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

$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.

$399,990
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* Beautiful 5.56-acre country retreat featuring a well-maintained 3-bedroom, 2.5-bath rambler bordering picturesque Scatter Creek. A beautifully landscaped entrance welcomes you home, with classic white three-rail vinyl fencing along the Mi Lane frontage, mature evergreens, and a charming covered front porch. Inside, vaulted ceilings, wood-wrapped windows, hardwood floors in the dining room, granite kitchen countertops, and spacious living areas create a warm, inviting atmosphere. The primary suite features a beautifully renewed tiled walk-in shower. Step outside to the expansive deck overlooking fenced pastures and Scatter Creek, complete with a hot tub—the perfect place to entertain, unwind, or enjoy the abundant wildlife. The fenced fields are ready for livestock, horses, or your hobby farm dreams, 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 electric RV hookups, a separate woodshed, and helmet-style gutter covers for low-maintenance exterior care. Recent updates include a cleaned roof and a recently serviced wood stove. Offering exceptional privacy with no neighbors in direct view, this is a rare opportunity to own a peaceful country retreat where comfort, functionality, and the beauty of the Pacific Northwest come together. * Added peace of mind with flood determination available in supplements.*

18121 Mi Lane SW, Rochester

Listing courtesy of Best Choice Realty LLC.

$520,000
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.

$575,000
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.

$490,000
3 Beds ⋅ 2 Baths ⋅ 2537937 MLS ⋅ ACTIVE Status
Welcome to peaceful rural living in Rochester! Situated on a spacious 1.26-acre corner lot in the desirable Prairie Pointe neighborhood, this well-maintained single-level home offers 1,486 square feet of comfortable living space with 3 bedrooms and 1.75 bathrooms.Inside, you'll find a bright and inviting floor plan filled with natural light, updated cabinetry, and durable luxury vinyl plank flooring installed last year, giving the home a fresh, modern feel. The thoughtful layout provides the perfect blend of comfort, functionality, and everyday convenience.Surrounded by mature trees, the property offers a peaceful, park-like setting with plenty of room to enjoy the outdoors. The fully fenced backyard is ideal for pets, gardening, entertaining, or simply relaxing in your own private retreat. An attached two-car garage and installed security system provide additional storage, functionality, and peace of mind.The expansive 1.26-acre lot offers endless possibilities, including RV parking, hobbies, outdoor recreation, or future projects. Conveniently located just minutes from I-5, you'll enjoy an easy commute while still appreciating the privacy and charm of country living. Close to schools, shopping, and everyday amenities, this move-in ready property offers the perfect combination of acreage, flexibility, and small-town appeal.If you've been searching for a well-cared-for rambler with room to spread out and enjoy the outdoors, this is one you won't want to miss!

5146 180th Trail SW, Rochester

Listing courtesy of Better Brokers.

$724,000
3 Beds ⋅ 2 Baths ⋅ 2517728 MLS ⋅ ACTIVE Status
Nestled on 4.93 acres in desirable Rochester, this 3bed 2bath home offers 2,072 sq ft of living space surrounded by mature trees, established landscaping, and endless outdoor enjoyment. Inside features a spacious layout with 2 separate living areas with the kitchen at the heart of the home + a bonus room. The front living room boasts soaring vaulted ceilings and natural light, while the upper level overlooks the space below, creating an open and inviting feel. A main floor bedroom + full bath add flexibility, while the expansive primary suite upstairs features a walk in closet and spa like ensuite with jetted tub. In addition to being effectively rebuilt in 1998, this home also features new downstairs flooring, a 2 year old roof, and appliances 3 years old or newer for added value and peace of mind. Outdoor living includes a wraparound porch extending along three sides of the home with skylights and a large covered patio ideal for BBQs, entertaining and year round enjoyment. The property offers great versatility with a 5 car garage, a barn with a lower storage room and loft on one side and large open space on the other, raised garden beds, grape vines, established plantings, and room to expand your gardening dreams. Fenced back field & wooded area are ready for animals, or recreation. Loop around gravel driveway provides easy access and ample parking. Enjoy space, functionality & country living in sought after Rochester. Shown by appointment only- No Trespassing!

10320 James Road SW, Rochester

Listing courtesy of John L. Scott CNT.

$559,900
3 Beds ⋅ 2 Baths ⋅ 2534626 MLS ⋅ ACTIVE Status
Rochester -- Farm Property -- Nearly 5 Flat / Usable Acres -- 1440 Sqft -- 3 Bedroom / 2 Bathroom -- 1 Level -- Detached 24 x 40 Garage / Shop -- Living Room -- Large Kitchen -- Dining Space -- Stainless Steel Appliances -- Laminate Flooring Throughout -- Skylight -- Primary Bedroom with Bathroom & Double Closets -- Updated -- Mud Room/Laundry Room -- Vinyl Windows -- NEW IN 2023 Roof / Furnace / Hot Water Heater -- NEW IN 2025 Oversized & Energy Efficient Dishwasher, Washer/Dryer -- Covered Porch -- Covered Deck -- 12 x 16 Stall on Back of Shop -- 12x40 Horse Stable for 4 Horses with 14 x 40 Lean-To -- Fenced / Cross Fenced -- Raised Chicken Coop w/ Automatic Door & 24 Nesting Boxes -- Dog Proof Fencing -- Designated Garden Space -- Apple Trees -- Hay Fields Surrounding -- RV Parking -- Extra Parking -- Quiet Road -- Black Lake River Boat Launch Across the Street -- Easy Access To Centralia / Chehalis + I-5 Corridor

11845 School Land Road SW, Rochester

Listing courtesy of Keller Williams-Premier Prtnrs.

$585,000
3 Beds ⋅ 2 Baths ⋅ 2530766 MLS ⋅ ACTIVE Status
Enjoy park-like living in this updated 3-bedroom, 2-bath home with abundant indoor and outdoor amenities. The attached 2-car garage offers storage and attic access. Inside, the open-concept layout connects the living room, dining area, and remodeled kitchen featuring maple cabinets, granite countertops, new appliances, and a center island with butcher-block top. The living room boasts a large bay window overlooking the newly landscaped front yard and a ceramic wood burner that complements the heat pump. One bedroom includes a queen-size Murphy bed, providing flexible space for guests, an office, or hobbies. The expanded primary suite includes a laundry area with full-size stacked washer and dryer, cast-iron tub, walk-in shower, vanity, toilet, large walk-in closet, patio doors to the backyard, and its own mini-split heating/cooling system. Outdoor features are exceptional, including a 1,400 sq. ft. deck with outdoor kitchen and hot tub, plus a finished 14' x 20' bonus room ideal for an office, den, or retreat. Additional outbuildings include a 20' x 24' shop, 10' x 14' storage shed with loft, wood shed, and 16' x 20' retreat shed. The backyard is enclosed with a 6-foot privacy fence and 16-foot gate. A large carport, black chain-link front fencing, mature fruit and ornamental trees, and numerous raised garden beds complete this unique property. A rare combination of comfort, versatility, storage, and outdoor living.

5922 184th Lane SW, Rochester

Listing courtesy of BHGRE - Northwest Home Team.

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