Gig Harbor Homes with USDA Loan Terms

Gig Harbor Homes with USDA Loan Terms

Gig Harbor: A Charming City in Washington State

Located in Pierce County, Washington, Gig Harbor is a picturesque city that offers a perfect blend of natural beauty and small-town charm. Situated on the shores of the Puget Sound, this waterfront community is known for its stunning views, vibrant downtown area, and strong sense of community.

Gig Harbor boasts a rich history, dating back to the mid-1800s when it was a bustling fishing village. Today, it has evolved into a sought-after destination for those seeking a peaceful and idyllic lifestyle. The city's downtown area is lined with charming boutiques, art galleries, and restaurants, offering residents and visitors a delightful shopping and dining experience.

One notable aspect of Gig Harbor's real estate market is the availability of homes with USDA loan terms. True to its commitment to supporting rural development, the United States Department of Agriculture (USDA) offers loans with favorable terms for eligible homebuyers in certain areas, including Gig Harbor. These loans provide low-interest rates and flexible financing options, making homeownership more accessible for those who qualify.

With its scenic beauty and strong community spirit, Gig Harbor is an ideal place to call home. Whether you're looking for a waterfront property with breathtaking views or a cozy home in a peaceful neighborhood, Gig Harbor has something to offer for everyone.

If you're considering making Gig Harbor your home, reach out to a local real estate agent who can guide you through the process and help you find the perfect property that meets your needs and budget.

Newest Gig Harbor Homes with USDA Loan Terms

$798,000
3 Beds ⋅ 3 Baths ⋅ 2571792 MLS ⋅ ACTIVE Status
Beautifully maintained and thoughtfully updated, this inviting Gig Harbor home offers a wonderful combination of space, comfort and convenience. Vaulted ceilings and abundant natural light create an open, airy feel throughout the main living areas, while the updated kitchen features quartz countertops, stainless steel appliances and generous workspace for everyday living and entertaining. Living room offers a charming gas fireplace. Offering 3 bedrooms and 2.75 baths, an office and an extra finished room, the home provides a versatile floor plan with spacious living areas and room to make your own. Outside, enjoy a large, beautifully maintained lot complete with a sprinkler system and plenty of space to relax, garden, or entertain. An oversized 3-car garage provides excellent parking and additional storage.Tucked into a quiet, established neighborhood, this home enjoys an ideal Gig Harbor location just minutes from Canterwood Golf & Country Club, St. Anthony Hospital, shopping, dining and everyday amenities. Beautifully cared for and move-in ready, this is a wonderful opportunity to enjoy the Gig Harbor lifestyle in a peaceful setting with exceptional convenience.

13920 51st Avenue NW, Gig Harbor

Listing courtesy of eXp Realty.

$624,900
3 Beds ⋅ 3 Baths ⋅ 2566204 MLS ⋅ ACTIVE Status
Surrounded by mature landscaping, this home offers a private backyard retreat with a tranquil water feature, an outdoor hot tub, and a freshly sanded and repainted wood deck that’s perfect for summer barbecues, morning coffee, or unwinding as the evening sun settles in. The home’s east-facing orientation fills the front rooms with beautiful morning light while the backyard enjoys warm afternoon and evening sunshine. Inside, the split-level design offers both comfortable everyday living and inviting spaces for entertaining. Gather around fireplace, enjoy meals in the eat-in kitchen or separate dining room, and host friends with the wet bar just off the family room. A dedicated laundry room and durable engineered hardwood, ceramic tile, and laminate flooring make daily life as practical as it is comfortable.Located in the established Olympic Sunset West neighborhood, you’ll also enjoy access to a community tennis court and the convenience of being just minutes from Highway 16, shopping, dining, and nearby schools.

14214 56th Avenue NW, Gig Harbor

Listing courtesy of Neighborhood Experts Real Est..

