Rochester Homes with USDA Loan Terms

Rochester Homes with USDA Loan Terms

Rochester, a charming city located in Washington State, offers a delightful blend of small-town charm and natural beauty. Situated in the western part of the state, Rochester is known for its picturesque landscapes, friendly community, and convenient access to various amenities.

As part of the United States, Rochester benefits from the country's stable economy and diverse culture. The state of Washington itself is renowned for its stunning natural wonders, including the majestic Cascade Mountains, lush forests, and the beautiful Pacific coastline. With its favorable location, residents of Rochester can easily explore the region's outdoor recreational activities, such as hiking, fishing, and camping.

If you're considering buying a home in Rochester, you may be interested in the USDA Loan Terms available in the area. The USDA Loan program, also known as the Rural Development Loan, provides eligible homebuyers with affordable financing options in designated rural areas. Rochester qualifies for this program, allowing potential homeowners to take advantage of low-interest rates and flexible credit requirements.

Homes with USDA Loan Terms in Rochester offer an excellent opportunity for individuals and families looking to settle down in a peaceful and scenic environment. Whether you're a first-time homebuyer or looking to relocate, this program can help make your dream of homeownership a reality.

With its idyllic setting, strong community spirit, and access to USDA Loan Terms, Rochester presents an attractive option for those seeking a comfortable and affordable place to call home. Don't miss out on the opportunity to explore this charming city and all it has to offer.

Newest Rochester Homes with USDA Loan Terms

$997,600
3 Beds ⋅ 2 Baths ⋅ 2573601 MLS ⋅ ACTIVE Status
Set on 12+ beautiful acres in the heart of Rochester, this once in a lifetime property offers the perfect blend of comfort, functionality, and country living with unbeatable convenience. This well built 3-bedroom, 1¾-bath home features vaulted ceilings and an open-concept layout, is both bright and welcoming. The spacious kitchen includes an eating area and flows seamlessly into the living room which is ideal for everyday living and entertaining. The generous primary bedroom offers two large closets. The remarkably large bathrooms in the home are spacious with abundant storage. The property truly shines with its impressive 4,000+ sq ft shop, featuring three bay doors, two of which are oversized, plus a 960 sq ft lean-to carport—ideal for equipment, RVs, or business use. In addition, the shop has a bathroom with laundry hook ups, a bar, lift and other unique features. Additional outbuildings provide even more storage and opportunity. The land includes marketable timber, is partially fenced, dedicated garden space, and features a fruit tree orchard with apple, cherry, pear, and peach trees. This residence has a paved driveway, sprinkler system within the front yard and orchard. This property is ideally located with close proximity to Highway 12, I-5, schools, & shopping. Don't miss out on this unique opportunity, schedule a showing today!

18647 Joselyn Street SW, Rochester

Listing courtesy of Northfork Realty.

$425,000
3 Beds ⋅ 2 Baths ⋅ 2571875 MLS ⋅ ACTIVE Status
Looking for space, privacy and room to spread out—without giving up the convenience of being close to town? This well-located 3-bedroom, 1¾-bath home offers 1.43 acres of level, usable property in a quiet Rochester neighborhood, providing plenty of room for gardening, pets, recreation, parking and projects.Built in 1975, the approximately 1,400 sq. ft. home offers a practical floor plan with a solid foundation for comfortable everyday living and the opportunity to make it your own. The property truly shines outdoors, with an established, fruit producing orchard area, a large garden space with amended soil ideal for anyone who enjoys gardening, growing their own food or giving pets plenty of room to roam. For those needing serious workspace or storage, this property offers an impressive amount of covered space. The 500 sq. ft. attached garage is complemented by an additional 864 sq. ft. detached garage/shop, built in 1995. There is also abundant outdoor parking for vehicles, trailers, recreational equipment or additional guests.The property is served by its own private well and septic system, giving you the independence.There is a water filtration system installed under the kitchen sink.The property is on its own private well and septic system.Additional propane connection is available.

