%Parkville city, Riverside city, Weatherby Lake city, Lake Waukomis city, Platte Woods city, Northmoor city, Houston Lake city, Ferrelview village
Polk County100%None: the whole county is eligible
Pulaski County81.4%Fort Leonard Wood CDP
Putnam County100%None: the whole county is eligible
Ralls County100%None: the whole county is eligible
Randolph County100%None: the whole county is eligible
Ray County100%None: the whole county is eligible
Reynolds County100%None: the whole county is eligible
Ripley County100%None: the whole county is eligible
Saline County100%None: the whole county is eligible
Schuyler County100%None: the whole county is eligible
Scotland County100%None: the whole county is eligible
Scott County99.7%None mostly inside; part of the area is ineligible
Shannon County100%None: the whole county is eligible
Shelby County100%None: the whole county is eligible
St. Charles County59.5%O'Fallon city, St. Charles city, St. Peters city, Wentzville city, Lake St. Louis city, Weldon Spring city, St. Paul city, Dardenne Prairie city, and 3 more
St. Clair County100%None: the whole county is eligible
St. Francois County100%None: the whole county is eligible
St. Louis city0%St. Louis city
St. Louis County0.1%Wildwood city, Chesterfield city, Maryland Heights city, Oakville CDP, Hazelwood city, Bridgeton city, Old Jamestown CDP, Florissant city, and 90 more
Ste. Genevieve County100%None: the whole county is eligible
Stoddard County100%None: the whole county is eligible
Stone County100%None: the whole county is eligible
Sullivan County100%None: the whole county is eligible
Taney County100%None: the whole county is eligible
Texas County100%None: the whole county is eligible
Vernon County100%None: the whole county is eligible
Warren County100%None: the whole county is eligible
Washington County100%None: the whole county is eligible
Wayne County100%None: the whole county is eligible
Webster County100%None: the whole county is eligible
Worth County100%None: the whole county is eligible
Wright 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 Missouri, the free census tract lookup shows the income level and QCT and DDA status, and Missouri has 161 designated Opportunity Zone tracts (Opportunity Zone lookup).

Questions

Is Missouri eligible for USDA loans?

Much of it is. About 96.4% of the state's area is outside USDA's ineligible areas (2,534 of about 69,661 square miles are ineligible). 95 counties are entirely eligible. Most people live in the larger towns, which are often ineligible, so check the specific address.

Which Missouri counties have the least USDA eligible area?

St. Louis city (0% eligible), St. Louis County (0.1% eligible), Jackson County (26.6% eligible), St. Charles County (59.5% eligible), Greene County (61.3% eligible). The share is of land area, by HeritageDeed's estimate from USDA's map; eligibility is decided for each property.

Which Missouri towns are not eligible for USDA loans?

Places USDA's map shows as mostly inside an ineligible area include St. Louis city, Wildwood city, Kansas City city, O'Fallon city, Springfield city, Liberty city, Parkville city and Arnold 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 Missouri 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 Missouri last updated?

The ineligible areas on USDA's map for Missouri 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.

Other states

Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · Washington, DC · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming

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.

Buying in Missouri? Order a title search: owner of record, deeds, open mortgages and liens, $49 per report.