USDA loans in Ripley, MS
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Ripley with $0 down. 27 homes in USDA-eligible areas in Ripley were verified for sale on October 8, 2026, with a median list price of $195,000.
How Kaspar helps you in Ripley
- 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 Ripley
- Homes listed
- 27
- Median list price
- $195,000
- Median $/sq ft
- $110
- Median days listed
- 115
Source: listings verified for sale on October 8, 2026.
$65,900
602 S Middle St
Ripley · 2 bd · 1 ba · 800 sqft
$92,000
111 Channelview Dr
Ripley · 2 bd · 1 ba · 850 sqft
$119,000
307 Nabors Dr
Ripley · 3 bd · 2 ba · 1,431 sqft
$120,000
108 Rainey St
Ripley · 3 bd · 1.5 ba · 1,691 sqft
$120,000
30 County Road 550
Ripley · 3 bd · 2 ba · 1,216 sqft
$149,900
2590B Highway 4 W
Ripley · 2 bd · 1 ba · 1,400 sqft
$159,000
726 W Cooper St
Ripley · 3 bd · 1.5 ba · 1,576 sqft
$159,900
306 N Main St
Ripley · 3 bd · 1 ba · 2,150 sqft
$169,500
103 Sherry Ln
Ripley · 3 bd · 1 ba · 1,500 sqft
$178,125
706 S Commerce St
Ripley · 3 bd · 1.5 ba · 1,624 sqft
Common questions
Who qualifies for a USDA loan?
+
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?
+
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 Ripley home is eligible?
+
Enter the address in the USDA eligibility map, or send it to Kaspar and he'll check it for you.