Centralia Homes with USDA Loan Terms

Centralia Homes with USDA Loan Terms

Located in the state of Washington, Centralia is a charming city that offers a peaceful and friendly atmosphere. Situated in Lewis County, this city is known for its beautiful landscapes, close-knit community, and convenient access to various amenities.

Centralia is a great place to call home, especially for those looking to buy a property with USDA loan terms. The USDA loan program provides affordable financing options for homebuyers in rural areas, and Centralia qualifies as one of these eligible locations. With USDA loan terms, prospective homeowners can enjoy benefits such as low interest rates, flexible credit requirements, and zero down payment.

Homes in Centralia come in a variety of styles and sizes, catering to different preferences and budgets. Whether you're looking for a cozy single-family home or a spacious property with ample land, Centralia has options to suit your needs. From charming historic houses to modern new constructions, there is something for everyone in this vibrant city.

In addition to its real estate offerings, Centralia boasts a range of amenities and attractions. Residents can enjoy exploring the picturesque downtown area, which is filled with unique shops, restaurants, and local businesses. Outdoor enthusiasts will appreciate the city's proximity to nature, with nearby parks, trails, and recreational areas offering opportunities for hiking, fishing, and camping.

If you're considering purchasing a home in Centralia, the USDA loan terms can help make your dream a reality. With its welcoming community and convenient location, Centralia offers a wonderful place to settle down and enjoy a comfortable lifestyle.

Newest Centralia Homes with USDA Loan Terms

$750,000
5 Beds ⋅ 4 Baths ⋅ 2575065 MLS ⋅ ACTIVE Status
First time on the market! Enjoy private country living while still being just minutes from everyday amenities with easy freeway access. Set on over 5 level acres, this well-cared-for property reflects true pride of ownership and offers fruit trees, a creek, multiple outbuildings, plenty of gardening space, and ample parking for guests, RVs, trailers, or additional vehicles.Inside, you’ll find thoughtful updates throughout, including newer solid wood doors and trim, new carpet, and hardwood flooring throughout much of the main level. The large kitchen offers plenty of counter and cabinet space and flows nicely into the main living areas, making it a great space for everyday living and entertaining.Upstairs, the spacious bonus room adds even more flexibility, with plumbing already in place and the potential for a kitchen conversion, creating a great option for multigenerational living, extended guests, or additional living space.With usable acreage, room to garden, plenty of parking, versatile living space, and a peaceful setting close to town, this is one you’ll want to see. Schedule your showing today!

364 Blanchard Road, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

$299,900
3 Beds ⋅ 1 Baths ⋅ 2572784 MLS ⋅ ACTIVE Status
Great project house. New windows, nice flat half acre, fruit trees, detached shop/garage, RV parking garage, good bones, worth updating. Within Centralia UGA.

320 E Oakview Avenue, Centralia

Listing courtesy of CENTURY 21 Lund, Realtors.

$419,900
3 Beds ⋅ 2 Baths ⋅ 2572217 MLS ⋅ ACTIVE Status
Take a look at this opportunity to have your own oasis in the heart of Washington State. This well-maintained home sits on just under 1 acre of land that's tucked away in a private cul-de-sac. The open concept has a very airy feel with the coziness of the gas fireplace. There are ample parking options including a spacious attached two car garage for vehicles and extra storage space. The immense backyard is fully fenced and features garden spaces and fruit trees. The location is close to shopping and amenities but is also private. Move quickly as this property will not last long.

3715 Prairie Avenue, Centralia

Listing courtesy of Lumin Brokers of Washington.

$579,950
4 Beds ⋅ 2 Baths ⋅ 2565713 MLS ⋅ ACTIVE Status
This well-cared-for property offers a wonderful combination of usable space, functionality, and classic farmhouse charm. Trufir floors bring warmth and character to the main living area, while the bright and welcoming kitchen features a practical layout for everyday living. The home feels comfortable throughout, creating an inviting place for both quiet mornings and busy days at home.Outside, the property offers plenty of flexibility with fruit and nut trees, grapevines, an irrigation system, a 20-by-30-foot barn, and an impressive 24-by-60-foot shop and garage. The shop provides ample room for vehicles, equipment, storage, hobbies, or workshop use, while the barn offers additional space for animals, feed, tools, or other needs. Zoning adds to the property’s investment potential, offering flexibility for both residential and possible business use.With room to garden, work on projects, store equipment, or simply enjoy more space, this property provides a setup that is increasingly difficult to find. The setting feels comfortably removed from the rush, yet it is less than 10 minutes from the freeway and within easy reach of everyday amenities. For those looking for farmhouse character, substantial outbuildings, and a property with plenty of possibilities, this one is worth a closer look.

