Rainier Homes with FHA Terms

Rainier Homes with FHA Terms

Welcome to Rainier, a charming city located in Thurston County, Washington. Nestled in the heart of the beautiful Pacific Northwest, Rainier offers a tranquil and picturesque setting for residents to call home.

Rainier is a small yet vibrant community, known for its friendly atmosphere and close-knit neighborhoods. With a population of just over 1,900 residents, this city provides a tight-knit community feel where neighbors become friends and everyone is greeted with a warm smile.

One of the notable features of Rainier is its proximity to nature. Surrounded by lush forests, breathtaking mountains, and pristine lakes, outdoor enthusiasts will find plenty of opportunities for hiking, fishing, and exploring the great outdoors. The nearby Mount Rainier National Park offers stunning views and countless recreational activities for nature lovers.

For those looking to purchase a home in Rainier, there are plenty of options available with FHA terms. FHA loans are a popular choice for many homebuyers as they offer low down payment options and flexible credit requirements. Whether you're a first-time homebuyer or looking to upgrade your current residence, Rainier has a range of homes that can accommodate your needs.

From cozy cottages to spacious family homes, Rainier offers a diverse selection of properties to suit various budgets and preferences. With FHA terms, homeownership becomes more accessible and attainable for many individuals and families.

If you're considering making Rainier your home, you'll find a welcoming community, beautiful natural surroundings, and affordable housing options with FHA terms. Come and discover the charm and serenity of Rainier, Washington.

Newest Rainier Homes with FHA Terms

$370,000
1 Beds ⋅ 1 Baths ⋅ 2569925 MLS ⋅ ACTIVE Status
Rare Deschutes Riverfront Retreat with Storybook Charm! Discover the magic of owning approximately 160 feet of frontage on the pristine Deschutes River. Set on a double lot, this charming 1-bedroom, 1-bath cottage offers a peaceful riverside setting with a sliding door opening to a large 10x24 ft covered deck—perfect for relaxing, entertaining, or simply enjoying the sounds of the river. The property has an unmistakable storybook personality, including a delightful craft cottage/studio inspired by Alice in Wonderland. The basement adds versatility with an extra finished room, shop/storage space, and plumbing already in place for a future 3/4 bath. A large storage/shop building, 2-car carport, garden and garden shed provide plenty of room for hobbies, projects, tools, and outdoor living. Thoughtful features include generator wiring, a pellet stove, and a newer roof (Jan of '26). Located next to a public access area that is not reasonably usable for access, the adjoining space effectively creates an added privacy buffer. Whether you're looking for a peaceful river getaway, creative retreat, hobby property, or a special place to call home, this one-of-a-kind Deschutes River property offers character, privacy, and plenty of possibilities. Rainier school system. Small subdivision in the country that is close to all conveniences, Yelm & JBLM.

13836 166th Avenue SE, Rainier

Listing courtesy of Signature Service RE Olympia.

$499,000
4 Beds ⋅ 2 Baths ⋅ 2565129 MLS ⋅ ACTIVE Status
Fully renovated and move-in ready on nearly 2 secluded acres! This spacious 4-bedroom, 2-bath home offers a park-like setting surrounded by mature trees with tons of yard space and room for RVs, toys, animals and more. Inside, enjoy fresh interior paint, LVP flooring throughout and a beautiful updated kitchen with hard-surface Terrazzo countertops, ample storage and brand-new stainless steel appliances. The spacious primary suite features a walk-in closet and private 4-piece bath complete with a large soaking tub. Outside, you'll find fresh exterior paint, a deck, partially fenced yard, expansive driveway, multiple outbuildings and sheds, plus a brand-new detached garage. Washer and dryer included! Plenty of space, privacy, storage and room to enjoy both inside and out.

15019 Turner Road SE, Rainier

Listing courtesy of Spivey Realty Group.