8411 SW 173rd Avenue, Rochester

Listing courtesy of Keller Williams South Sound.

$414,900
3 Beds ⋅ 2 Baths ⋅ 2569712 MLS ⋅ ACTIVE Status
On approximately 1.2 acres, this home offers the kind of space and flexibility that is getting harder to find. Inside, the open concept layout feels bright & open, with fresh interior & exterior paint and brand new appliances. An oversized primary suite with seating area & private bath. plus a second full bathroom and generous living and dining spaces for everyday living & entertaining Step outside to a back deck overlooking a fenced yard with garden space and a shed, ideal for pets, projects, or quiet evenings. A covered front patio with a vaulted roofline looks out to mature trees. With room for RV or boat parking, gardening, or a mini farm, this property supports a lifestyle, not just a house. This is a Fannie Mae HomePath Property.

18231 Doris Lane SW, Rochester

Listing courtesy of Evergreen State Homes.

$500,000
4 Beds ⋅ 2 Baths ⋅ 2564660 MLS ⋅ ACTIVE Status
Welcome to an incredible 4-bedroom rambler offering the perfect blend of rural charm and convenience-just 10 minutes from I-5! Before we get to the interior features, let's address a standout feature that saves you SS. This home includes a paid-off solar power system—no lease, no payment, just exceptional energy savings. The current owners have enjoyed electric bills of less than S10 per month over the past year. This move-in ready home features nearly 2,000 sq. ft. of thoughtfully designed living space with an open-concept floor plan ideal for everyday living and entertaining. The spacious kitchen boasts abundant cabinetry, a large walk-in pantry, and flows seamlessly into the dining and living areas. The primary suite offers a private retreat, while three additional bedrooms provide flexibility for guests, a home office, or hobbies. Outside, the fully fenced yard offers room to garden, play, entertain, or simply enjoy the peaceful setting. Whether you're looking for rural tranquility or an easy commute, this home delivers comfort, efficiency, and space to thrive. VA Assumable loan at 5.25%. Rarely does a 4-bedroom single-level home with this much space, efficiency, and value become available-don't miss this opportunity!

17930 Littlerock Road SW, Rochester

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

$729,900
3 Beds ⋅ 3 Baths ⋅ 2563463 MLS ⋅ ACTIVE Status
Escape to your own country paradise! This meticulously maintained 3BR, 2.5BA home is nestled on 6.7 level, fenced & cross-fenced acres, perfect for equestrians, hobby farmers, or anyone seeking room to roam. The property features a 3-stall barn with tack room, and brightly lit, spacious isle-way. A large shop with roll-up door & office space, and a circular driveway provides easy access. Inside, you'll love the light-filled great room with soaring vaulted ceilings, and spacious kitchen designed for gathering with custom wood cabinetry, large deep sink, and granite countertops. The oversized laundry room with 1/2 bath, just off the garage, adds convenience, while the luxurious primary bedroom offers large walk-in closet and the private en suite offers radiant-heated tile floors, a jetted soaking tub, and a walk-in glass-door shower for a spa-like retreat. Step outside to enjoy the covered front porch or relax on the covered concrete patio overlooking the tall timbers and a fully fenced backyard. Fruit trees around and meticulously landscaped. Every inch of this property reflects pride of ownership and thoughtful care. Whether you're bringing horses, working on projects, this turnkey, move-in ready property offers the perfect blend of comfort and functionality. A rare opportunity to own the lifestyle you've been dreaming of! Close to I-5 and amenities of the growing Grand Mound area.

17745 Case Road SW, Rochester

Listing courtesy of Realty One Group Pacifica.

