Public Law 119-73 (01/23/2026)

42 U.S.C. § 1490

“Rural” and “rural area” defined

As used in this subchapter, the terms “rural” and “rural area” mean any open country, or any place, town, village, or city which is not (except in the cases of Pajaro, in the State of California, and Guadalupe, in the State of Arizona) part of or associated with an urban area and which (1) has a population not in excess of 2,500 inhabitants, or (2) has a population in excess of 2,500 but not in excess of 10,000 if it is rural in character, or (3) has a population in excess of 10,000 but not in excess of 20,000, and (A) is not contained within a standard metropolitan statistical area, and (B) has a serious lack of mortgage credit for lower and moderate-income families, as determined by the Secretary and the Secretary of Housing and Urban Development. For purposes of this subchapter, any area classified as “rural” or a “rural area” prior to , and determined not to be “rural” or a “rural area” as a result of data received from or after the 1990, 2000, 2010, or 2020 decennial census, and any area deemed to be a “rural area” for purposes of this subchapter under any other provision of law at any time during the period beginning , and ending , shall continue to be so classified until the receipt of data from the decennial census in the year 2030, if such area has a population in excess of 10,000 but not in excess of 35,000, is rural in character, and has a serious lack of mortgage credit for lower and moderate-income families. Notwithstanding any other provision of this section, the city of Plainview, Texas, shall be considered a rural area for purposes of this subchapter, and the city of Altus, Oklahoma, shall be considered a rural area for purposes of this subchapter until the receipt of data from the decennial census in the year 2000.

July 15, 1949, ch. 338Pub. L. 89–117, title X, § 100779 Stat. 502Pub. L. 91–609, title VIII, § 803(e)84 Stat. 1807Pub. L. 93–383, title V, § 51188 Stat. 695Pub. L. 94–375, § 25(b)90 Stat. 1078Pub. L. 98–181, title I97 Stat. 1247Pub. L. 98–479, title I, § 105(g)98 Stat. 2227Pub. L. 99–120, § 3(b)99 Stat. 503Pub. L. 99–156, § 3(b)99 Stat. 816Pub. L. 99–219, § 3(b)99 Stat. 1731Pub. L. 99–267, § 3(b)100 Stat. 74Pub. L. 99–272, title III, § 3009(b)100 Stat. 105Pub. L. 99–289, § 1(b)100 Stat. 412Pub. L. 99–345, § 1100 Stat. 673Pub. L. 99–430100 Stat. 986Pub. L. 100–122, § 1101 Stat. 793Pub. L. 100–154101 Stat. 890Pub. L. 100–170101 Stat. 914Pub. L. 100–179101 Stat. 1018Pub. L. 100–200101 Stat. 1327Pub. L. 100–242, title III, § 308101 Stat. 1896Pub. L. 101–137, § 7(b)103 Stat. 826Pub. L. 101–625, title VII, § 715(a)104 Stat. 4296Pub. L. 102–550, title VII, § 709106 Stat. 3840Pub. L. 105–276, title V, § 599H(g)112 Stat. 2669Pub. L. 106–554, § 1(a)(4) [div. A, § 102]114 Stat. 2763Pub. L. 106–569, title VII, § 705114 Stat. 3015Pub. L. 113–79, title VI, § 6208128 Stat. 861Pub. L. 115–334, title VI, § 6305132 Stat. 4752(, title V, § 520, as added , , ; amended , , ; , , ; , , ; [title V, § 515], , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , ; , , , 2763A–172; , , ; , , ; , , .)

Editorial Notes

Amendments

Pub. L. 115–3342018— substituted “2010, or 2020 decennial census” for “or 2010 decennial census”, “,” for “,”, and “year 2030” for “year 2020”.

Pub. L. 113–792014— substituted “1990, 2000, or 2010 decennial census, and any area deemed to be a ‘rural area’ for purposes of this subchapter under any other provision of law at any time during the period beginning , and ending , shall continue to be so classified until the receipt of data from the decennial census in the year 2020” for “1990 or 2000 decennial census shall continue to be so classified until the receipt of data from the decennial census in the year 2010” and “35,000” for “25,000”.

Pub. L. 106–554Pub. L. 106–5692000— and amended second sentence identically, substituting “1990 or 2000 decennial census” for “1990 decennial census” and “year 2010” for “year 2000”.

Pub. L. 105–2761998— inserted before period at end “, and the city of Altus, Oklahoma, shall be considered a rural area for purposes of this subchapter until the receipt of data from the decennial census in the year 2000”.

Pub. L. 102–5501992— inserted at end “Notwithstanding any other provision of this section, the city of Plainview, Texas, shall be considered a rural area for purposes of this subchapter.”

Pub. L. 101–6251990— substituted “cases” for “case” in first sentence, inserted “, and Guadalupe, in the State of Arizona” after “California”, and substituted last sentence for “For purposes of this subchapter, any area classified as ‘rural’ or a ‘rural area’ prior to the receipt of data from or after the 1980 decennial census and determined not to be ‘rural’ or a ‘rural area’ as a result of such data shall continue to be so classified through , if such area has a population in excess of 10,000 but not in excess of 20,000.”

Pub. L. 101–1371989— substituted “” for “”.

Pub. L. 100–2421988— added parenthetical exception for Pajaro, in the State of California, and substituted “” for “”.

Pub. L. 100–2001987— substituted “” for “”.

Pub. L. 100–179 substituted “” for “”.

Pub. L. 100–170 substituted “” for “”.

Pub. L. 100–154 substituted “” for “”.

Pub. L. 100–122 substituted “” for “”.

Pub. L. 99–4301986— substituted “” for “”.

Pub. L. 99–345 substituted “” for “”.

Pub. L. 99–289 substituted “” for “”.

Pub. L. 99–272Pub. L. 99–219 directed amendment identical to , substituting “” for “”.

Pub. L. 99–267 substituted “” for “”.

Pub. L. 99–2191985— substituted “” for “”.

Pub. L. 99–156 substituted “” for “”.

Pub. L. 99–120 substituted “” for “the end of fiscal year 1985”.

Pub. L. 98–4791984— substituted “1985” for “1984”.

Pub. L. 98–1811983— inserted provisions relating to applicability of this subchapter through fiscal year 1984 to areas classified pursuant to 1980 decennial census.

Pub. L. 94–3751976—Cl. (3)(B). inserted “for lower and moderate-income families” after “has a serious lack of mortgage credit”.

Pub. L. 93–3831974—Cl. (3). added cl. (3).

Pub. L. 91–6091970— substituted as upper population limit “10,000” for “5,500”.

Statutory Notes and Related Subsidiaries

Effective Date of 1990 Amendment

Pub. L. 101–625, title VII, § 715(b)104 Stat. 4296

“The amendment made by this section [amending this section] shall apply with respect to classification of rural areas for fiscal year 1991 and any fiscal year thereafter.”
, , , provided that: