Olympia Homes with USDA Loan Terms

Olympia Homes with USDA Loan Terms

Located in Thurston County, Washington, the city of Olympia offers a charming and vibrant community for residents to call home. Situated in the beautiful Pacific Northwest region of the United States, Olympia is known for its natural beauty, thriving arts scene, and rich history.

As the capital of Washington state, Olympia boasts a variety of amenities and attractions. The city is home to the Washington State Capitol, where visitors can explore the stunning architecture and learn about the state's political history. The downtown area is filled with a diverse range of shops, restaurants, and entertainment venues, providing ample opportunities for residents to enjoy a day out on the town.

For those looking to settle down in Olympia, there are several homes available with USDA loan terms. The USDA loan program is designed to help low to moderate-income individuals and families purchase homes in eligible rural areas. With favorable terms such as low-interest rates and no down payment requirements, these loans make homeownership more accessible for many buyers.

Olympia offers a range of housing options, from historic homes in established neighborhoods to modern developments with all the amenities. Whether you're looking for a cozy bungalow or a spacious family home, there are plenty of options to suit every taste and budget.

With its picturesque surroundings, vibrant community, and affordable housing options, Olympia is an excellent place to consider for those looking to buy a home with USDA loan terms. Don't miss out on the opportunity to call this charming city your home.

Newest Olympia Homes with USDA Loan Terms

$419,950
2 Beds ⋅ 1 Baths ⋅ 2569069 MLS ⋅ ACTIVE Status
Welcome to this charming 2-bedroom, 1-bath home situated on a spacious corner lot in Olympia. The property offers a welcoming front yard, a 2-car garage, and a comfortable layout with plenty of opportunity to make the space your own. Step outside to enjoy the thoughtfully arranged backyard, featuring a gazebo that provides a great spot for outdoor dining or relaxing, along with a convenient storage shed. A separate sitting area tucked alongside the home offers another inviting space to enjoy the outdoors. With its corner-lot setting, generous yard space, 2-car garage, gazebo, shed, and multiple outdoor areas, this home offers a great combination of comfort, functionality, and outdoor living.

7847 SE Normandy Street, Olympia

Listing courtesy of eXp Realty.

$715,000
3 Beds ⋅ 3 Baths ⋅ 2562523 MLS ⋅ ACTIVE Status
Beautifully maintained home on almost .79 acres with peekaboo views of Pattison Lake in an established neighborhood with no HOA, on a quiet dead-end road minutes from all amenities. The fully fenced, south-facing backyard is a private retreat showcasing PNW native plantings, mature fruit bushes and trees, a large patio, covered fire pit gathering area, spacious dog run, RV and extra parking, outbuildings, back gate leading to fenced green space area for added flexibility. both front and backyard feature low-maintenance perennial landscaping. Inside, a dramatic two-story entry opens to a light-filled floor plan with a spacious kitchen featuring granite countertops overlooking the backyard, walk-in pantry, and open to the living room with gas fireplace, plus a private dining room for gatherings. A bay window highlights the office/flex space. The spacious primary suite offers a walk-in closet, soaking tub, large glass shower with dual heads, and vanities. Recent updates include a new furnace and A/C (2022), roof (2018), septic pump, and exterior paint. The oversized two-car garage includes a workshop area, and the .79-acre lot may offer ADU potential (buyer to verify with Thurston County). Enjoy the nearby WDFW public boat launch with year-round access to boating, kayaking, paddle boarding, and fishing on Pattison Lake, which is stocked with rainbow trout and other fish species. Don't miss the annual Trout Derby, a favorite local tradition.

7445 Fair Oakes Road SE, Olympia

Listing courtesy of Keller Williams South Sound.

$475,000
3 Beds ⋅ 2 Baths ⋅ 2561383 MLS ⋅ ACTIVE Status
Welcome to this beautifully maintained 3-bedroom, 1.75-bath home offering 1,484 square feet of comfortable living space, complete with a 2-car garage, RV parking with hookups, generator wiring for added peace of mind, and a wired speaker system for enhanced everyday living. Freshly repainted throughout the interior, this move-in-ready home features a spacious living room centered around a cozy wood-burning fireplace, a formal dining room with direct access to the backyard, and a functional kitchen designed for everyday living. Rich hardwood flooring flows throughout the main living areas, while both bathrooms feature heated floors, adding an extra touch of comfort and luxury. Just off the attached 2-car garage, you'll find a dedicated laundry room offering additional convenience and storage. Step outside to a fully fenced backyard featuring a spacious deck, perfect for entertaining, relaxing, or letting pets play. Two large storage sheds both with power provide exceptional versatility—one comes stocked with chopped firewood for the fireplace, making it an ideal workshop, hobby space, or additional storage. Mature landscaping in both the front and backyard creates a beautiful, established setting that enhances the home's curb appeal and provides year-round outdoor enjoyment. Conveniently located near schools, shopping, parks, and quick access to I-5 and JBLM, this home offers the perfect blend of comfort and convenience, you don't want to miss it!