$489,999
3 Beds ⋅ 2 Baths ⋅ 2562247 MLS ⋅ ACTIVE Status
Welcome home to this beautifully maintained rambler offering the perfect blend of comfort, style, and peace of mind. Thoughtfully updated throughout, this move-in-ready home features a beautifully remodeled bathroom, a brand-new deck perfect for entertaining or relaxing, a new roof, and a new high-efficiency heat pump for year-round comfort.Enjoy the added security of a natural gas whole-house generator, ensuring you're prepared no matter the season. Outside, you'll find a spacious yard with a storage shed, providing plenty of room for tools, or outdoor equipment.Whether you're looking for your first home, downsizing, or simply searching for easy one-level living, this charming rambler offers quality updates and exceptional value. Don't miss your opportunity to make this beautiful home yours!

815 Cody Street SE, Rainier

Listing courtesy of Silvercreek Realty Group.

$754,900
3 Beds ⋅ 2 Baths ⋅ 2535475 MLS ⋅ ACTIVE Status
Opportunity here! Just on the edge of City of Rainier, zoned commercial/residential, Nearly 3 acres just off Hwy 507. Park-like setting, 3-bedroom home with split living area, vaulted ceiling, open kitchen living area. The shop is 1250 sq ft, commercial air compressor, 10,000# hydraulic car lift, heavy concrete floor, 14-ft clearance, concrete pad in front and "lean-to" on either side. There's a 400 sf mezzanine that is set up as a ManCave with pool table, etc. Ample work benches and storage rooms, wired industrial. What a place for a home business with over 8000 traffic count per day. Several outbuildings. Bring your business, your hobbies and/or just your stuff. Plenty of room to expand. Adjacent lot negotiable.

12443 133rd Avenue SE, Rainier

Listing courtesy of Keller Williams South Sound.

$529,000
4 Beds ⋅ 3 Baths ⋅ 2546246 MLS ⋅ ACTIVE Status
This 4-bed home on nearly 1/3 acre level lot brings a refreshing serenity with its pride of ownership, brand new carpet, & interior paint! You'll adore the main floor for hosting & everyday living with warm-toned laminate floors, granite counters, 5-burner gas cooktop, basin sink, quality cabinets & inviting bar counter; glass slider exits to smooth patio complete w string lights for your evening ambiance, while the spacious, fully-fenced lawn makes a wonderful backdrop for recreation & relaxation, including room for your dream garden, playset, hammock, or lawn games. Upstairs, the primary bed/bath provide a peaceful retreat w jetted tub, tall vanity w double sinks, & walk-in-closet. Three more bedrooms & a full bath surround the main loft area, perfect for family room, office, schoolroom, exercise or craft area, or playspace! Details such as heat pump for year-round comfort, washer/dryer, garage fridge & chest freezer included, gen-ready panel, extra parking & wide RV-friendly gate, storage shed, landscape curbing, & fruit trees (think sweet honeycrisp apples, juicy Asian pears, & fresh figs) all bring extra benefit & value! Meticulously cared for by the original owners, this is the kind of worry-free home you dream of buying; situated on a dead end street with just a few houses & no HOA. Establish your peaceful homelife in this delightful charmer--away from the hustle & bustle--in beautiful Rainier, not far from JBLM, Lacey, Olympia, & Yelm. There's just so much to love!

303 135th Place SE, Rainier

Listing courtesy of RE/MAX Northwest.

$565,000
5 Beds ⋅ 3 Baths ⋅ 2551074 MLS ⋅ ACTIVE Status
The backyard is the dream, and this nearly new modern farmhouse delivers. Set on a level, fully fenced 1/3-acre lot with a wooded backdrop and NO HOA, this 2023-built Rainier home offers the freedom and space that's hard to find in newer construction. The front half of the yard is lush sod, while the back is a homesteader's dream with wildflower meadow, 8 thriving raised cedar garden beds with drip irrigation, a charming trellis with cafe lights, apple trees, and a chicken coop already in place. Enjoy the covered patio and extended concrete pad for effortless outdoor living. Inside, the 2,221sqft layout lives large with 5 bedrooms, including a main-floor bedroom and full bath, ideal for guests, multigenerational living, or a home office. Upstairs, the spacious primary suite offers room for a sitting area, a large walk-in closet, and a luxurious 5-piece bath, while the conveniently located laundry room sits near the secondary bedrooms and third full bath. The beautiful kitchen features quartz countertops, subway tile backsplash, stainless steel appliances, and a generous walk-in pantry. Added windows fill the home with natural light and frame backyard views, while the cozy propane fireplace anchors the main living space. A 3 car garage with an extra deep third bay and backyard man door adds function and storage. Enjoy the charm of small-town Rainier, just 15 minutes from Yelm and Lacey amenities with an easy commute to JBLM. Here, you really can have it all.

