Kitsap County Homes with USDA Loan Terms

Kitsap County Homes with USDA Loan Terms

Located in the beautiful state of Washington, Kitsap County is a charming region that offers a fantastic quality of life. Situated in the northwestern part of the United States, Kitsap County is known for its stunning natural beauty, vibrant communities, and strong sense of community spirit.

As part of the state of Washington, Kitsap County benefits from a wide range of amenities and attractions. The county is home to picturesque landscapes, including breathtaking coastlines, lush forests, and majestic mountains. Residents can enjoy outdoor activities such as hiking, boating, and fishing, making it an ideal place for nature lovers.

One notable aspect of Kitsap County is the availability of homes with USDA loan terms. This means that potential homebuyers can take advantage of favorable loan options provided by the United States Department of Agriculture. These loans are designed to help low to moderate-income families achieve their dream of homeownership. With USDA loan terms, buyers can benefit from low-interest rates, flexible credit requirements, and the option for zero down payment.

Whether you're looking for a cozy suburban home or a waterfront property, Kitsap County has a wide range of real estate options to suit every taste and budget. From charming historic homes in downtown areas to modern developments in family-friendly neighborhoods, there is something for everyone in Kitsap County.

With its stunning natural surroundings, strong community spirit, and the availability of USDA loan terms, Kitsap County is an excellent place to call home.

Newest Kitsap County Homes with USDA Loan Terms

7 Windham Lane, Bremerton
$589,950
3 Beds ⋅ 3 Baths ⋅ 2601675 MLS ⋅ ACTIVE Status
Welcome to Windham Lane, a NEW 9-home community in a west-facing setting near Dyes Inlet! The 1,939 Sq Ft Plan features 3 bedrooms, 2.5 baths, main-floor office & spacious loft/rec room. The main level offers an open Kitchen w/large island, quartz counters, tile backsplash, stainless steel Samsung appliances, pantry & designer luxury vinyl plank flooring. Open dining & living areas lead to the COVERED patio & backyard. Upstairs, the Primary Bedroom features a spacious ensuite & walk-in closet, plus 2 additional bedrooms, full bath, laundry & versatile loft/rec room. Take advantage of the RARE opportunity to customize your interior finishes and make this home truly yours—something few builders offer! Built to the NEWEST energy codes for exceptional efficiency w/heat-pump heating & cooling, energy-efficient windows, LED lighting, EV charger & more! Landscaped front yard and attached 2-car garage. Select lots may offer filtered water views. Central Kitsap School District—Central Kitsap Middle & High School! Minutes to Military Bases, Shipyard, Shopping, Restaurants & BOTH Fast/Drive-on Seattle Ferries! Includes 2-10 Home Buyers Warranty. Buyer Bonus w/use of Preferred Lender—ask for details!

7 Windham Lane, Bremerton

Listing Broker: John L. Scott, Inc.; Kristina Moneypenny; 360-731-6734; kristinam@johnlscott.com

839 10th Street, Bremerton
$399,000
2599233 MLS ⋅ ACTIVE Status
Two homes on one lot with combined current rents of $3,200 per month! The main home offers 3 bedrooms, 1.75 bath, a covered front porch, living room and eat-in kitchen. Its basement previously served as a separate rental apartment and has been incorporated back into the main home. Currently rented for $1,700 per month. The second home features 1 bedroom and 1 bath and rents for $1,500 per month. Driveway provides off-street parking. Convenient location within walking distance of the ferry, restaurants and coffee shops, with bus service at the end of the block. An opportunity to own two income-producing homes in one location!

