Ellensburg Homes with USDA Loan Terms

Ellensburg Homes with USDA Loan Terms

Welcome to Ellensburg, a charming city located in Kittitas County, Washington, USA. Nestled in the heart of the state, Ellensburg offers a perfect blend of natural beauty, small-town charm, and a thriving community.

With its picturesque landscapes and vibrant downtown, Ellensburg is a sought-after destination for those looking to settle down in a peaceful yet dynamic environment. The city is known for its rich history, stunning views of the Cascade Mountains, and a wide range of recreational activities for outdoor enthusiasts.

If you're considering buying a home in Ellensburg, you'll be pleased to know that USDA loan terms are available. The USDA loan program provides eligible homebuyers with affordable financing options, making it easier to purchase a home in rural and suburban areas. With USDA loans, you can enjoy flexible credit requirements, low interest rates, and zero down payment options, making homeownership more accessible.

Whether you're looking for a cozy cottage, a spacious family home, or a charming farmhouse, Ellensburg offers a diverse range of properties to suit every taste and budget. From historic homes with character to modern new builds, you'll find a variety of options to choose from.

So, if you're ready to make Ellensburg your home, take advantage of the USDA loan terms available and start your search for the perfect property in this beautiful city. Experience the best of small-town living with the convenience of nearby amenities and the stunning natural beauty that surrounds Ellensburg.

Newest Ellensburg Homes with USDA Loan Terms

$599,900
3 Beds ⋅ 3 Baths ⋅ 2572533 MLS ⋅ ACTIVE Status
New construction in Kittitas with stunning Kittitas Valley views just completed! Well laid out 3 bedroom 2 bath floor plan with open concept. 1700 square feet of living space. Large vaulted great room with cozy propane fireplace and ceiling fan. Custom kitchen with knotty alder cabinets, granite counter tops, SS appliances including microwave, refrigerator, and baker's island. Tiled prim ary and main bathrooms. Forced air heating and cooling. Custom stucco exterior. Wind blocked patio perfect for entertaining. 3 car attached garage with separate 1/2 bath. Level 3 acres of irrigated KRD with partial slope. Plenty of room for future shop or barn. Stunning panoramic views of surrounding hills, Mountains, and Valley! Peaceful country location.

240 Windrow Lane, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$410,000
3 Beds ⋅ 2 Baths ⋅ 2568641 MLS ⋅ ACTIVE Status
Escape to your own 20-acre country paradise in Kittitas County! This maintained 3-bedroom, 2-bathroom manufactured home offers the perfect blend of modern comfort and wide-open spaces. Enjoy panoramic mountain views, peaceful privacy, and endless room to roam, garden. Inside, the spacious layout features a bright kitchen, a relaxing primary suite, and plenty of storage. Located just minutes from downtown Ellensburg, WA, this property combines quiet rural living with easy access to local amenities, Central Washington University, and outdoor recreation. Bring your horses, your toys, and your vision!

7560 Lower Green Canyon Rd, Ellensburg

Listing courtesy of John L. Scott RE Cle Elum.

$610,000
3 Beds ⋅ 2 Baths ⋅ 2563955 MLS ⋅ ACTIVE Status
Well-maintained single-story resale in desirable Kestrel Point featuring 3 bedrooms plus a den. The open floor plan offers comfortable living with beautiful quartz countertops throughout and thoughtful upgrades that add value. All kitchen appliances, washer & dryer, hot tub, and storage shed are included. The finished garage features an epoxy-coated floor, utility sink, and 220-volt outlet. An additional 220-volt outlet is located on the back patio for the hot tub. The great room is enhanced with a ceiling fan for added comfort. Move-in ready with upgrades already in place!

202 E Stanford Avenue, Ellensburg

Listing courtesy of Windermere R. E. Ellensburg.

$399,900
3 Beds ⋅ 2 Baths ⋅ 2552689 MLS ⋅ ACTIVE Status
Choose your colors if you're in time! Local builder & NO HOA DUES! New 3 bed/2 bath, 1,365sqft home has a modern space designed w/ comfort & functionality in mind. The quality-built house features solid-wood cabinets, quartz counters, & easy-maint. vinyl plank floors. The primary bed. is spacious & has attached bath w/ walk-in shower & closet, & big dble vanity for getting ready for the day. The kitchen is open to the living/dining areas with a useful breakfast bar/island for a place to sit. A glass slider door lets in natural light & leads you to a fenced back yard & patio for those summer BBQs. A separate laundry room is also a nice feature in this plan. Finished 2-car garage & efficiently heated/cooled w/ mini-split heat pumps. Fiber internet too! Under constr. Completion approximately mid October. Most photos of similar finished home.(Some pictures virtually staged).

2604 N Emery Street, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$399,900
3 Beds ⋅ 2 Baths ⋅ 2551846 MLS ⋅ ACTIVE Status
Choose your colors if you're in time! Local builder & NO HOA DUES! New 3 bed/2 bath, 1,365sqft home has a modern space designed w/ comfort & functionality in mind. The quality-built house features solid-wood cabinets, quartz counters, & easy-maint. vinyl plank floors. The primary bed. is spacious & has attached bath w/ walk-in shower & closet, & big dble vanity for getting ready for the day. The kitchen is open to the living/dining areas with a useful breakfast bar/island for a place to sit. A glass slider door lets in natural light & leads you to a fenced back yard & patio for those summer BBQs. A separate laundry room is also a nice feature in this plan. Finished 2-car garage & efficiently heated/cooled w/ mini-split heat pumps. Fiber internet too! Under constr. Completion approximately mid October. Most photos of similar finished home.(Some pictures virtually staged).

2606 N Emery Street, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$799,999
3 Beds ⋅ 3 Baths ⋅ 2550149 MLS ⋅ ACTIVE Status
Enjoy country living in this 2017 built 2595 sqft, 3 bedroom, 2.5 bathroom, single level home on 3 acres! Cozy up to the fire place or have fun entertaining in the living room and spacious kitchen with gas cooktop, soft close cabinets, and quartz countertops. The primary suite fills with natural light and features an attached primary bathroom with walk in closet, dual vanity, & shower. Wonderful split floor plan with 2 guest bedrooms and office on the other side of the home. Bonus room above the garage. Protected patio area for BBQ's, relaxing, and having fun! Enjoy the landscaped large yard with underground sprinklers and garden space or bring your animals to the level pasture with irrigation. Outbuildings include a small shop, tack shed, hay shed, 3 run in sheds with gated paddock, and a 60 foot round pen! 2 car attached garage gives you plenty of room for your cars, projects, or toys. Roof top solar for energy savings. Just minutes from Ellensburg, Kittitas, and CWU!

60 Trinity Lane, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$459,000
4 Beds ⋅ 2 Baths ⋅ 2550295 MLS ⋅ ACTIVE Status
It’s rare to find a property that pairs effortless elegance with practical daily function, but this updated 4-bedroom home delivers exactly that. Spanning 1,520 square feet across two levels, the layout features a bright, airy open-concept living and kitchen area designed for flexibility & flow. The newly renovated kitchen is a true centerpiece, tastefully styled with beautiful quartz countertops, functional open shelving, and timeless forest green shaker cabinetry. The main floor offers the easy convenience of a primary bedroom complete w/ a private en suite bathroom featuring quartz vanity and tiled 3/4 shower. Upstairs, you will find three additional comfortable, sunlit guest bedrooms and a full bathroom, providing plenty of versatile space for guests, hobbies, or a quiet home office. Set on a generous 8,989-square-foot lot, the outdoor space is just as functional as the interior. The fully fenced backyard is a secure spot for outdoor activities and relaxation, featuring a large patio for weekend barbecues, an underground sprinkler system to keep the lawn vibrant, and an attached 2-car garage for extra storage and parking. To top it all off, this move-in-ready home is ideally situated just minutes from downtown Ellensburg and Central Washington University.

2417 N Water Street, Ellensburg

Listing courtesy of BHHS Brick & Mortar RE.

$775,000
3 Beds ⋅ 3 Baths ⋅ 2541377 MLS ⋅ ACTIVE Status
Experience country living on 4.39 acres in the desirable Bitterbrush community, featuring this custom-built home offering quality construction, space, and privacy. This 2,576 sq ft residence includes 3 bedrooms, 2.5 bathrooms, and a versatile rec room providing flexible use for entertainment, hobbies, or additional living space. The open-concept floor plan features a well-appointed kitchen with granite countertops, double ovens, a large island, and a butler’s kitchen, opening to spacious living and dining areas with abundant natural light. Interior walls are fully insulated to reduce noise and enhance interior comfort. The primary suite offers a private retreat, complemented by generously sized secondary bedrooms. Exterior amenities include a 50 AMP RV hookup for added convenience. Additional features include a Rheem 80-gallon electric hot water tank. Enjoy views of Kittitas County with open landscapes, wide skies, and a rural setting that showcases the natural surroundings of Central Washington. The property offers both sunrises and sunsets. Conveniently located just minutes from Ellensburg in the Thorp School District, this home offers a blend of thoughtful design, functionality, and country setting.