507 B Minnesota Street N, Rainier

Listing courtesy of eXp Realty.

$599,000
3 Beds ⋅ 2 Baths ⋅ 2549816 MLS ⋅ ACTIVE Status
Escape to your own private, gated sanctuary! This stunning rambler is fully fenced, and tucked out of sight, yet just minutes to town and the Yelm-Tenino trail. This beautifully maintained 3-bedroom + office home (built 2015) is built for easy, low-stress living: fully paid off solar panels erase your energy bill from day one, and automatic security lighting plus generator-ready wiring add real peace of mind. Inside, an open floor plan with granite counters, stainless appliances, a gas range, and a propane fireplace makes everyday living effortless, while mini splits keep you comfortable year-round. The remodeled bathroom is a true spa experience with custom slate walk-in shower, rain head, dual handheld sprayers, built-in bench, and upgraded lighting. The showstopper: a dual-purpose garage space with upgraded moisture-resistant drywall, heat, and ventilation housing a $20k+ ThermoSpa exercise spa that stays with the home. Enjoy your own wellness retreat, no membership required. Outside, wander over 1/4 mile of winding paths through lavender, wildflowers, and mature blueberry, apple, and pear trees. A detached shop space, storage shed, owned propane tank, and fenced pet area round it out. No HOA. Just privacy, savings, and comfort.

714 Tipsoo Loop S, Rainier

Listing courtesy of Homestead Home Group.

$569,000
2 Beds ⋅ 2 Baths ⋅ 2535607 MLS ⋅ ACTIVE Status
PRICE REDUCED...Home location qualifies for ZERO down USDA loan program. Welcome to your private Pacific Northwest sanctuary. Tucked away behind a gated entry on 5.38 level, fully fenced acres, this unique Rainier property offers the perfect lifestyle of country living with the option of living in complete self-sufficiency. Whether you’re looking to live entirely off-grid or simply want the peace of mind of total energy independence, this home is fully equipped to deliver a sustainable lifestyle without sacrificing modern comfort. At the heart of the property is a beautifully crafted 1,866 sq. ft., 2-story home featuring 2 spacious bedrooms with striking vaulted ceilings, complete with large back deck overlooking a fishing pond, sunroom, shop, pasture, garden with both chicken and duck coops. Property includes deep well with a new pump installed in 2024 that can also be manually pumped, 3000 gallon cistern tank that can feed the house when power is out and a generator house that automatically kicks on during a power outage.

15711 Vail Cut Off Road SE, Rainier

Listing courtesy of Keller Williams South Sound.

$699,000
3 Beds ⋅ 3 Baths ⋅ 2514112 MLS ⋅ ACTIVE Status
MOTIVATED SELLER! Exceptional rambler in the gated Windtree community w/ views from every room! Set on approximately ±2.2 acres of beautifully terraced landscaping, this private retreat features a seasonal pond, mature trees, abundant wildlife, & backs to farmland for peaceful country living. Usable acreage offers room for a shop, RV parking, expanded yard space, or future projects. Enjoy over 10 fruit trees, incl apple, cherry, pear, plum, & mulberry, plus a ±1/8-mile walking trail w/ workout stations. Underground utilities preserve the natural beauty w/ no visible power lines. Inside, 9-foot ceilings create an open feel, while the living room showcases 16-foot vaulted ceilings & a gas fireplace. Kitchen has granite countertops, center island, pantry, & ample gathering space. Recent updates include a newly painted interior, refreshed exterior paint, updated hickory hardwood floors in the kitchen, office, & living room, & new carpet in the primary bedroom. The private office/study includes its own fireplace & overlooks the pond & front landscaping, creating a serene workspace. The spacious primary suite offers a luxurious 5-piece bath, heated towel bar, & large walk-in closet. Additional features include a formal dining room, custom molding, water features, extended patio, sprinkler system, generator hookup, 220V EV charger, and a 3-car garage with hot & cold water spigots. Conveniently located just 15 minutes from Lacey, 10 minutes from Yelm, & easy access to JBLM!