2118 Gallagher Road, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

$395,000
3 Beds ⋅ 2 Baths ⋅ 2544914 MLS ⋅ ACTIVE Status
Welcome Home to Sunnyside Drive! Located in the highly desirable Ford's Prairie neighborhood, this beautifully maintained 3-bedroom, 1.25-bath ranch-style home offers 1,144 square feet of comfortable, move-in-ready living. A brand-new roof, installed August 1st, 2026, along with fresh interior paint throughout, provides lasting value and peace of mind. A freshly painted front porch and attractive new landscaping create an inviting first impression. Inside, you'll find the welcoming living and dining areas, ideal for everyday living and entertaining alike. The thoughtfully designed kitchen features brand-new stainless steel appliances, including a stove and dishwasher. The primary suite offers a walk-in closet and private half bath, creating a comfortable retreat at the end of the day. Recent updates also include new flooring & vanities in both bathrooms and new flooring in the utility room, plus a new vapor barrier and insulation beneath the home for added efficiency and comfort. Step outside to the fully fenced backyard, freshly stained and ready for outdoor enjoyment. A storage shed, attached one-car garage, additional parking, and fruit trees in both the front and back yards add charm and functionality. Conveniently located near schools, parks, the Sports Hub, and I-5 access, this home offers an exceptional blend of comfort, convenience, and value. Don't miss this opportunity to own a beautifully updated home in one of Centralia's most sought-after neighborhoods.

108 Sunnyside Drive, Centralia

Listing courtesy of John L. Scott CNT.

$414,900
2562786 MLS ⋅ ACTIVE Status
Whether you're looking to invest or owner-occupy, this charming duplex is full of opportunity! Situated on a spacious corner lot in a highly desirable neighborhood, this well-maintained property offers a strong rental history and an ideal layout. Each unit features 2 generously sized bedrooms, 1 full bath, and comfortable living spaces designed for everyday living. Recent updates include a newer roof and plumbing, providing added peace of mind. A detached garage, ample off-street parking, and close proximity to schools, shopping, restaurants, and everyday amenities make this a standout investment. Live in one unit and rent the other, or add this turnkey duplex to your investment portfolio!

517 Center Street, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

$465,000
3 Beds ⋅ 2 Baths ⋅ 2561095 MLS ⋅ ACTIVE Status
Own your own mini-farm on this fully fenced .77-acre mini-farm offering privacy, space, and modern convenience! This well-maintained 1,863 sq. ft. manufactured home features 3 bedrooms, 1.75 baths, and a split-bedroom layout. Inside, laminate, hardwood, and luxury vinyl flooring add durability, while the kitchen serves as the heart of the home with tile countertops and a cozy wood-burning fireplace. The main bedroom includes added closet space plus a hidden walk-in closet for exceptional storage. Enjoy year-round comfort with an electric forced-air furnace, a 5-year-old roof, a newer composite deck, and high-speed internet for work-from-home needs. The property is fully set up for animals, hobbies, and equipment with a powered shop, attached overhang, animal pens, chicken coop, and an arena. Cross-fencing, pasture, garden space, and a peaceful pond creates an ideal environment for homesteading or outdoor enjoyment. Located minutes from I-5, shopping, and schools, this property offers the tranquility of country living with the convenience of town nearby. Bring your horses, goats, chickens, and gardening dreams there’s ample room for RVs, trailers, equipment, and recreation. A rare opportunity to enjoy versatile country living with space to live, work, and play.

21644 Old HWY 99 SW, Centralia

Listing courtesy of Imagine Real Estate.