$1,680,000
4 Beds ⋅ 3 Baths ⋅ 2566124 MLS ⋅ ACTIVE Status
Set at the end of a cul-de-sac, this turn-key two-story Gig Harbor home offers Puget Sound views and designer finishes throughout.A formal dining space opens to the kitchen and steps down into the formal living room, giving the main floor an open, easy rhythm. Fireplaces warm both the living room and the family room, and a walk-in pantry serves the kitchen. Central air conditioning, forced-air heat, a tankless water heater, and a brand-new septic system round out the essentials.Upstairs, the primary suite is a retreat of its own, with a fireplace, a private bath with soaking tub, and a walk-in closet.Outside is where this property separates itself. Professionally designed hardscaping and landscaping shape the .366-acre grounds into a beautiful outdoor setting, private and finished. An attached three-car garage leaves room for vehicles, storage, and projects.One Point Fosdick is a gated community with community beach access, close-in and commute-friendly: minutes to Uptown Gig Harbor shopping and dining, and a short drive to the Narrows Bridge for Tacoma and Seattle.

21 33rd Avenue Ct NW, Gig Harbor

Listing courtesy of Neighborhood Experts Real Est..

$599,850
3 Beds ⋅ 2 Baths ⋅ 2561873 MLS ⋅ ACTIVE Status
New refreshed price, same exceptional home: this updated 3-bedroom, 2-bathroom home in Gig Harbor's Artondale neighborhood is offered at a price that reflects just how much has been done here. Nestled among peaceful, tree-lined surroundings with easy access to town, you're minutes from Hwy 16, Wollochet Bay, top-rated schools, and all the shopping, dining, and waterfront charm Gig Harbor is known for, while still enjoying a quiet, spacious lot. The 1,480-square-foot home has a fully remodeled kitchen with new cabinetry and counters, a remodeled secondary living space, and a second bathroom was recently added for everyday convenience. Comfortable living and dining areas give room to spread out, and the lower level offers flexible space for additional living. Outside, enjoy mature fruit trees, a storage shed, and a patio, all set on a generous 0.26-acre, well-kept lot. Major systems have been updated too: a brand-new septic system, new roof and gutters in 2021, and fresh exterior paint in 2023. Move-in ready, thoughtfully updated, this is one of Artondale's best opportunities. Tour before it’s gone!

7707 35th Street NW, Gig Harbor

Listing courtesy of Keller Williams Rty Tacoma.

$899,950
3 Beds ⋅ 2 Baths ⋅ 2559134 MLS ⋅ ACTIVE Status
Tucked away at the end of tree-lined driveway, this remodeled retreat invites you to experience the peaceful lifestyle that makes Gig Harbor so beloved.As the evergreens give way, you'll discover 5 ac where nature & tranquility come together in perfect harmony.Thoughtfully renovated from top to bottom, from new roof to a chef's dream kitchen, this stunning 2-story home offers 3 bdrms with utmost privacy creating a quiet oasis far from the hustle and bustle of the sunken LR, and 2 updated ba, blending modern finishes with the warmth and comfort of NW living. Every space has been designed to feel welcoming, bright, and ready for the next chapter. Step outside and let your imagination wander. Whether you've dreamed of creating gardens, adding a shop, enjoying recreational space, or simply embracing the serenity of your own private sanctuary, these 5 acres offer endless possibilities. Towering evergreens frame the property, creating a picturesque setting that's both peaceful and secluded. Despite its private setting, you're just minutes from the charm of downtown Gig Harbor, where waterfront dining, shopping, marinas, parks, & community events await. Here, you'll enjoy the rare balance of quiet country living with the convenience of one of the Pacific Northwest's most treasured coastal communities. Come home to privacy, beauty, & limitless potential where every drive down the winding lane feels like an escape, and every day begins surrounded by the timeless beauty of the PNW.

3002 138th Street NW, Gig Harbor

Listing courtesy of John L. Scott, Inc..

$765,000
4 Beds ⋅ 3 Baths ⋅ 2554035 MLS ⋅ ACTIVE Status
Welcome home to High Ridge View, one of Gig Harbor's most desirable neighborhoods! This beautiful one-owner home combines timeless design with thoughtful updates and an ideal location just minutes from the Tacoma Narrows Bridge, offering an easy commute while enjoying the peace and privacy of Gig Harbor living. Set on a private .445-acre lot, the nearly half-acre property boasts a level backyard and an expansive deck with both covered and open spaces—perfect for entertaining or relaxing outdoors. Inside, you'll find 1,900 sq ft of light-filled living space featuring fresh interior paint, all new flooring, brand new stainless steel appliances, new sinks and faucets, a new furnace (2025), and newer water heater (2023). The traditional floor plan offers formal living and dining rooms, while the open kitchen overlooks the inviting family room with a cozy gas fireplace. Upstairs, the spacious primary suite features a 5-piece bath and walk-in closet, accompanied by three additional bedrooms. Complete with a 3-car garage w/loft for storage and just minutes from Uptown, the Cushman Trail, shopping, dining, and everyday conveniences, this is a rare opportunity to own a great home in an exceptional location. Schedule an appointment to see it today!

