Zero down homes in Sardis, Mississippi
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Sardis with $0 down. 14 homes in USDA-eligible areas in Sardis were verified for sale on October 8, 2026, with a median list price of $189,500.
How Kaspar helps you in Sardis
- Checks whether a home's address is in a USDA-eligible area before you fall in love with it
- Connects you with a USDA-approved lending partner for pre-qualification
- Finds homes likely to pass the USDA appraisal (safe, sound, sanitary)
- Negotiates seller help with closing costs when possible
Homes for sale in Sardis
- Homes listed
- 14
- Median list price
- $189,500
- Median $/sq ft
- $111
- Median days listed
- 62.5
Source: listings verified for sale on October 8, 2026.
$55,000
1611 King Rd
Sardis · 1 bd · 1 ba · 384 sqft
$99,900
6352 Union Rd
Sardis · 3 bd · 1.5 ba · 1,290 sqft
$123,000
496 Krotzer Rd
Sardis · 3 bd · 2 ba · 1,600 sqft
$150,000
15980 MS 315
Sardis · 3 bd · 2 ba · 1,539 sqft
$175,000
6920 Old Panola Rd
Sardis · 3 bd · 2 ba · 924 sqft
$179,900
81 Ellzey Dr
Sardis · 3 bd · 2 ba · 1,500 sqft
$180,000
5024 Barnacre Rd
Sardis · 3 bd · 2 ba · 1,568 sqft
$199,000
78 Ellzey Rd
Sardis · 1 bd · 1 ba · 640 sqft
$214,900
360 Camille St
Sardis · 5 bd · 3 ba · 2,000 sqft
$240,000
308 N Main St
Sardis · 3 bd · 2 ba · 2,317 sqft
Common questions
Who qualifies for a USDA loan?
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Household income must be at or below the county limit, the home must be in an eligible area and be your primary residence, and lenders usually look for a credit score around 640 and steady income. Self-employed or 1099 buyers typically need 2 years of filed tax returns.
Is a USDA loan really $0 down?
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There is no down payment, but there is a 1% upfront guarantee fee (it can be financed), an annual fee paid monthly, and closing costs, which sellers sometimes help with.
How do I check if a Sardis home is eligible?
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Enter the address in the USDA eligibility map, or send it to Kaspar and he'll check it for you.