839 10th Street, Bremerton

Listing Broker: John L. Scott, Inc.; Peppie Anderson; 360-981-8315; peppiea@johnlscott.com

839 10th Street, Bremerton
$399,000
5 Beds ⋅ 3 Baths ⋅ 2599648 MLS ⋅ ACTIVE Status
Two homes on one lot with combined current rents of $3,200 per month! The main home offers 3 bedrooms, 1.75 bath, a covered front porch, living room and eat-in kitchen. Its basement previously served as a separate rental apartment and has been incorporated back into the main home. Currently rented for $1,700 per month. The second home features 1 bedroom and 1 bath and rents for $1,500 per month. Driveway provides off-street parking. Convenient location within walking distance of the ferry, restaurants and coffee shops, with bus service at the end of the block. An opportunity to own two income-producing homes in one location!

839 10th Street, Bremerton

Listing Broker: John L. Scott, Inc.; Peppie Anderson; 360-981-8315; peppiea@johnlscott.com

38808 Hood Canal Drive NE, Hansville
$675,000
3 Beds ⋅ 2 Baths ⋅ 2601361 MLS ⋅ ACTIVE Status
Tucked into the natural beauty of Hansville, where wooded trails meet the saltwater shoreline, this inviting single-level home captures the easy rhythm of Pacific Northwest living. Inside, an airy, open-concept design creates a welcoming flow between everyday living and entertaining. The spacious kitchen takes center stage with granite countertops, a glass tile backsplash, pantry, and generous island made for gathering. The primary suite offers a welcome retreat, complete with a walk-in closet and five-piece bath featuring a soaking tub. Step onto the expansive deck, where a picturesque backyard provides a beautiful backdrop for morning coffee, leisurely dinners, and evenings under the Northwest sky. And here's where practicality meets possibility: an attached two-car garage, a second detached two-car garage with workshop space, PLUS RV parking offer remarkable flexibility for vehicles, recreation, storage, and creative pursuits. With the beach, scenic trails, and a nearby nature preserve just a short stroll away, this Hansville haven brings together room to breathe, space to create, and the quiet pleasures of coastal living.

38808 Hood Canal Drive NE, Hansville

Listing Broker: Windermere RE West Sound Inc; Ida Bear; 206-992-2327; idabearhomes@gmail.com

238 Tracy Avenue N, Port Orchard
$550,000
2 Beds ⋅ 2 Baths ⋅ 2600900 MLS ⋅ FIRST LOOK Status
Sweeping views of Sinclair Inlet, the Olympic Mountains, and the Kitsap Naval Base set the stage for this charming Craftsman-style home. Upstairs, vaulted ceilings complement an open layout connecting the kitchen, dining, and living areas, creating an inviting space for entertaining while taking in the water and mountain views. Downstairs, the impressive primary suite features an oversized jetted soaking tub, a spacious shower with dual shower heads, dual vanities, and access to a private patio. Brand new roof in 2026. Perched on top of downtown Port Orchard, you are close to the foot Ferry, parks, local amenities bringing convenience to this remarkable setting. A home where the views truly take center stage.

238 Tracy Avenue N, Port Orchard

Listing Broker: Paramount Real Estate Group; Donna Cryder; 360-340-5369; Donnacry@gmail.com

15325 Glenshire Place SW, Port Orchard
$895,000
4 Beds ⋅ 4 Baths ⋅ 2600697 MLS ⋅ ACTIVE Status
Welcome home to a one-of-a-kind custom rambler on a private, beautifully landscaped estate where timeless craftsmanship, thoughtful design, & exceptional quality meet. The spacious lot offers a 3-car garage, a Victorian-style greenhouse, & an impressive two-story barn/shed, making this a property unlike any other. Every detail was considered, from gallery-style hallways w/dedicated art lighting to handcrafted finishes & countless custom touches. The expansive great room boasts dramatic beamed ceilings, custom built-ins, a stone fireplace, & seamless indoor-outdoor flow. The gourmet kitchen offers custom cabinetry, a walk-in pantry, a skylight, premium finishes, & generous workspace for entertaining. Retreat to the luxurious primary suite w/Venetian plaster walls, copper ceiling accents, a custom walk-in closet, heated soaking tub, bidet, & a stunning custom marble, travertine, & alabaster shower. Outside, enjoy a covered four-season pergola w/retractable roof & screens, outdoor stone fireplace, built-in gas grill, hot tub, pool, mature landscaping, English-inspired gardens, fruit trees, raised beds, creek frontage, animal facilities, & tranquil spaces made for year-round living. With nearly every inch thoughtfully customized, this home must be experienced in person. A rare chance to own a property with this level of character, privacy, & craftsmanship.

