Kelso Homes with USDA Loan Terms

Kelso Homes with USDA Loan Terms

Kelso, a city located in Cowlitz County, Washington, is a charming place to call home. Situated in the beautiful Pacific Northwest region of the United States, Kelso offers a unique blend of natural beauty and urban amenities.

As part of Cowlitz County, Kelso benefits from its proximity to stunning landscapes, including the majestic Mount St. Helens and the scenic Columbia River. Residents can enjoy a variety of outdoor activities such as hiking, fishing, and boating in the area's numerous parks and recreational areas.

Kelso is also known for its friendly community and welcoming atmosphere. The city boasts a range of amenities, including shopping centers, restaurants, and entertainment options, ensuring that residents have everything they need within reach.

For those looking to purchase a home in Kelso, the availability of USDA loan terms is a significant advantage. USDA loans are a type of mortgage that allows eligible homebuyers to purchase properties in rural areas with favorable terms, including low-interest rates and no down payment requirements. This makes homeownership more accessible and affordable for individuals and families in Kelso who meet the criteria.

Whether you're drawn to Kelso for its natural beauty, community spirit, or the opportunity to secure a home with USDA loan terms, this city offers a fantastic place to live, work, and play. With its convenient location and abundant amenities, Kelso is a hidden gem in the heart of Washington state.

Newest Kelso Homes with USDA Loan Terms

$424,900
3 Beds ⋅ 3 Baths ⋅ 2560385 MLS ⋅ ACTIVE Status
Beautifully updated and move-in ready 3-bedroom, 2.25 bathroom single-level home in the desirable Lexington neighborhood! Vaulted ceilings and abundant natural light create a bright, inviting feel throughout. Features include updated bathrooms, an updated laundry room, a spacious primary suite with an en-suite bathroom, a large living room, and a separate family room. Enjoy the fully fenced backyard with a covered patio, plenty of shade for warm summer days, and a storage shed. Outside you'll also find a second driveway, an attached two-car garage, and a covered storage area that's perfect for storing lawn equipment, ATVs, side-by-sides, tools and more! Professionally cleaned and conveniently located just minutes from town, parks, I-5, and Lexington Elementary.

236 Sparks Drive, Kelso

Listing courtesy of Realty One Group Pacifica.

$399,000
3 Beds ⋅ 2 Baths ⋅ 2561473 MLS ⋅ ACTIVE Status
Move in ready and priced with purpose! This 3 bed, 2 bath ranch home offers single level living with the updates buyers appreciate, including a newer roof and brand new carpet! You'll also enjoy a 2 car attached garage, forced air heating and a spacious primary suite complete with en suite bath and walk in closet. The deck extends your living space outdoors to a fully fenced backyard that is equally happy hosting friends or an enthusiastic golden retriever!

106 Mission, Kelso

Listing courtesy of Century 21 Northstar.

$585,000
3 Beds ⋅ 2 Baths ⋅ 2545002 MLS ⋅ ACTIVE Status
This charming single-level home offers the perfect blend of comfort, space, and convenience. Ideally located just five minutes from the freeway and Kelso schools, it provides easy access while maintaining a peaceful, spacious setting.Inside, you’ll find three bedrooms and two bathrooms, including a primary suite featuring a large bedroom, walk-in closet, and a relaxing jetted tub. The living and dining areas have beautiful wood flooring and large windows that are just perfect for indoor plants.The home is equipped with natural gas appliances, including a cook stove, water heater, and a cozy heating stove in the dining room.Situated on a full acre, the property offers exceptional versatility. In addition to the home, there’s a large 1,200+ square foot garage with a loft, a small barn, and a fenced garden area—perfect for hobbies, storage, or future expansion.Recent upgrades include a new roof and foundation, providing peace of mind for years to come.

2102 Mt Brynion Road, Kelso

Listing courtesy of Windermere Northwest Living.

