Thurston Homes with USDA Loan Terms

Thurston Homes with USDA Loan Terms

Thurston County, located in the state of Washington, is a picturesque region that offers a perfect blend of natural beauty and urban amenities. Situated in the Pacific Northwest, this county is known for its stunning landscapes, vibrant communities, and a thriving real estate market.

Thurston County is home to the state capital, Olympia, making it an attractive destination for those seeking a mix of government services, cultural attractions, and outdoor recreational opportunities. The county is also surrounded by the natural beauty of the Puget Sound, with its numerous waterways, parks, and trails, providing endless opportunities for hiking, boating, and wildlife spotting.

For those looking to purchase a home in Thurston County, the availability of USDA loan terms is a significant advantage. The USDA loan program offers favorable terms and low-interest rates to eligible buyers, making homeownership more accessible and affordable. This program is particularly beneficial for individuals and families with moderate incomes who wish to live in rural or suburban areas.

With USDA loan terms being true in Thurston County, prospective homebuyers can take advantage of this opportunity to find their dream home in a region that offers a high quality of life, excellent schools, and a strong sense of community. From charming historic neighborhoods to modern developments, Thurston County has a diverse range of housing options to suit different preferences and budgets.

Whether you're a nature enthusiast, a city dweller, or someone looking for a close-knit community, Thurston County has something to offer everyone. Explore the real estate opportunities in this beautiful region and make your homeownership dreams a reality.

Newest Thurston Homes with USDA Loan Terms

$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.

$425,000
3 Beds ⋅ 1 Baths ⋅ 2567536 MLS ⋅ ACTIVE Status
Charming 1955 Mid-Century Home in Lacey near the beautiful Panorama Senior Living Pea Patch awaits you. This solid, corner-lot charmer is nestled in a wonderfully happy and welcoming neighborhood and the enchanting yard is colored by its variety of landscaping, creating a private oasis. Combining solid character with modern readiness, this home features updated windows, a single-car garage, dedicated RV parking, and is generator ready for total peace of mind. Quiet mornings on the covered patio, a fenced backyard and a great location, all combine for the perfect place to come home to. Take a look today and see if you can make it your own.

1815 Curtis Court SE, Lacey

Listing courtesy of Realty One Group Bold.

$549,990
4 Beds ⋅ 3 Baths ⋅ 2567091 MLS ⋅ ACTIVE Status
The Christy plan at Willow Glenn boasts a smartly designed layout with plenty of flexible living and entertaining space. Main-floor highlights include an open-concept layout with a spacious great room, a dining area, and a large kitchen with a walk-in pantry and center island. Completing the main floor, you'll find a study with double doors off the foyer and a 1/2 bath. Heading upstairs, a versatile bonus room provides even more gathering space. Plus, you'll enjoy two secondary bedrooms and an expansive primary suite with a spa-like bath and roomy walk-in closet. Upgraded Items include, Covered Patio, Electric Fireplace and interior package. USDA approved property. Buyer's Broker must accompany &/or register Buyer at 1st visit.

9855 Ferns Loop SE, Yelm

Listing courtesy of BMC Realty Advisors Inc.

$450,000
3 Beds ⋅ 2 Baths ⋅ 2567366 MLS ⋅ ACTIVE Status
Turnkey Living Under $450K—Huge Lot, Fresh Upgrades & Absolute Privacy! Welcome home to 4432 29th Ave SE! Perfectly positioned in a quiet, desirable Lacey neighborhood, this move-in-ready gem delivers the ultimate combination of high-value interior updates, massive outdoor space, and unbeatable price positioning. At just $450,000, this property outshines the competition and won't last through the weekend. Key Highlights: Brand-New Flooring Throughout: Step inside to crisp, spotless interiors featuring new high-durability flooring and plush, fresh carpeting across living and bedroom areas. Zero deferred maintenance—just unpack and start living. Exceptional Outdoor Living: Spread out on an expansive, rare-for-the-price lot. Designed for low-stress enjoyment, high privacy, and maximum utility—perfect for weekend BBQs, garden projects, or entertaining. Fully Fenced & Secure: Enjoy complete peace of mind with a robust, fully enclosed perimeter ideal for pets, play, and private outdoor gatherings. Effortless Location: Minutes to schools, parks, shopping centers, and direct commute corridors to JBLM and I-5. Whether you are seeking a high-yield investment, a reliable turnkey start, or a home with real room to breathe, this property represents the best dollar-for-dollar value in the 98503 zip code. Schedule your walkthrough today before it’s gone!

4432 29th Avenue SE, Lacey

Listing courtesy of Cascade Home Group.