202 35th Avenue Ct NW, Gig Harbor

Listing courtesy of Windermere Prof Partners.

$1,775,000
2 Beds ⋅ 3 Baths ⋅ 2543732 MLS ⋅ ACTIVE Status
Rare Cromwell waterfront offering with a private pier, permitted buoy (currently in progress), tideland rights, and 86 feet of south-facing frontage along Hale Passage. Enjoy sweeping views from the Olympic Mountains to Mt. Rainier, with the Fox Island Bridge and lighthouse beautifully framed across the water. Sun-drenched and thoughtfully updated, this home features a large view deck, outdoor shower, and a private path with newly completed stairs leading to the pier and sitting dock at high tide. Ideal for boating, kayaking, paddleboarding, or simply enjoying the ever-changing waterfront scenery. Inside, the home is bright and inviting, featuring a flexible main-level layout with beautifully updated living spaces, a stunning kitchen with an oversized refrigerator, and an impressive walk-in pantry designed for everyday living and entertaining. The home has two-bedrooms upstairs and a fully finished lower level with multiple flexible living spaces, including guest accommodations, recreation and fitness areas, a full bath, laundry, and generous storage. Additional improvements completed in 2023 include updated interiors, retaining walls, landscaping, cedar fencing, and a freshly seal-coated driveway. A rare opportunity to own a beautifully updated waterfront home in one of Gig Harbor's most sought-after neighborhoods.

6139 Cromwell Dr NW, Gig Harbor

Listing courtesy of Better Properties Real Estate.

$480,000
4 Beds ⋅ 2 Baths ⋅ 2543947 MLS ⋅ ACTIVE Status
Exceptional opportunity to claim your spot in Gig Harbor's wonderful Rosedale neighborhood. This thoughtfully designed, single level, split-bedroom floor plan combines convenience and comfort. The primary suite serves as a quiet retreat featuring a spacious walk-in closet and a 5 pc ensuite bath. On the opposite end, you'll find three bedrooms, a full bath, and a dedicated laundry room. At the heart of the home, a massive kitchen island with breakfast bar seating anchors the open-concept great room, flowing into the living and dining areas. Vaulted ceilings and strategic skylights flood the entire space with natural light. Positioned perfectly on a large, level lot with a fully fenced back yard, this home blends an excellent location with everyday functionality.

6902 87th Street NW, Gig Harbor

Listing courtesy of Windermere Prof Partners.

$650,000
3 Beds ⋅ 3 Baths ⋅ 2540101 MLS ⋅ ACTIVE Status
Excellent location in quiet, wooded cul-de-sac that gives a peaceful, safe feel away from highway noise, just minutes to Gig Harbor's downtown waterfront, uptown shopping, premium school distruct, commuter friendly and walk to the new Peninsula Gardens Park (coming 2027). Possible Airbnb potential due to location and no HOA's. Gardener's dream yard: entertain and enjoy evening dinners on large flagstone patio surrounded by a lush landscape, gorgeous flowers & trees to bloom year-round and a large deck to enjoy it all! Features large, open concept kitchen with SS appliances, double pantry, plenty of drawers and cabinets, breakfast bar + eat-in area with a lovely bay window to look out over the natural scenery and open to a cozy family room with a lovely natural gas brick fireplace. Living room has a vaulted ceiling and is open to a formal dining room, both rooms offering bay windows providing soft natural light. The upper level has a huge primary suite with a wall of windows to enjoy the backyard oasis, plus a very large walk-in, and 5-piece bathroom with both a large soak tub and a separate shower plus double vanity. Two more bedrooms both with large closets, plus a full guest bath complete the upstairs. On the main floor is a 1/2 guest bath and a convenient laundry room off the family room. Garage is large for xtra storage and a walk-in space accessed via door under the deck for more possible storage. A special location with tons of potential--schedule your showing today!

