USDA loans in Water Valley, MS
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Water Valley with $0 down. 16 homes in USDA-eligible areas in Water Valley were verified for sale on October 8, 2026, with a median list price of $245,950.
How Kaspar helps you in Water Valley
- 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 Water Valley
- Homes listed
- 16
- Median list price
- $245,950
- Median $/sq ft
- $125
- Median days listed
- 81
Source: listings verified for sale on October 8, 2026.
$29,900
1208 Bergland St
Water Valley · 1 bd · 1 ba · 2,017 sqft
$109,900
1320 Boyd St
Water Valley · 4 bd · 2 ba · 1,450 sqft
$130,000
201 Ridgewood Dr
Water Valley · 3 bd · 2.5 ba · 560 sqft
$195,000
410 Calhoun St
Water Valley · 3 bd · 1 ba · 5,286 sqft
$199,900
826 Blackmur Dr
Water Valley · 2 bd · 1 ba · 1,440 sqft
$215,000
358 County Road 550
Water Valley · 3 bd · 2 ba · 1,302 sqft
$237,500
108 Blount St
Water Valley · 3 bd · 2 ba · 2,015 sqft
$242,000
222 County Road 102
Water Valley · 4 bd · 2 ba · 2,240 sqft
$249,900
93 County Road 374
Water Valley · 4 bd · 2 ba · 2,560 sqft
$279,500
664 County Road 224
Water Valley · 3 bd · 2.5 ba · 2,117 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 Water Valley 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.