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USDA rural development loans in Pleasant Grove, Utah: zero down in eligible areas. Check the eligibility map, income limits and guarantee fee.
Compare loan options against Pleasant Grove's $470K median price point before you shop, refinance, or lock a rate.
Nearby Coverage
USDA rural development loans offer zero-down financing in qualifying areas of Pleasant Grove and surrounding communities. With the median home price at $470,000, a USDA loan eliminates the need for a $16,450–$23,500 down payment entirely. Income eligibility in the Pleasant Grove area extends to households earning up to 115% of the area median income, approximately $92,000, which covers a large share of Pleasant Grove working families. Many buyers assume USDA loans are only for farmland, but eligible areas include suburban communities throughout Utah, check the USDA eligibility map to see if Pleasant Grove qualifies.
Pleasant Grove has a hometown warmth that bigger cities can't replicate. Strawberry Days in June is the annual highlight, a week of carnival rides, concerts, a rodeo, and the community strawberries-and-cream tradition that's been going since 1921. Battle Creek Falls is the local hike, an easy 20-minute trail that ends at a waterfall, perfect for after-work exercise. Downtown has a scattering of restaurants, a bakery, and shops that locals are fiercely loyal to. The foothills provide a mountain backdrop that never gets old. Weekends include the Murdock Trail, city rec fields, and neighborhood events. Retention is typically strong when maintenance is responsive.
Median Home Price
$470K
Median Rent
$1,550/mo
Population
40,000
Annual Growth
2.2%
Avg Days on Market
22
Owner-Occupied
72%
Ondo city medians as of Aug 2026 — verify. Not an MLS pull, appraisal, BPO, or CMA. Population and annual growth are approximate and are not tied to a named public source here. Check the U.S. Census Bureau for official figures.
We verify two things: that the property location falls within a USDA-eligible area, and that your household income meets USDA guidelines (up to 115% of area median income). Many suburban Utah communities qualify: the boundaries may surprise you.
Once eligibility is confirmed, we process your loan application with USDA-approved lenders. Pre-approval includes income verification, credit review, and a determination of your maximum purchase price.
After your offer is accepted, the loan package goes through both lender underwriting and USDA review. We manage both processes in parallel to minimize delays. Typical closing timelines are 45–60 days.
School District: Alpine School District
Notable schools: Pleasant Grove High School, Manila Elementary, Pleasant Grove Junior High
Known as 'Utah's City of Trees,' situated at the base of Mt. Timpanogos with historic orchards and newer tech campuses.
Outdoor Activities
Local Landmarks
USDA eligibility is determined by the property's location, not the buyer's address. Many suburban Utah communities outside Salt Lake City's urban core qualify. The USDA eligibility map is updated periodically, and areas can be added or removed. We check the current map for every property you're considering and can provide a list of USDA-eligible neighborhoods in Pleasant Grove.
USDA income limits are set at 115% of the area median income and vary by county and household size. The income of all adult household members is counted, not just the borrowers on the loan. This is different from conventional loans which only consider borrower income. We calculate your specific eligibility based on your household composition and location.
USDA loans typically take 45–60 days to close because the loan must pass through both lender underwriting and USDA review. We manage both processes in parallel and submit a complete package to minimize back-and-forth. Setting realistic timeline expectations with the seller upfront helps avoid issues during the transaction.
Yes, USDA loans can finance manufactured homes that are permanently affixed to a foundation, meet HUD standards, and are classified as real property. The home must be new or an existing manufactured home already financed by a USDA loan. Site-built homes, condos, and townhomes in eligible areas are also covered.
Pleasant Grove has one of Utah County's strongest community identities, and tenants who engage with it by attending Strawberry Days and using Battle Creek trails. Alpine School District serves the city. The city's compact size and festival calendar support renewals when rents stay near comps. Properties near the historic center and Battle Creek trailheads often show stronger occupancy.
Downtown Pleasant Grove has a walkable, small-town character that appeals to tenants seeking authenticity over suburbia. Local restaurants, the old theater, and the park create a genuine neighborhood feel. Older properties near downtown can be renovated effectively, the charm premium is real, and tenants will pay slightly above market for a well-done renovation in a walkable location. The Manila Creek development is adding modern density nearby, which brings additional foot traffic and commercial energy to the area. Downtown P.G. is a good value-add submarket for patient investors.
Pleasant Grove's central Utah County location is a genuine advantage, Lehi's Silicon Slopes campuses are 10 minutes north, Provo/BYU is 10 minutes south, and I-15 interchange access is easy. This flexibility means the tenant pool draws from both Salt Lake County southbound commuters and Utah County northbound workers. FrontRunner service is accessible via the Orem or American Fork stations (5–10 min drive). Tenants can change jobs without needing to move, which helps retention.
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Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. You are not required to use Ondo for financing to buy or sell with Ondo. Equal Housing Lender. Program rules, fees, and county loan limits change. Confirm the current published schedule and lender overlays. Nothing here is a quote, a lock, or a credit decision. Licensing and disclosures