USDA loans and Starkville
By Kaspar Caldwell, REALTOR® · Reviewed
Starkville city limits are not USDA-eligible, so a $0 down USDA loan won't work inside the city. FHA (3.5% down) is usually the best fit there, while many towns a short drive away qualify for $0 down. 7 homes in USDA-eligible areas of Oktibbeha County near Starkville were verified for sale on October 8, 2026, with a median list price of $259,000.
How Kaspar helps you in Starkville
- 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
$0 down homes near Starkville
- Homes listed
- 7
- Median list price
- $259,000
- Median $/sq ft
- $165
- Median days listed
- 143
Source: listings verified for sale on October 8, 2026.
$28,500
34 Old Highway 15
Maben · 2 bd · 2 ba · 1,340 sqft
$175,000
1255 Taylor Rd
Sturgis · 4 bd · 2 ba · 1,448 sqft
$238,500
1414 Self Creek Rd
Maben · 2 bd · 2 ba · 1,142 sqft
$259,000
25 Edwards St
Sturgis · 3 bd · 2 ba · 1,704 sqft
$259,900
1179 Turner Rd
Maben · 3 bd · 2 ba · 1,574 sqft
$299,900
1275 Maben Starkville Rd
Maben · 3 bd · 2 ba · 1,538 sqft
$325,000
98 Whitetail Dr
Maben · 3 bd · 2 ba · 1,636 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 Starkville 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.