1510 Bitterbrush Drive, Ellensburg

Listing courtesy of BHHS Brick & Mortar RE.

$799,900
3 Beds ⋅ 2 Baths ⋅ 2543099 MLS ⋅ ACTIVE Status
Beautiful Westside Rambler! Priced below appraisal! Three bedroom 2 bath open floor plan with 2383 square feet of living space. Living room with gas fireplace, country kitchen with eating space, granite counter tops, all appliances included, primary bedroom has attached bathroom with soaking tub, vaulted ceilings, ceiling fan, rec room with wood fireplace, laminate flooring and tile, attached 3 car garage, underground sprinklers, fully fenced, 1728 sf barn with tack room, 864 sf shop, 288 sf outbuilding, round pen for horses, irrigated 3 acres with 1 share of Westside senior water rights, with spectacular Kittitas Valley View, close to Ellensburg Golf Course.

1551 S Thorp Highway, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$339,999
3 Beds ⋅ 2 Baths ⋅ 2530744 MLS ⋅ ACTIVE Status
Spacious 3-bedroom, 1.5 bath home offering 2086 sf of comfortable living space in a convenient location close to downtown, shopping, restaurants and schools. The inviting living room features large windows that fill the space with natural light and a cozy fireplace perfect for relaxing evenings. Enjoy outdoor living and entertaining on the private patio. Additional highlights include a 2-car attached garage and a functional layout with plenty of room to live work and gather.

203 N Walnut Street, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$879,950
3 Beds ⋅ 3 Baths ⋅ 2525569 MLS ⋅ ACTIVE Status
Do not miss out on this one-of-a-kind opportunity to enjoy country living just five minutes from town. This beautifully maintained property offers nearly 7 acres with stunning 360-degree views of the valley and an impressive list of amenities. The spacious 3-bedroom, 2.25-bath rambler features comfortable living spaces throughout, including a large bonus room, kitchen pantry, and a newly remodeled primary bathroom. Both the interior and exterior of the home have been meticulously cared for, with recent system upgrades including a newer heating and cooling unit and a lifetime warranty roof. Mature landscaping surrounds the home, creating a peaceful and private setting. The property is well-equipped for hobbies, livestock, or agricultural use. A large shop includes an oversized RV door, heated main workspace, hobby room, walk-in cooler, and an additional one-car garage bay. A large poured concrete slab is ready for your greenhouse setup. The barn features stalls, a tack room, and round pen, while approximately 2 acres of the property have been utilized for hay production. This rare property combines the convenience of nearby town amenities with the beauty and functionality of country living.

1231 Game Farm Road, Ellensburg

Listing courtesy of RE/MAX Community One Realty.

$462,500
3 Beds ⋅ 2 Baths ⋅ 2524398 MLS ⋅ CONTINGENT Status
Tucked along the peaceful, tree-lined banks of Coleman Creek, this storybook farmhouse offers the perfect blend of timeless character and modern-day comfort on .53 acres just minutes from Ellensburg. Originally built over 100 years ago and thoughtfully remodeled in 2009 with additional exterior updates completed in 2023, this one-of-a-kind property is full of warmth, charm, and natural beauty. Inside, the 1,764 sq. ft. home features 3 bedrooms, 2 full baths, updated upstairs flooring, and a cozy living room with a newer propane fireplace—creating the perfect space to relax year-round. The office captures stunning Mt. Stuart views, making working from home feel anything but ordinary. Step outside and experience the magic of creekside living. Enjoy morning coffee or evening sunsets from the deck while listening to Coleman Creek flow by, or gather around the fire pit under the stars. Raised garden beds offer space for flowers, herbs, or your own mini homestead, while the opposite side of the creek provides additional flexibility with a separate entrance and room for RV parking. Properties like this rarely come available—private, picturesque, and filled with character, all while being conveniently close to town.

4581 Kittitas Hwy, Ellensburg

Listing courtesy of Larsen Properties Realty, LLC.

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