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

$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.

$345,000
2 Beds ⋅ 2 Baths ⋅ 2572702 MLS ⋅ ACTIVE Status
Lovely home on a corner lot, offering functionality and convenience. This single level home has 2 bedrooms, and 1 3/4 baths. It offers a kitchen with an island and space to move around. The main living space has a large window which lets in plenty of sunlight. The hallways are wide and ADA compliant. The fenced backyard is quaint and relaxing, with a covered patio area off of the primary bedroom, a large storage shed, and raised flower boxes that could be easily spruced up. There is a one car garage for parking or storage. Home is close to the hospital and I-5.

804 Wayne Drive, Centralia

Listing courtesy of Realty One Group Pacifica.

$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.

$424,900
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** property offering the perfect blend of country living and convenience! This well-maintained **1,863 sq. ft. manufactured home**, built in **1981**, features a split-bedroom floor plan with **3 bedrooms**, **1.75 baths**, and an open kitchen with tile countertops overlooking the family room with a cozy wood-burning fireplace. Laminate, hardwood, and luxury vinyl flooring add warmth and durability throughout. Stay comfortable year-round with an electric forced-air furnace, a **5-year-old roof**, and high-speed internet. Outside, the **powered shop** is ideal for an RV, large vehicles, hobbies, or projects, while the attached overhang provides covered storage. Additional outbuildings include animal pens, a chicken coop, and an arena. Cross-fencing, pasture, garden space, and a peaceful pond make this property perfect for homesteading, gardening, livestock, or simply enjoying the outdoors. Whether you're raising animals, storing your toys, operating a home-based business, or creating your own private retreat, this versatile property offers endless possibilities. Minutes from I-5, shopping, schools, and amenities, you'll enjoy the privacy of country living with the convenience of town nearby. Bring your horses, goats, chickens, and gardening dreams! Plenty of room for RV parking, equipment, trailers, and outdoor recreation. Rare opportunity to enjoy flexible country living with space to live, work, and play.

21644 Old HWY 99 SW, Centralia

Listing courtesy of Imagine Real Estate.

$330,000
4 Beds ⋅ 1 Baths ⋅ 2558341 MLS ⋅ ACTIVE Status
Welcome to 1202 Robina Street, where comfort, style, and pride of ownership come together. This inviting home offers a bright, welcoming interior with a fresh, modern feel throughout. Every space has been thoughtfully maintained, creating a clean, crisp atmosphere that is ready for its next owner. The open, functional layout provides comfortable everyday living while allowing for effortless entertaining. The kitchen shines with a contemporary look, generous workspace, and an easy connection to the dining and living areas. Spacious 4 bedrooms offer relaxing retreats, while the bathroom features an attractive, polished appearance. Large windows fill the home with natural light, enhancing the warm and inviting ambiance. Outside, you’ll find an attractive yard with room to garden, play, or simply unwind, along with space for outdoor gatherings. Conveniently located near schools, parks, shopping, dining, and commuter routes, this property combines neighborhood charm with everyday convenience. Whether you’re purchasing your first home, downsizing, or adding to your investment portfolio, this move-in-ready residence offers exceptional value and lasting appeal. From the moment you arrive, you’ll appreciate the attention to detail, spotless presentation, and welcoming character that make this home truly stand out. Don’t miss the opportunity to make this Centralia gem your own

1202 Rhobina Street, Centralia

Listing courtesy of Toner Real Estate Solutions.

$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.

$449,900
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.

$455,000
3 Beds ⋅ 2 Baths ⋅ 2551070 MLS ⋅ ACTIVE Status
Come view this incredibly well-maintained home. 1500 square foot home with a large 728 square foot attached garage, on a large city lot (.31 of an acre). The home has three bedrooms, two bathrooms and features many updates. Updates are included in the kitchen and bathrooms including flooring, paint, and Quartz countertops in the kitchen and bathrooms. High-quality carpets in the bedrooms. Primary bedroom includes double closets, and an on-suite bathroom. The back deck spans 52 feet on the backside of the house (664 square foot of deck space total) with access from both the primary bedroom and the dining room. Property also has a 364 square foot carport, perfect for storing a boat or RV. It includes a 30amp electrical hookup, and a sewer connect line. To top it all off is has a storage shed. You will not want to miss this great place in the desirable Edison district.

405 W 4th Street, Centralia

Listing courtesy of Voetberg Hansen Real Estate.

Start Your Search
Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.