$595,000
4 Beds ⋅ 3 Baths ⋅ 2543329 MLS ⋅ ACTIVE Status
Country living with the convenience of being just minutes from town and I-5! This spacious 4-bedroom, 2.75-bath home offers room for everyone, featuring generously sized bedrooms, abundant cabinet storage, and a primary suite with a walk-in closet and updated bathroom. Step outside onto the large deck overlooking the backyard and enjoy peaceful views as wildlife passes by. The daylight basement offers incredible flexibility with its own private entrance, kitchen, bedroom, full bathroom, and additional living space—perfect for multigenerational living, guests, or potential rental income. Outside, you’ll find plenty of room for all your vehicles, toys, and hobbies with an attached 2-car garage, oversized driveway, and large shop with space for RV parking, trucks, and more. The shop also offers room for a home gym, workshop, or hobby space, and is plumbed for a future bathroom, making it easy to customize to your lifestyle. Brand new septic system installed July 2026 for added value and peace of mind! Situated on 1.36 acres, this property offers a sense of privacy while still being close to everyday conveniences. Don’t miss your chance to enjoy the best of both worlds—peaceful country living with easy access to town!

1921 Mt Brynion Road, Kelso

Listing courtesy of Realty One Group Pacifica.

$530,000
4 Beds ⋅ 3 Baths ⋅ 2539725 MLS ⋅ ACTIVE Status
Built in 2020, this stunning 4-bedroom, 2.5-bath home offers 2,344 sq ft of modern living on 5 flat acres. The open-concept great room is made for gathering, while the chef's kitchen impresses with granite countertops and stainless appliances. Retreat to the spacious primary suite featuring a luxurious ensuite with dual sinks and hard surface counters. The seller is currently putting the finishing touches on interior paint, making this the perfect opportunity to move in fresh and clean. Step outside to your covered patio and start envisioning the pool, the garden, the oasis — it's all yours to create. And when adventure calls, Cowlitz River access is just down Flatt Rd — one of the Pacific Northwest's premier fishing rivers, known for salmon and steelhead runs that anglers dream about.

235 Flatt Road, Kelso

Listing courtesy of RE/MAX Premier Group.

$374,000
2 Beds ⋅ 2 Baths ⋅ 2531709 MLS ⋅ ACTIVE Status
Welcome to your peaceful country retreat! This charming 2-bedroom, 1-bath home offers the perfect blend of rural tranquility and modern convenience. Designed with single-level living and an open floor plan, the home feels bright, welcoming, and functional. Large windows fill the living space with natural light, while the seamless flow between the living room, dining area, and kitchen makes everyday living and entertaining easy. The kitchen features ample cabinetry, generous counter space, and modern appliances. Both bedrooms are comfortably sized, and the bathroom includes tasteful updates and modern finishes. Outside, the expansive yard offers plenty of room for gardening, recreation, or simply relaxing and enjoying the peaceful surroundings. Unwind on the front porch while taking in views of the nearby creek and listening to the sounds of nature. Conveniently located near I-5, this home provides easy access to nearby towns and amenities while still offering the serenity of country living. Don’t miss the opportunity to make this charming property your own—schedule your showing today!

131 McGeary Road, Kelso

Listing courtesy of RE/MAX Premier Group.

$630,000
4 Beds ⋅ 4 Baths ⋅ 2528217 MLS ⋅ ACTIVE Status
Experience space and privacy on 5 acres with community sandy beach access to the Cowlitz River. This 4 bed, 3.5 bath, 2,448 sq ft home built in 2018 blends comfort, tech, and thoughtful design, plus a large 1,064 sq ft garage for cars, gear, and a workspace. This home features: Large primary suite retreat with spa-like bath, heated tile floors, and an oversized walk-in closet. Second primary bedroom with its own en-suite and walk-in, ideal for multigenerational living or guests. Bedrooms 3 and 4 share a Jack-and-Jill bath with separate vanities for privacy and ease. Spacious eat-in kitchen with soft-close cabinetry and quartz countertops. New flooring throughout the home. Fully fenced, sprinklered backyard designed for play, pets, and gatherings. Expansive level lot with abundant extra parking and gated space for RVs and toys. Smart infrastructure throughout includes 400-amp service, whole-home audio inside and out, hardwired internet to every room, and security prewire at every door and window. Everyday efficiency with a tankless water heater. Community perk of a short stroll to the sandy river beach for fishing, play, or relaxing. This property is a rare blend of privacy, function, and space, all set up beautifully for modern living and effortless entertaining and relaxation.

