USDA loans and Tupelo
By Kaspar Caldwell, REALTOR® · Reviewed
Tupelo 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. 79 homes in USDA-eligible areas of Lee County near Tupelo were verified for sale on October 8, 2026, with a median list price of $229,000.
How Kaspar helps you in Tupelo
- 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 Tupelo
- Homes listed
- 79
- Median list price
- $229,000
- Median $/sq ft
- $140
- Median days listed
- 55
Source: listings verified for sale on October 8, 2026.
$49,900
323 Old Highway 45
Shannon · 2 bd · 1 ba · 720 sqft
$64,900
1387 State Park Rd
Mooreville · 2 bd · 1 ba · 760 sqft
$89,900
215 S 3rd St
Baldwyn · 4 bd · 3.5 ba · 2,328 sqft
$95,000
128 Drive 1367
Guntown · 2 bd · 1 ba · 960 sqft
$97,500
119 Elm St
Plantersville · 2 bd · 1 ba · 732 sqft
$100,000
459 Road 1199
Plantersville · 3 bd · 1 ba · 1,152 sqft
$109,000
105 Meadowbrook St
Plantersville · 2 bd · 2 ba · 1,422 sqft
$114,900
108 Rogers Dr
Nettleton · 3 bd · 1 ba · 1,050 sqft
$118,000
150 Aldridge Dr
Mooreville · 3 bd · 2 ba · 1,431 sqft
$129,000
117 County Road 506
Shannon · 3 bd · 2 ba · 1,600 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 Tupelo home is eligible?
+
Enter the address in the USDA eligibility map, or send it to Kaspar and he'll check it for you.