2109 Mark Street NE, Olympia

Listing courtesy of Better Brokers.

$380,000
2 Beds ⋅ 2 Baths ⋅ 2540845 MLS ⋅ ACTIVE Status
Welcome to affordable homeownership in the desirable Scott Lake community! This newer manufactured home sits on its own 0.301-acre lot & offers the freedom of owning your land while enjoying the amenities of a private community lifestyle.Featuring 1,296 sqft of living space, 2 bedrooms plus a versatile office w/a closet that could easily serve as additional flex space, a functional kitchen, laundry room with side door access & a floor plan with spacious living areas. Enjoy all that Scott Lake has to offer, including a private dock, golf course, clubhouse, and picnic areas — creating year-round opportunities for recreation and relaxation. The property offers a blank canvas outdoors with room to personalize and create your ideal setting. Conveniently located just minutes from freeway access, this home combines peaceful community living with everyday convenience. A great opportunity for buyers seeking affordability, ownership, and the benefits of a well-established community.

2716 Vantage Avenue SW, Olympia

Listing courtesy of RE/MAX Northwest.

$425,000
3 Beds ⋅ 1 Baths ⋅ 2557003 MLS ⋅ ACTIVE Status
Nicely updated rambler in Evergreen Shores that comes with Black Lake access. This move in ready, 3 bedroom home, offers plenty of living space to stretch out. With its large driveway offering an abundance of parking. This home features new interior and exterior paint, roof, doors/millwork, new laminate flooring, tiled bathroom, new countertops, appliances, garage doors and more. Relax in the exquisite jetted soaking tub in this updated 5 piece, tiled bathroom. Bright kitchen with new appliances and tiled backsplash. Relax/entertain in the backyard on the large Trex deck. Storage shed with new roof. Enjoy the lifestyle Evergreen Shores has to offer: walkable neighborhood; access to community amenities including a clubhouse, seasonal pool, park, playground, basketball court, boat launch, dock, and Black Lake access. There's plenty of room for a RV or boat, a great place to call home!

7812 Greenridge Street SW, Olympia

Listing courtesy of Abbey Realty Inc.

$425,000
3 Beds ⋅ 3 Baths ⋅ 2554089 MLS ⋅ ACTIVE Status
Welcome home to this beautifully renovated 1,400-square-foot townhome in the desirable Horizon Pointe community! This stunning 3-bed, 3-bath home has been thoughtfully updated from top to bottom, offering the perfect blend of modern style and low-maintenance living. Step inside to discover new flooring, contemporary lighting, fresh interior paint, updated doors and hardware, and elegant quartz countertops throughout. The open, functional floor plan provides comfortable living spaces ideal for everyday life and entertaining alike. Every detail has been carefully selected, making this home truly move-in ready. Enjoy the convenience of living just minutes from shopping, restaurants, and everyday amenities, while being within close proximity to schools and neighborhood parks. Whether you're looking for your first home, downsizing, or seeking an investment opportunity, this turnkey property offers exceptional value in a fantastic location. Don't miss your chance to own this fully updated home—simply move in and enjoy!

6516 Indiana Street SE, Olympia

Listing courtesy of Capitol Real Estate LLC.

$564,950
3 Beds ⋅ 2 Baths ⋅ 2549776 MLS ⋅ ACTIVE Status
Welcome to your Pacific Northwest sanctuary! Nestled beautifully within the highly desirable Carlyon Beach community on the iconic Steamboat Peninsula. this meticulously maintained property perfectly balances tranquil coastal living with modern comfort. Enjoy the sweeping saltwater views of Totten Inlet and the Sound from this beautifully refreshed and renovated 2,296 sq ft home The moment you step into the main living room, you will fall in love with the dramatic vaulted ceilings and soaring, floor-to-ceiling windows that flood the open space with natural light. The bright interior opens directly to a beautiful deck framing fabulous water views for summer entertaining or a peaceful morning cup of coffee. Cozy up on chilly days next to the living room, fireplace, or retreat to the main floor's two bedrooms and full bath. The lower level offers excellent separation of space and has enormous potential for a multi-generational space, featuring a third bedroom, office/den, and a large gathering area, and utility room. Major upgrades provide peace of mind, including a 2021 roof, windows, new W/H & 2 step septic system. Also if interested you can purchase the adjacent view lot for preserving privacy, creating an estate, or future development! Tucked away in a premier waterfront community, you are just a 1/10th-mile walk from the marina, clubhouse. Enjoy wonderful community amenities just minutes from Hope Island State Park and more! Your coastal home is awaiting you!

10138 Steamboat Island Road NW, Olympia

Listing courtesy of Abbey Realty Inc.

