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USDA eligibility map: Oklahoma

About 96.7% of Oklahoma's area is in USDA-eligible rural areas, by HeritageDeed's estimate from USDA Rural Development's published eligibility map, the 22nd highest share among the 50 states, DC and Puerto Rico. 59 of 77 counties have no ineligible area at all. 37 Census places in Oklahoma lie mostly inside ineligible areas, including Oklahoma City city, Norman city, Tulsa city, Lawton city and El Reno city.

96.7%
of the area is USDA eligible (estimate)
2,282
square miles mapped ineligible
59 of 77
counties with no ineligible area
37
Census places mostly ineligible

Check a Oklahoma 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 Oklahoma
countyArea eligibleMostly ineligible places
Adair County100%None: the whole county is eligible
Alfalfa County100%None: the whole county is eligible
Atoka County100%None: the whole county is eligible
Beaver County100%None: the whole county is eligible
Beckham County100%None: the whole county is eligible
Blaine County100%None: the whole county is eligible
Bryan County100%None: the whole county is eligible
Caddo County100%None: the whole county is eligible
Canadian County71.9%El Reno city, Yukon city, Mustang city
Carter County93.5%Ardmore city
Cherokee County100%None: the whole county is eligible
Choctaw County100%None: the whole county is eligible
Cimarron County100%None: the whole county is eligible
Cleveland County37.3%Norman city, Moore city
Coal County100%None: the whole county is eligible
Comanche County70.8%Lawton city
Cotton County100%None: the whole county is eligible
Craig County100%None: the whole county is eligible
Creek County93.2%Sapulpa city
Custer County100%None: the whole county is eligible
Delaware County100%None: the whole county is eligible
Dewey County100%None: the whole county is eligible
Ellis County100%None: the whole county is eligible
Garfield County92.9%Enid city
Garvin County100%None: the whole county is eligible
Grady County100%None: the whole county is eligible
Grant County100%None: the whole county is eligible
Greer County100%None: the whole county is eligible
Harmon County100%None: the whole county is eligible
Harper County100%None: the whole county is eligible
Haskell County100%None: the whole county is eligible
Hughes County100%None: the whole county is eligible
Jackson County100%None: the whole county is eligible
Jefferson County100%None: the whole county is eligible
Johnston County100%None: the whole county is eligible
Kay County97.9%Ponca City city
Kingfisher County100%None: the whole county is eligible
Kiowa County100%None: the whole county is eligible
Latimer County100%None: the whole county is eligible
Le Flore County100%None: the whole county is eligible
Lincoln County100%None: the whole county is eligible
Logan County100%None: the whole county is eligible
Love County100%None: the whole county is eligible
Major County100%None: the whole county is eligible
Marshall County100%None: the whole county is eligible
Mayes County100%None: the whole county is eligible
McClain County99.8%None mostly inside; part of the area is ineligible
McCurtain County100%None: the whole county is eligible
McIntosh County100%None: the whole county is eligible
Murray County100%None: the whole county is eligible
Muskogee County93.6%Muskogee city
Noble County100%None: the whole county is eligible
Nowata County100%None: the whole county is eligible
Okfuskee County100%None: the whole county is eligible
Oklahoma County29.6%Oklahoma City city, Edmond city, Midwest City city, Del City city, Bethany city, Warr Acres city, The Village city, Nichols Hills city, and 5 more
Okmulgee County100%None: the whole county is eligible
Osage County98.6%None mostly inside; part of the area is ineligible
Ottawa County100%None: the whole county is eligible
Pawnee County100%None: the whole county is eligible
Payne County95.6%Stillwater city
Pittsburg County100%None: the whole county is eligible
Pontotoc County100%None: the whole county is eligible
Pottawatomie County99.9%None mostly inside; part of the area is ineligible
Pushmataha County100%None: the whole county is eligible
Roger Mills County100%None: the whole county is eligible
Rogers County93.9%Claremore city
Seminole County100%None: the whole county is eligible
Sequoyah County100%None: the whole county is eligible
Stephens County94.3%Duncan city
Texas County100%None: the whole county is eligible
Tillman County100%None: the whole county is eligible
Tulsa County39.6%Tulsa city, Broken Arrow city, Bixby city, Sand Springs city, Jenks city, Owasso city, Glenpool city, Oakhurst CDP, and 1 more
Wagoner County92.7%None mostly inside; part of the area is ineligible
Washington County93.1%Bartlesville city
Washita County100%None: the whole county is eligible
Woods County100%None: the whole county is eligible
Woodward 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 Oklahoma, the free census tract lookup shows the income level and QCT and DDA status, and Oklahoma has 117 designated Opportunity Zone tracts (Opportunity Zone lookup).

Questions

Is Oklahoma eligible for USDA loans?

Much of it is. About 96.7% of the state's area is outside USDA's ineligible areas (2,282 of about 69,894 square miles are ineligible). 59 counties are entirely eligible. Most people live in the larger towns, which are often ineligible, so check the specific address.

Which Oklahoma counties have the least USDA eligible area?

Oklahoma County (29.6% eligible), Cleveland County (37.3% eligible), Tulsa County (39.6% eligible), Comanche County (70.8% eligible), Canadian County (71.9% eligible). The share is of land area, by HeritageDeed's estimate from USDA's map; eligibility is decided for each property.

Which Oklahoma towns are not eligible for USDA loans?

Places USDA's map shows as mostly inside an ineligible area include Oklahoma City city, Norman city, Tulsa city, Lawton city, El Reno city, Enid city, Bartlesville city and Sapulpa 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 Oklahoma 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 Oklahoma last updated?

The ineligible areas on USDA's map for Oklahoma 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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