$450,000
5 Beds ⋅ 2 Baths ⋅ 2552532 MLS ⋅ ACTIVE Status
Welcome to 110 S Gold St, Centralia, WA— This well-maintained property features thoughtful updates completed by the current owners, including improvements to the plumbing, electrical systems, kitchen, bathrooms, and various fixtures throughout the home. These enhancements provide a solid foundation while preserving the character of the property. Inside, you'll find a functional floor plan with comfortable living spaces, an inviting atmosphere, and flexibility to accommodate a variety of lifestyles. The updated kitchen and bathrooms contribute to the home's move-in-ready appeal. Natural light fills the living areas, creating a bright and welcoming environment. Conveniently located near downtown Centralia, shopping, dining, parks, schools, and major commuting routes, this property offers easy access to everyday amenities while maintaining a residential setting.

110 S Gold Street, Centralia

Listing courtesy of eXp Realty.

$445,000
3 Beds ⋅ 2 Baths ⋅ 2554102 MLS ⋅ ACTIVE Status
Built in 2021 this beautifully maintained rambler offers modern style and everyday comfort. The thoughtful design has vaulted ceilings, durable laminate flooring throughout, and fresh interior paint that creates a bright inviting atmosphere. The spacious kitchen is the heart of the home, complete with warm wood countertops, a large center island and a charming coffee or wine bar perfect for entertaining or enjoying your morning routine. The primary suite includes a walk in closet, and private three-quarter bath. This fully fenced back yard has plenty of space for pets, to play or relaxing evenings on the large deck. The garden is already started for you as well. This move in ready rambler is one you don't want to miss.

1418 Windsor Avenue, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

$409,900
4 Beds ⋅ 1 Baths ⋅ 2553768 MLS ⋅ ACTIVE Status
Welcome home to this beautifully updated 4-bedroom Craftsman in Centralia's charming Edison District! Ideally located just minutes from the vibrant downtown, the renowned antique district, Washington Park, and an incredible variety of local restaurants and shops, this home also offers an easy commute to Olympia or Longview.Inside, you'll find the perfect blend of timeless character and modern updates, including refinished original hardwood floors, newer flooring, a completely remodeled kitchen, fresh interior and exterior paint, and a cozy wood-burning fireplace that adds warmth and charm.Situated on a desirable corner lot outside the flood zone, the property features an impressive oversized shop—ideal for extra vehicles, hobbies, a workshop, storage, or all your toys. If you've been searching for classic Craftsman character with today's updates and exceptional shop space in one of Centralia's most sought-after neighborhoods, this is the one! Fiber Optics is available within a few weeks!!

928 F Street, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

$299,000
2 Beds ⋅ 1 Baths ⋅ 2550223 MLS ⋅ ACTIVE Status
Welcome to this charming, move-in ready home in the heart of Centralia! This well maintained 2 bedroom, 1 bath home features an open concept floor plan with an updated kitchen, stainless steel appliances, and a spacious living area that's perfect for everyday living and entertaining. A large utility room and storage space beneath the home offers plenty of room for seasonal items and outdoor gear. Outside, enjoy a low maintenance yard and relax on the back deck overlooking a meandering creek. Conveniently located near Centralia College, shopping, dining, parks, and local amenities.

509 Yew Street, Centralia

Listing courtesy of Premiere Property Group, LLC.

$369,900
3 Beds ⋅ 2 Baths ⋅ 2548245 MLS ⋅ ACTIVE Status
This home is spacious and versatile offering endless possibilities. Featuring 3 bedrooms, 2 bathrooms, including a flexible floor plan with the potential to convert the oversized upstairs into two bedrooms. You'll appreciate the abundance of custom built-ins that provide both character and practical storage throughout the home. Open living room and dining room area with insert and a/c unit keep this home cozy all year long. Spacious kitchen with gas cook stove and lots of counter space. Outside, enjoy a large, covered patio area, large, fenced back yard, perfect for entertaining, relaxing or letting your pet's play. Hobbyists and outdoor enthusiast will love the workshop, woodshed, extra covered parking and impressive 24 X 24 shop with a loft area. There is an additional room that was once a small apartment. Use your imagination and bring back its original charm or just use it for additional storage. Plenty of parking in the shop or the very large, covered driveway parking. With so much flexibility inside and out, this property is ready to adapt to your lifestyle.

1128 H Street, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

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