15325 Glenshire Place SW, Port Orchard

Listing Broker: Keller Williams Rty Tacoma; Matt Harber; 253-229-1329; matt@harberhomegroup.com

6035 Waverly Road SW, Port Orchard
$560,000
4 Beds ⋅ 3 Baths ⋅ 2601050 MLS ⋅ ACTIVE Status
MOVE-IN READY in Stetson Heights, Port Orchard! Welcome to the Hawthorne, a beautifully designed home featuring an open-concept floor plan and comfortable living spaces. The spacious great room flows into the island kitchen, complete with slab quartz countertops, stainless steel appliances, soft-close cabinetry, and an oversized walk-in pantry. Upstairs, you'll find four bedrooms, two full bathrooms, and a convenient utility room. Enjoy the added comfort of central A/C, smart home features, a garage door opener, and a fully fenced, landscaped backyard. Nestled in Stetson Heights, this home offers scenic natural surroundings while keeping you close to downtown Port Orchard. Explore the charming shops and diverse dining options along historic Bay Street, or enjoy waterfront strolls, marina views, and community events. Move-in ready and waiting for you to make it home

6035 Waverly Road SW, Port Orchard

Listing Broker: Coldwell Banker Bain; Angela Angell; 206-229-8055; angelaangell@cbbain.com

9413 Shale Avenue NW, Silverdale
$429,950
3 Beds ⋅ 3 Baths ⋅ 2600748 MLS ⋅ ACTIVE Status
Welcome to the Yarrow at Stoneridge, a Lennar community. The first level of this three-story home is host to a versatile flex space and offers access to the two-car garage. Upstairs, the Great Room to kitchen with tons of cabinets, counter space, large island and dining room share a convenient and contemporary open floorplan that allows for effortless transition between rooms- LAMINATE on this entire floor! All kitchen appliances are included as well as Blinds! All three bedrooms occupy the top level of the home, including the luxe owner’s suite which is comprised of a restful bedroom, en-suite bathroom and walk-in closet. Community has 3 parks, basketball court and walking trails throughout. Close to schools, shopping and Banger Base! Prices, dimensions and features may vary and are subject to change. Photos are for representation only. Everything’s Included®, enjoy new stainless steel appliances, quartz countertops, shaker-style cabinetry and more—all at no extra cost. Buyer’s broker must be registered during the customer’s first interaction with a Lennar Associate to be eligible for compensation.

9413 Shale Avenue NW, Silverdale

Listing Broker: Lennar Sales Corp.; Hannah Holden; 253-528-8860; hannah.holden@lennar.com

9365 Shale Avenue NW, Silverdale
$433,950
3 Beds ⋅ 3 Baths ⋅ 2600744 MLS ⋅ ACTIVE Status
Welcome to the Yarrow at Stoneridge, a Lennar community. The first level of this three-story home is host to a versatile flex space and offers access to the two-car garage. Upstairs, the Great Room to kitchen with tons of cabinets, counter space, large island and dining room share a convenient and contemporary open floorplan that allows for effortless transition between rooms- LAMINATE on this entire floor! All kitchen appliances are included as well as Blinds! All three bedrooms occupy the top level of the home, including the luxe owner’s suite which is comprised of a restful bedroom, en-suite bathroom and walk-in closet. Community has 3 parks, basketball court and walking trails throughout. Close to schools, shopping and Banger Base! Prices, dimensions and features may vary and are subject to change. Photos are for representation only. Everything’s Included®, enjoy new stainless steel appliances, quartz countertops, shaker-style cabinetry and more—all at no extra cost. Buyer’s broker must be registered during the customer’s first interaction with a Lennar Associate to be eligible for compensation.