$490,000
3 Beds ⋅ 2 Baths ⋅ 2562637 MLS ⋅ ACTIVE Status
NEW PRICE!!! Freshly Updated, Move-In Ready & Perfectly Located! Welcome to this beautifully refreshed 3-bedroom, 2-bath home on just over an acre, offering the ideal blend of modern comfort, privacy, and outdoor living. Tucked away on a quaint cul-de-sac, this property provides a peaceful setting while remaining conveniently located approximately halfway between Portland and Seattle. Step inside to discover brand-new flooring throughout, fresh interior paint, and bright, inviting spaces ready for your personal touch. The desirable split-bedroom floor plan offers added privacy, with the spacious primary suite separated from the secondary bedrooms. Relax on the covered front porch with your morning coffee or unwind on the covered back porch while taking in peaceful territorial views. The expansive fenced property features mature fruit trees and plenty of room for pets, gardening, entertaining, recreation, or future improvements, creating your own private outdoor retreat. Whether you're buying your first home, downsizing, or simply looking for more space to spread out, this move-in-ready property offers the serenity of country living with easy access to shopping, dining, and commuter routes. Don't miss this rare opportunity to enjoy acreage, privacy, and convenience all in one beautiful home!

18303 Ivan Street SW, Rochester

Listing courtesy of Northfork Realty.

$395,000
2 Beds ⋅ 2 Baths ⋅ 2555161 MLS ⋅ ACTIVE Status
Welcome to this quiet and cozy 2-bedroom, 1.5-bathroom home. This park like setting is situated on a spacious corner lot of nearly half an acre. Large windows fill the main level with abundant natural light, creating a warm and inviting atmosphere. Relax on the charming country-style covered front porch, complete with a porch swing—the perfect spot to enjoy peaceful mornings or unwind at the end of the day. This quaint home features durable Hardie Plank siding, a newer roof, fresh kitchen paint, a new kitchen sink, and a newer refrigerator. Ductless heating and cooling units on both the main and upper levels provide year-round comfort and energy-efficient climate control. The expansive, level lot offers endless possibilities, whether you're dreaming of a garden, shop, outdoor entertaining space, or future expansion. There is ample of space for parking including for an RV. For added peace of mind, the septic system received a new pump and alarm in August 2025. Don't miss the opportunity to make this charming property your own!

10443 SW 184th Avenue, Rochester

Listing courtesy of Virgil Adams Real Estate, Inc..

$449,000
3 Beds ⋅ 2 Baths ⋅ 2555830 MLS ⋅ ACTIVE Status
** $10,000 Seller Credit Available toward Buyer closing costs, prepaids, and/or mortgage interest rate buydown ** Discover comfortable country living in this move-in ready 3-bedroom, 1.75-bath home featuring a well-designed, functional floor plan. Upstairs, you'll find a spacious primary suite complete with its own private bath. Outside, there's plenty of room for RV parking, gardening, and an oversized 2-car garage that offers abundant space for vehicles, hobbies, or extra storage. Enjoy the convenience of quick I-5 access for an easy commute to Centralia, Chehalis, Olympia, and Tacoma, while remaining just minutes from the shopping, dining, and services of Grand Mound and Centralia. This is a wonderful opportunity to enjoy the space and convenience you've been looking for.

18005 Iris Place SW, Rochester

Listing courtesy of John L. Scott, Inc.

$699,000
3 Beds ⋅ 3 Baths ⋅ 2554422 MLS ⋅ ACTIVE Status
***No HOA + $10,000 Seller-Paid Concession!*** Beautiful 5.56-acre country retreat featuring a well-maintained 3-bedroom, 2.5-bath rambler bordering picturesque Scatter Creek. Seller is offering up to **$10,000 toward buyer closing costs, interest-rate buy-down, or other allowable costs with an acceptable offer.** A landscaped entrance, white three-rail vinyl fencing, mature evergreens, and a covered front porch create a welcoming arrival. Inside, enjoy vaulted ceilings, wood-wrapped windows, hardwood dining floors, granite kitchen countertops, spacious living areas, and a primary suite with a renewed tiled walk-in shower. Step outside to an expansive deck with hot tub overlooking fenced pastures and Scatter Creek. The fields are ready for livestock, horses, or hobby farm use, while the rustic barn, built from rough-cut lumber milled from the property, adds authentic country charm. Additional features include an attached one-car garage, detached two-car shop with RV cover, 30-amp RV hookups, wood shed, and gutter covers. Roof recently cleaned and wood stove serviced. Exceptional privacy with no neighbors in direct view. Home outside of flood zone; determination available in supplements.

