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Open Country: USDA Section 538 and 515 data MCP Server

by usda538 Your server? Claim it
answering

Open Country: USDA Section 538 and 515 data is answering right now. Last checked 7 min ago. It exposes 6 tools.

USDA rural eligibility, Section 538 income limits, 538 loans and lenders, 515 rentals.

Uptime history 9 days of history
9 days agonow
100.0%
Uptime 24h
91 of 91 checks
6
Tools
read from the server
220 ms
Response time
average over 24h
open, no key
Access
streamable-http

Nothing serious here today

Today is the operative word: we check Open Country: USDA Section 538 and 515 data every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Three servers free · no card

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 7 min ago.

run in your terminal
claude mcp add usda538-loans --transport http https://usda538.loans/mcp
Settings → Connectors → Add custom connector, then paste this address
https://usda538.loans/mcp
~/.codex/config.toml
[mcp_servers.usda538-loans]
url = "https://usda538.loans/mcp"
.cursor/mcp.json
{
  "mcpServers": {
    "usda538-loans": {
      "url": "https://usda538.loans/mcp"
    }
  }
}
.vscode/mcp.json
{
  "servers": {
    "usda538-loans": {
      "type": "http",
      "url": "https://usda538.loans/mcp"
    }
  }
}

Available tools 6

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

538
get_538_income_limits
FY2026 USDA Section 538 income limits (115% of area median income, 1 to 8 persons, effective July 13, 2026) for a county or USDA area in one state, with the per-unit rent cap (30% of the limit / 12) and the approximate project-average cap. Without county or area, lists every area in the state, paged.
get_538_lender_table
National Section 538 lender table from USDA's public file (as of October 19, 2026): each lender's loan count, total loan amount and latest fiscal year, ranked by loan count, plus the total portfolio and how many loans each state has. Paged.
list_538_loans
USDA's public Section 538 guaranteed loans in one state (file as of October 19, 2026): count, total amount, apartments, tax credit deals, median loan-to-cost and lenders, then loan rows (project, city, lender, closing date, amount, loan-to-cost, units, rents) newest first, paged and filterable by lender or fiscal year.
rural
check_rural_eligibility
Checks one US street address against USDA Rural Development's ineligible-area map for its single family and multifamily housing programs (which governs Section 538): eligible or not on the current map, the proposed 2020-census map and the previous map, plus the matched address, county and place (Census Bureau geocoder, or OpenStreetMap and the FCC when Census does not answer).
size
size_538_loan
Sizes a USDA Section 538 loan the way the site's loan sizer does: the 90% (for-profit) or 97% (nonprofit or public) cap on the lower of cost or value against the DSCR cap (1.15x default), with NOI, debt service, loan-to-cost and the 2026 guarantee fees. Arithmetic on your inputs, not a quote.
usda
find_usda_rural_rentals
Active USDA Section 515 rural rental and 514 farm labor housing properties in one county from USDA's file (as of October 19, 2026): name, address, housing type, bedroom mix, units, rental assistance units, recorded vacancies, accessible units, opening year, restriction end date and management company. Optional town filter; paged.

Endpoints

URLTransportStateLatencyChecked
https://usda538.loans/mcp streamable-http answering 177 ms 7 min ago

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Open Country: USDA Section 538 and 515 data — questions

Answers built from our own checks of this server.

What can Open Country: USDA Section 538 and 515 data do?
It exposes 6 tools, read directly from the server on our last check. Among them: check_rural_eligibility, find_usda_rural_rentals, get_538_income_limits, get_538_lender_table, list_538_loans, size_538_loan. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →
Is Open Country: USDA Section 538 and 515 data working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 220 ms. The bar chart above shows every period we have measured.
How do I connect Open Country: USDA Section 538 and 515 data?
Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does Open Country: USDA Section 538 and 515 data need an API key?
No. Open Country: USDA Section 538 and 515 data completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 6 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is Open Country: USDA Section 538 and 515 data?
It answers our handshake in 220 ms on average, which is faster than 60% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.