11940 Windtree Lane SE, Rainier

Listing courtesy of Olympic Sotheby's Int'l Realty.

$599,950
4 Beds ⋅ 3 Baths ⋅ 2502986 MLS ⋅ ACTIVE Status
Located in the quaint town of Rainier, this inviting property captures the essence of peace on over a 3/4 acre lot. Perfectly placed at the end of a long driveway on a small cul-de-sac, this home instantly feels like a place where life slows down & memories are made. Inside, the open-concept design is filled w/ warm natural light pouring through large windows, highlighting the easy flow of the living spaces & durable LVP flooring. The kitchen serves as the heart of the home w/ stainless steel appliances, a generous island & space to gather, while a versatile bonus area offers the perfect spot for a home office, an additional dining space or even a 2nd living room. Upstairs you’ll find 4 comfortable bedrooms, including a spacious primary suite designed to truly feel like your own space, complete w/ 5-piece ensuite, an extra nook perfect for relaxing & a large walk-in closet. Outside you’ll find your own slice of charm. Mature trees swaying overhead, soft string lights set the mood & a custom paver fire pit w/ built-in seating ready for evenings spent under the stars & making smores. Whether it’s laughter around the fire, enjoying the zip line & playset, or simply the privacy of your fully fenced yard, this backyard was made for simple joys & full moments. Offering A/C for those warm days, a 2-car garage & a setting that offers both privacy & a sense of community, this home embodies the space, tranquility & charm within a reasonable commute to I-5 & JBLM!

114 Lillian Lane SE, Rainier

Listing courtesy of eXp Realty.

$698,000
3 Beds ⋅ 2 Baths ⋅ 2503645 MLS ⋅ ACTIVE Status
Back on the Market - Act NOW! Modern 3-Bedroom Home + bonus space | 2,038 Sq. Ft. | 10.79 Acres | Energy-Efficient & Built to Last Great location near Rainier — peaceful, yet close to amenities Nestled in the scenic county, this thoughtfully designed home offers flexible, modern living with 3 bedrooms + dedicated office space — ideal for remote workers or anyone seeking comfort and productivity in a serene setting, just minutes from Rainier. Inside: • 3 bedrooms, 9-foot ceilings, and open-concept flow • Gourmet kitchen with large island, real wood cabinetry, and stainless-steel appliances, walk in panrty • Premium construction: 2x6 exterior wall studs, solid floor joists, architectural shingles Smart & Efficient: • Smart thermostats • 2023 heat pump with AC • Hybrid water heater • Superior insulation: R-30 floors, R-21 walls, R-44 ceilings — built to save energy and money Outside: • 10.79 acres of usable land — perfect for gardens, animals, or recreation • Includes chicken coop, goat pen, and 3 car oversized garage (great for vehicles, toys, or storage) A rare find: modern functionality meets country charm — ready for your next chapter, just outside the heart of Rainier.

13113 Algyer Road SE, Rainier

Listing courtesy of Signature Service RE Olympia.

$240,000
1 Beds ⋅ 1 Baths ⋅ 2493335 MLS ⋅ ACTIVE Status
Welcome to 108 Centre Street S, a beautifully updated property in the heart of downtown Rainier. This corner-lot gem sits on 0.13 acres and blends small-town charm with thoughtful modern updates. Inside, you will find newer flooring, fresh paint, a newer roof, and a newer septic system, meaning much of the major work has already been completed. The flexible layout offers plenty of possibilities to create the space that fits your needs. With its central location, you will enjoy the convenience of downtown living where coffee shops, local dining, and parks are just a short walk away. Whether you envision a comfortable home in the middle of town or a live/work setup, this property offers the versatility to make it your own.

108 Centre Street S, Rainier

Listing courtesy of Epique Realty.

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