USDA mortgage in Monroe County, MS
By Kaspar Caldwell, REALTOR® · Reviewed
USDA guaranteed loans let qualified buyers purchase in eligible areas like Monroe County with $0 down. 83 homes in USDA-eligible areas in Monroe County were verified for sale on October 8, 2026, with a median list price of $159,500.
How Kaspar helps you in Monroe 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 Monroe County
- Homes listed
- 83
- Median list price
- $159,500
- Median $/sq ft
- $92
- Median days listed
- 89
Source: listings verified for sale on October 8, 2026.
$39,000
608 W Forrest St
Aberdeen · 4 bd · 1 ba · 1,157 sqft
$42,000
401 6th Ave N
Amory · 3 bd · 1 ba · 1,541 sqft
$49,900
507 McWhirter St
Amory · 2 bd · 1 ba · 999 sqft
$50,000
400 S Meridian St
Aberdeen · 4 bd · 1 ba · 2,264 sqft
$54,500
509 S 7th St
Amory · 2 bd · 1 ba · 944 sqft
$55,000
111 Highland Ave
Aberdeen · 3 bd · 1.5 ba · 1,468 sqft
$59,000
205 Burnett St
Aberdeen · 3 bd · 2 ba · 1,972 sqft
$63,500
404 Evergreen Dr
Aberdeen · 3 bd · 2 ba · 1,254 sqft
$65,000
10031 Staff Cir
Aberdeen · 2 bd · 1 ba · 1,166 sqft
$69,900
1217 Brown St
Amory · 2 bd · 1 ba · 1,357 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 Monroe 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.