249 Flatt Road, Kelso

Listing courtesy of Windermere Northwest Living.

$479,000
4 Beds ⋅ 3 Baths ⋅ 2528846 MLS ⋅ ACTIVE Status
Updated 5 bedroom home with fresh finishes throughout! Interior features all new paint, flooring & lighting. Spacious living room with bay window. Remodeled kitchen with new cabinets, quartz counters & stainless appliances. Family room off kitchen gives plenty of space for hobbies. Primary suite offers a walk-in closet and attached bath. Attached 2 car garage, covered front porch & fenced backyard with patio. New exterior paint & landscaping adds great curb appeal. Move-in ready and waiting for you! Zero down, USDA financing available!

141 Vermillion Road, Kelso

Listing courtesy of eXp Realty.

$494,950
3 Beds ⋅ 2 Baths ⋅ 2521074 MLS ⋅ ACTIVE Status
Move-In READY!! Welcome to "Maxwell Farms"... Located in the recreational HUB of the Pacific NW with easy access to schools, shopping & parks, featuring amazing new homes built by "Karlsen Development" (A locally owned family of builders here in SW Washington for over 40 years), known for their attention to detail, quality of construction & unique designs...creating lovely, low-maintenance homes that will last generations...Because this community will be called a"Lifestyle Park," each house will be uniformly fenced and landscaped with sprinklers, front & back, maintaining the same theme throughout the neighborhood... something unique. This single-level home will also feature all the popular amenities that everybody wants, seemingly larger than 1500 SF.

523 Rainbow Way, Kelso

Listing courtesy of RE/MAX Premier Group.

$799,900
3 Beds ⋅ 3 Baths ⋅ 2479185 MLS ⋅ ACTIVE Status
Well-maintained one-level home with 3 bedrooms and 3 bathrooms featuring an updated kitchen with extended shaker cabinets, quartz countertops, oversized island, stainless appliances, and walk-in pantry. Updated bathrooms include tile, quartz counters, dual sinks, and walk-in shower. Recent interior paint, new carpet, LED lighting, and quality finishes throughout. Large primary suite offers a walk-in closet, built-ins, and access to the enclosed hot tub area. Bonus loft approx. 18' x 43' provides flexible space and storage. Roof approx. 8 years old. Extensive parking with 3-car garage, RV parking, shops, barn, and multiple outbuildings/shop that are available to view. Fully developed backyard with outdoor kitchen, gazebo, gardens, greenhouses, and fruit trees.

4154 MT Brynion Rd, Kelso

Listing courtesy of eXp Realty.

$700,000
3 Beds ⋅ 4 Baths ⋅ 2471541 MLS ⋅ ACTIVE Status
Modern home offering a well-designed floor plan with convenient access to I-5 and nearby services. This custom-built residence, approximately two years old, features quality finishes and territorial sunset views. The open-concept layout includes a spacious living area, kitchen with island, loft, balcony, dedicated office space, and a generous primary suite. Two additional bedrooms share a Jack-and-Jill bathroom.The kitchen is equipped with stainless steel appliances, including a six-burner gas cooktop with griddle and wall-mounted double ovens. Ductless heat pumps provide efficient heating and cooling, complemented by a gas fireplace. Attached three-car garage with additional storage.Outdoor spaces include a balcony suitable for outdoor use and a more private rear patio. The home is clean, move-in ready, and offers flexibility in use and layout. Information deemed reliable but not guaranteed; buyers to verify all details to their satisfaction.

133 Cedar Falls Drive, Kelso

Listing courtesy of Century 21 Northstar.

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