5916 53rd Avenue NW, Gig Harbor

Listing courtesy of HomeSmart Real Estate Assoc.

$460,000
3 Beds ⋅ 1 Baths ⋅ 2522564 MLS ⋅ ACTIVE Status
Improved price! This lovely bright 3 bedroom 1 bath home home is tucked away on a cul de sac in the Gig Harbor's Minter area. PROFESSIONALLY INSTALLED NEW ROOF WITH WARRANTY INSTALLED IN MARCH, some fresh paint, granite counter tops, S/S appliances, wood laminate flooring, BATHROOM HAS HEATED FLOOR, white vinyl double pane windows, a fully fenced private back yard with a LARGE 10x20 separate shop/ outbuilding with cement floor, French doors and loft for storage. The covered front porch and private back deck are perfect places to enjoy a cup of coffee and beautiful yard with room to play. A carport along side of the house gives way to gated fenced back yard for your favorite dog. Great home with a great location near parks, freeways, Costco and medical facilities. Appliances included. No HOA's. Just private enjoyment of your own home.

10809 133rd Street NW, Gig Harbor

Listing courtesy of Keller Williams Realty.

$950,000
4 Beds ⋅ 3 Baths ⋅ 2520214 MLS ⋅ ACTIVE Status
Built in 2020 and tucked at the end of a quiet gated community of The Greens, this home has that rare “everyone takes care of their place” feel the moment you arrive. It’s the kind of neighborhood where things are calm, well-kept, and just…easy to enjoy. Step through the front door and the home opens up in all the right ways - vaulted ceilings, a striking stone fireplace, and a wall of windows that pulls the outdoors in. The kitchen was clearly designed for both real life and a little showing off, with quartz counters, white shaker cabinets, gas cooktop, and durable LVP flooring through both levels. The main-floor primary suite keeps things simple and comfortable with a walk-in closet, a roomy double shower and plumbed for a bathtub. There’s also a flexible office/den on the main that can step in as a guest space when needed. Upstairs, you’ll find two spacious bedrooms, a full bath, and a bonus room ready for movies, hobbies, or whatever life throws at you next. The home still feels fresh and thoughtfully finished, with a covered patio for year-round use and a 3-car tandem garage for all the extras. Backing to a greenbelt adds a layer of privacy that’s hard to come by. The neighborhood itself is a Condo Air Space Community with a shared drain field, and the bioswales lining the streets aren’t just a nice touch - they’re part of a smart, environmentally friendly design. Low-maintenance living, a strong sense of pride throughout, and a setting that feels right.

3607 119th Street Ct NW, Gig Harbor

Listing courtesy of Windermere Prof Partners.

$950,000
4 Beds ⋅ 3 Baths ⋅ 2519532 MLS ⋅ ACTIVE Status
Built in 2020 and tucked at the end of a quiet gated community of The Greens, this home has that rare “everyone takes care of their place” feel the moment you arrive. It’s the kind of neighborhood where things are calm, well-kept, and just…easy to enjoy. Step through the front door and the home opens up in all the right ways - vaulted ceilings, a striking stone fireplace, and a wall of windows that pulls the outdoors in. The kitchen was clearly designed for both real life and a little showing off, with quartz counters, white shaker cabinets, gas cooktop, and durable LVP flooring through both levels. The main-floor primary suite keeps things simple and comfortable with a walk-in closet, a roomy double shower and plumbed for a bathtub. There’s also a flexible office/den on the main that can step in as a guest space when needed. Upstairs, you’ll find two spacious bedrooms, a full bath, and a bonus room ready for movies, hobbies, or whatever life throws at you next. The home still feels fresh and thoughtfully finished, with a covered patio for year-round use and a 3-car tandem garage for all the extras. Backing to a greenbelt adds a layer of privacy that’s hard to come by. The neighborhood itself is a Condo Air Space Community with a shared drain field, and the bioswales lining the streets aren’t just a nice touch - they’re part of a smart, environmentally friendly design. Low-maintenance living, a strong sense of pride throughout, and a setting that feels right.

3607 119th Street Ct NW, Gig Harbor

Listing courtesy of Windermere Prof Partners.

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