USDA loans in Oktibbeha County, simplified

Key takeaways

• As of October 7, 2026, 7 homes were for sale in USDA-eligible parts of Oktibbeha County under $325,000, with a median list price of $259,000.
• Check the county income limit on the USDA eligibility site.
• Budget for closing costs; sellers can help.
• See real example homes below.

How does a USDA loan work, in plain English?

A USDA guaranteed loan is a 30-year fixed mortgage from a regular lender, backed by the U.S. Department of Agriculture so the lender can offer it with no down payment.

• $0 down: you can finance 100% of the price.
• Location: the home must be in a USDA-eligible area (most rural and small-town Mississippi qualifies).
• Income: your total household income must be at or under the limit for your county.
• Credit: most lenders look for a score around 640 for automated approval; lower can be possible with manual review.
• Fees: a 1% upfront guarantee fee (can be rolled into the loan) and a 0.35% annual fee paid monthly.
• Use: it must be your primary home, not a rental or vacation home.

Where USDA works in Oktibbeha County

Starkville city limits are not eligible. Many areas outside the city are. Homes are currently listed in Maben, Sturgis.

Always confirm the exact address on the USDA eligibility map before making an offer.

What your options look like

Below are real homes for sale in USDA-eligible parts of Oktibbeha County, from the lowest price up, to show the range of what $0 down can buy here. Payments shown on each home are estimates of principal and interest only.

Example homes for sale in Oktibbeha County

$28,500

34 Old Highway 15

Maben · 2 bd · 2 ba · 1,340 sqft

$238,500

1414 Self Creek Rd

Maben · 2 bd · 2 ba · 1,142 sqft

$259,900

1179 Turner Rd

Maben · 3 bd · 2 ba · 1,574 sqft

$325,000

98 Whitetail Dr

Maben · 3 bd · 2 ba · 1,636 sqft

Listed by various brokerages. Verified for sale October 7, 2026; availability changes daily.

Frequently asked questions