9365 Shale Avenue NW, Silverdale

Listing Broker: Lennar Sales Corp.; Sarah Carr; 253-528-8860; Sarah.r.carr@lennar.com

9389 Shale Avenue NW, Silverdale
$456,950
2 Beds ⋅ 3 Baths ⋅ 2600740 MLS ⋅ ACTIVE Status
This home has Dual PRIMARY SUITES and a extra enclosed office!! Affordable new construction in Kitsap County offering an excellent opportunity for first-time buyers seeking entry-level homeownership. Welcome to the Fern at Stoneridge, a Lennar community. This three-story townhome features a convenient flex room on the first floor. Upstairs is an open concept layout among the Great Room, dining room and kitchen with an attached deck for outdoor living. On the top floor are two bedrooms, each featuring a private full-sized bathroom. Prices, dimensions and features may vary and are subject to change. Photos are for illustrative purposes only. Everything’s Included®, enjoy new stainless steel appliances, quartz countertops, shaker-style cabinetry and more—all at no extra cost. Buyer’s broker must be registered during the customer’s first interaction with a Lennar Associate to be eligible for compensation.

9389 Shale Avenue NW, Silverdale

Listing Broker: Lennar Sales Corp.; Hannah Holden; 253-528-8860; hannah.holden@lennar.com

12842 Wye Lake Boulevard SW, Port Orchard
$475,000
3 Beds ⋅ 2 Baths ⋅ 2600542 MLS ⋅ ACTIVE Status
Located in the beautiful Wye Lake Community, this recently updated home features new luxury vinyl flooring throughout, fresh interior paint, newer appliances (Dishwasher/washer & dryer slightly older but function properly) all stay, 5 year old heat pump with AC, detached 576 sqft 2 car garage with small shop area, 220v service and engine hoist plus newer garage door opener, 2 year old furnace and water heater, new decks off front and back, mature landscaping with full irrigation system for yard and plants, two additional garden and storage shed areas with power, tongue and groove knotty pine ceilings with recessed lighting and dimmers creates a cozy cabin feel, partial view of the lake, updated primary bathroom with new plumbing fixtures, shower and toilet. The primary bedroom also has 2 corner windows that add a lot of style to the room. There is a community boat launch with playground just around the corner and there is a public boat launch on the south end of the lake. Lake is stocked with fish yearly by the State. There are no required community dues or active HOA but they do accept donations and occasionally have volunteer work parties to maintain the community playground and launch area. It is electric motor only. The new owner will receive a key to the boat launch/play ground area. This is an extremely well maintained home with a lot to offer in a great location and affordable price. See today!

12842 Wye Lake Boulevard SW, Port Orchard

Listing Broker: Better Properties Kitsap; John David; 360-509-0691; johndavid@bpkitsap.com

4930 Birkin Lane SW, Port Orchard
$671,950
5 Beds ⋅ 3 Baths ⋅ 2600553 MLS ⋅ ACTIVE Status
This home checks ALL the boxes!! Great yard, Check! Bed and bath on the main, CHECK! Huge loft, CHECK! We present to you the Meridian II plan by LENNAR! This new two-story home is ready for modern lifestyles with a spacious and flexible open-concept layout on the first floor, with a nearby covered patio offering seamless indoor-outdoor living. A convenient bedroom and full bathroom are secluded near the front of the home. On the second level, a versatile bonus room provides a shared living area easily accessible from three bedrooms and a lavish owner’s suite with a full bathroom and walk-in closet. ! Buyer's broker must be registered during customers first interaction with Lennar Associate to be eligible for compensation.

4930 Birkin Lane SW, Port Orchard

Listing Broker: Lennar Sales Corp.; Sarah Carr; 253-528-8860; Sarah.r.carr@lennar.com

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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