USDA mortgage in Clay County, MS
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Clay County with $0 down. 42 homes in USDA-eligible areas in Clay County were verified for sale on October 8, 2026, with a median list price of $158,950.
How Kaspar helps you in Clay County
- 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 Clay County
- Homes listed
- 42
- Median list price
- $158,950
- Median $/sq ft
- $115
- Median days listed
- 88.5
Source: listings verified for sale on October 8, 2026.
$30,000
61 Chandler St
West Point · 3 bd · 1 ba · 1,115 sqft
$49,000
935 Lone Oak Rd
West Point · 3 bd · 1 ba · 1,440 sqft
$50,000
761 E Morrow St
West Point · 3 bd · 1 ba · 975 sqft
$59,000
27045 E Main St
West Point · 3 bd · 2 ba · 3,549 sqft
$69,000
530 E Morrow St
West Point · 4 bd · 2 ba · 1,336 sqft
$79,000
218 Lewellen St
West Point · 3 bd · 2 ba · 1,150 sqft
$90,000
141 Rogers Rd
West Point · 3 bd · 1 ba · 1,083 sqft
$99,900
20810 Ms-Highway 50
West Point · 3 bd · 1 ba · 1,920 sqft
$100,000
1533 Ccc Line Rd
West Point · 3 bd · 2 ba · 1,518 sqft
$110,000
96 Hill St
West Point · 3 bd · 2 ba · 1,685 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 Clay County 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.