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USDA Loans in Pueblo County, Colorado 2026
Pueblo city is not USDA-eligible — population density disqualifies the urban core. But Pueblo County is large, and several communities qualify for USDA Rural Development zero-down financing.
USDA-Eligible Areas in Pueblo County
Generally USDA-eligible (verify by parcel): Rye (small town southwest of Pueblo on CO-165), Beulah (Wet Mountains foothills), Colorado City (south of Pueblo West), Boone (agricultural east of Pueblo), Avondale (southeast Pueblo County), Fowler/Manzanola corridor, and Pueblo West outskirts on the western fringe. Not eligible: Pueblo city proper, most of Pueblo West incorporated areas.
Income Limits (Pueblo County, 2026)
1–4 person household: ~$110,650. 5–8 person household: ~$146,050. Most buyers qualify on income — the constraint is property location.
USDA Payment Example — Colorado City
Purchase $295,000 with zero down. Loan + 1% fee: $297,950. Rate 6.75%. P&I ~$1,932/mo. Annual fee ~$87/mo. Property tax ~$118/mo. Insurance ~$110/mo. Total PITI ~$2,247/mo.
Rye and Beulah: Mountain Living With USDA
Median home prices in these Wet Mountains communities run $280,000–$380,000 — below both ceilings. Properties often have acreage, wells, and septic — all fine for USDA with passing inspections. Rye is ~30–35 miles from Pueblo via CO-165.
USDA vs. FHA in Rural Pueblo County
USDA wins: zero down vs. $10,325 on $295K. Monthly insurance $87 vs. $135. Upfront 1% vs. 1.75%.
Manufactured Homes
USDA allows manufactured homes on permanent foundations on owned land — relevant for affordable Colorado City and Avondale inventory.
Rural Pueblo County is one of Colorado's best-kept USDA secrets. 970-708-9624 | tj@taytoncapitalllc.com.
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