$485,000
2 Beds ⋅ 2 Baths ⋅ 2549107 MLS ⋅ ACTIVE Status
Back on the market due to no fault of the home! Here's your second chance to own this move-in-ready gem offering exceptional value, modern updates, and flexible living space on an expansive lot. This beautifully refreshed 2-bedroom + office/optional 3rd bedroom, 2-bathroom home has been thoughtfully updated to meet the needs of today's buyers. The open-concept floor plan creates a bright, inviting atmosphere, while the beautifully appointed kitchen serves as the heart of the home, featuring premium appliances, abundant counter space, and a large island perfect for entertaining, meal prep, or everyday living. Both bedrooms include walk-in closets, providing generous storage rarely found at this price point. The dedicated office offers valuable flexibility for remote work, guests, a playroom, or a third bedroom. With major updates already completed and every detail carefully refreshed, this home offers the convenience and peace of mind buyers are looking for. Combined with the oversized lot and versatile layout, this is a standout opportunity in today's market. Back on market through no fault of the property—don't miss your chance to make it yours before it's gone again.

12306 SW Champion Drive, Olympia

Listing courtesy of Better Properties Kitsap.

$874,950
3 Beds ⋅ 3 Baths ⋅ 2527865 MLS ⋅ ACTIVE Status
Looking for a beautiful custom built home on acreage, but close to town? This home has it all! The main level has a large primary bedroom with 2 closets and a huge primary bathroom. The main area features a bedroom that is currently a salon and is connected to a half bath; vaulted ceilings in the living area; kitchen with a stamped copper sink and 17th century French imported backsplash; pantry and dining room. Down the hall there is a junior primary with connected bathroom and walk in closet and a bonus room. Upstairs there is a loft space with skylights that could be used for many different things: office, storage, bedroom, workout room. What will you use it for? Outside you will find a covered back patio with hot tub, garden space, sheds, and a fenced back yard along with wooded trails. This really is a magical property that you've got to see!

8401 Dawn Hill Drive SE, Olympia

Listing courtesy of Real Broker LLC.

$429,000
4 Beds ⋅ 1 Baths ⋅ 2543369 MLS ⋅ ACTIVE Status
Welcome to 4 bedrooms and 1 full bathroom in this 1,249 square foot rambler on Gallup Ct. Move in ready with new interior paint, roof, exterior siding and paint, cabinets, quartz countertops, windows, flooring, fridge and dishwasher. All appliances stay. Kitchen is fresh and new with a large built in pantry and just the right amount of cabinet space. Lot is situated on a cul de sac with the home set back off the road offering ample driveway parking and still enough room to have a large fenced back yard. Enjoy your back deck while you plan where to plant your garden. The shed in the back yard is large enough to house yard tool plus extras. The front yard has new top soil added to smooth out the maple tree roots. No HOA so you could even store your RV or boat at home. Convieniently located for optimal commuting options for Lacey, Olympia, Tumwater, Yelm, I-5 and JBLM or convert a bedroom to an office and take advantage of the Comcast hi-speed internet and work from home. Easy 3 minute walk to City Transit Bus route 90. Elementary school bus picks up in front of the home and the high school bus picks up just inside Gallup Drive. Come make this freshly updated home yours today!

4735 Gallup Court SE, Olympia

Listing courtesy of RE/MAX Realty South.

$624,950
3 Beds ⋅ 3 Baths ⋅ 2536100 MLS ⋅ ACTIVE Status
Welcome to this beautifully updated 3-bedroom rambler nestled in a quiet neighborhood. Thoughtful updates throughout include new flooring, stylish kitchen cabinetry, quartz countertops, and refreshed bathrooms featuring new tile finishes. The functional and open single-level layout offers comfortable living spaces filled with natural light, designed for everyday convenience. Outside, enjoy ample parking and a spacious yard with plenty of room for entertaining, gardening, or simply relaxing. Conveniently located near parks, shopping, and everyday amenities, this move-in-ready home combines modern updates with the comfort and charm of a desirable neighborhood. Come tour today!

5512 Donnelly Drive SE, Olympia

Listing courtesy of Heaton Dainard, LLC.

$825,000
4 Beds ⋅ 3 Baths ⋅ 2529679 MLS ⋅ ACTIVE Status
PRICE REDUCED! Enjoy the space, privacy, and versatility that come with this 10-acre property in the Tumwater School District. The property includes two separate 5-acre tax parcels and features a barn, stable, fenced pasture areas, and covered parking for 5 vehicles. Beautifully-maintained 4-bedroom plus den/office home is filled with natural light and offers hardwood floors, new carpet, new interior paint, and truly spacious living areas with views across the surrounding property. The large living room provides plenty of space to gather, while the kitchen offers abundant cabinetry, generous workspace, and a view you'll enjoy every day, with easy access to the deck overlooking the backyard and acreage beyond. Just off the kitchen, the family room centers around a freestanding wood stove with a brick hearth, creating a comfortable gathering space during the cooler months. Downstairs, the amazing nearly 1,900 square feet unfinished daylight basement space offers exceptional storage and flexibility as a shop or for hobbies, projects, equipment, and more. Whether your interests include horses, livestock, gardening, projects, or outdoor recreation, this property offers usable acreage, functional improvements, and a convenient location just minutes from Olympia, Tumwater, and I-5. Photos are Virtually Staged.

10140 Case Road SW, Olympia

Listing courtesy of Coldwell Banker Evergreen.

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