18121 Mi Lane SW, Rochester

Listing courtesy of Best Choice Realty LLC.

$510,000
3 Beds ⋅ 2 Baths ⋅ 2553694 MLS ⋅ ACTIVE Status
Beautifully updated 3-bedroom, 2-bath home offering 1,502 sq ft on a spacious and usable 0.81-acre lot. This property combines modern upgrades with outdoor living and room to spread out. The remodeled kitchen features quartz countertops, updated cabinetry, newer appliances, and tile flooring. Throughout the home you'll find solid natural wood doors, dimmable LED recessed lighting, updated shower heads, newer toilets, and smart-home features including a smart thermostat, electronic front door lock, smart lighting, and Ethernet wiring in multiple rooms. Enjoy seamless indoor-outdoor living with the stunning 20' x 22' Trex deck and upgraded folding patio door installed in 2023. The fully fenced backyard includes a 14' vehicle gate and 5' walk-through gate, providing easy access for RVs, trailers, and equipment. Additional outdoor amenities include a 10' x 20' barn-style shed built in 2023, a 24' x 29' x 12' VersaTube carport installed in 2026, a gazebo, chicken run, and six large raised garden beds ready for your homegrown harvest. The exterior was professionally refreshed and painted in recent years, including updated sealants and matching shed paint. Additional improvements include a newer hot water heater and a spacious 2-car garage. Washer and dryer, carport, gazebo, and chicken run all convey with the sale. A rare opportunity to enjoy updated living, outdoor space, and versatility all in one property.

5921 184th Lane SW, Rochester

Listing courtesy of BHGRE - Northwest Home Team.

$550,000
4 Beds ⋅ 2 Baths ⋅ 2552740 MLS ⋅ ACTIVE Status
Country living meets exceptional functionality in Applegate Village! Situated on a beautifully level and fully fenced 1.24-acre lot, this impeccably maintained 1,920-square-foot rambler offers the perfect blend of comfort, versatility, and space. Featuring 4 bedrooms and 2 bathrooms, the thoughtfully updated interior showcases an open-concept design with fresh interior paint, new flooring, updated kitchen countertops, and a newer roof, making this home truly move-in ready. Car enthusiasts, hobbyists, and business owners will appreciate the impressive four-bay detached shop with parking for 6+ vehicles. Designed with future expansion in mind, one bay features reinforced concrete for a vehicle lift, while additional amenities include a loft, heat, hot water tank, wet bar, attached dog run, and abundant workspace. Outside, enjoy a spacious patio ideal for entertaining, a garden shed, RV parking, and plenty of room for gardening, recreation, or future projects. Conveniently located less than five minutes from I-5 and approximately 20 minutes to North Fort JBLM, this exceptional property offers the ideal balance of peaceful country living and everyday convenience.

9200 Applegate Loop SW, Rochester

Listing courtesy of eXp Realty.

$684,950
4 Beds ⋅ 2 Baths ⋅ 2541735 MLS ⋅ ACTIVE Status
Welcome Home to this amazing Rambler on just over 5 acres ! All ready for your farm to go! Nice open floor plan with 4-bedrooms, 2-Baths, oversized 2-car garage, wired for generator and even has RV Parking! Beautiful laminate floors throughout the main living areas. Great sized kitchen with eat at bar, tons of cabinet space, all new SS appliances, and updated lighting! High vaulted ceilings give you that great open living feeling. Great sized rear covered patio for year round entertaining too! Also has a Brand New heat pump and Furnace for year round comfort of A/C & Heat! A 12'x36', 2-stall barn and tack room for your horses with power as well as a 12'x16' shop for your hobbies with power as well and wired for 220! Come see it today!!

10548 179th Avenue SW, Rochester

Listing courtesy of John L. Scott Lacey.

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