I know of no school in this country (US) that will grant a Masters of Science in Physics without residency. Generally, a MS requires research culminating in a thesis. And this of course requires access to either expensive lab equipment (experimental) or expensive computers (theory), especially if your interest is condensed matter. Graduate level physics is just not suited for distance education.

If you do pursue graduate school, you are generally supported by either teaching assistantships or research assistantships. Your tuition would be paid for and you would receive a small stipend ($12,000-$18,000 per year). Though at some schools this type of support is competitive.