$389,000
3 Beds ⋅ 2 Baths ⋅ 2566984 MLS ⋅ ACTIVE Status
Small-town charm meets everyday convenience in the heart of Tenino! This well-maintained 3-bedroom, 2-bathroom home offers a functional layout with comfortable living spaces and plenty of outdoor room to enjoy. The fully fenced backyard is perfect for relaxing, entertaining, gardening, or summer fun by the pool. A spacious detached shop offers excellent flexibility for parking, hobbies, storage, or projects. Located near Tenino City Park, local schools, restaurants, shopping, and everyday amenities, this home puts everything you need within easy reach. With its inviting spaces, generous outdoor area, and versatile shop, this is a great opportunity to make it your own.

1173 Park Ave, Tenino

Listing courtesy of Capitol Real Estate LLC.

$590,000
2566324 MLS ⋅ ACTIVE Status
Beautiful side-by-side rambler duplex with territorial views in Tenino! Offered for sale as the owners retire, this well-maintained investment presents an exceptional opportunity for investors or owner-occupants alike. Each spacious unit features 3 bedrooms, 2 full bathrooms, and an attached 2-car garage, separated by the garages for added privacy. Situated on a level, dry 31,492 sq. ft. (.723-acre) lot, the property offers potential for additional units (buyer to verify) and includes RV power hookups. Live in one side while generating income from the other, or maximize your investment by renting both units. Enjoy inviting covered front porches, private rear patios with a privacy fence between units, and a peaceful setting with room to grow. Recently connected to city sewer, with NO HOA. Recent updates include new carpet in Unit A (2022), a new dishwasher in Unit A (2025), and a new dishwasher in Unit B (2020). All kitchen appliances are included; washers and dryers belong to the tenants, as does the refrigerator in Unit B. Sellers currently pay water, sewer, and garbage. Rarely does a duplex this clean, versatile, and well cared for become available—ask your broker to schedule a showing today!

149 N Wherrett Street, Tenino

Listing courtesy of John L. Scott Lacey.

$509,900
3 Beds ⋅ 3 Baths ⋅ 2566156 MLS ⋅ ACTIVE Status
Discover the Beech, a beautifully designed 2-story home that combines modern style with everyday functionality. The covered front porch sets a welcoming tone, while the open-concept layout inside offers the ideal space for entertaining and daily living. The chef-ready kitchen comes complete with quartz countertops, 42” white upper wood cabinetry, a full suite of stainless-steel appliances, and a spacious island. LGI Homes also offers: builder-paid closing costs, $0 down options, interest rate buydowns, and MORE! If you are working with a licensed broker, please complete the Prospect Registration Agreement (*Site Registration Policy #4898) & submit prior to your first visit to the Shelm Meadows Information Center.

9723 Brown Street SE, Yelm

Listing courtesy of LGI Realty.

$515,000
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.

$515,500
3 Beds ⋅ 2 Baths ⋅ 2561151 MLS ⋅ ACTIVE Status
Nestled on nearly 2.5 acres of peaceful, wooded privacy, this charming rambler offers the perfect balance of comfort, nature & functionality. Tucked into a sunny clearing surrounded by towering trees, the property feels like your own private retreat. Enjoy established garden space, gather around the fire pit, or relax under the cabana while taking in the sights & sounds of nature. Wildlife is abundant, with visits from deer, rabbits, wild turkeys, bald eagles & even the occasional peacock. The home features a light-filled living room that flows seamlessly into the dining area & kitchen, creating an open & welcoming space. The two ¾ bathrooms offer grab bars & walk-in showers for easy access. A cozy wood stove adds warmth & ambiance during the cooler months & a ductless heat pump offers efficient supplemental heating as well as AC for year-round comfort. In addition to the attached garage, you'll appreciate the extra covered parking for a boat or additional vehicle, and a large gravel parking area with room for more cars & RV parking. Although you'll feel miles away from it all, the property is located just 5 min. from the charming town of Rainier, where you'll find restaurants, shops, & access to the Chehalis Western Trail & Thurston County's Rails-to-Trails system for walking or biking. If you've been searching for a private Northwest retreat with room to breathe, abundant wildlife & all the charm of country living, this exceptional property is ready to welcome you home.

14342 Brandie Court SE, Yelm

Listing courtesy of Riley Jackson Real Estate Inc..

$2,000,000
3 Beds ⋅ 2 Baths ⋅ 2565661 MLS ⋅ ACTIVE Status
If you're looking for a farming lifestyle then this is the place for you. This 3 Bdr. 1.5 bath, 1,628 Sq. ft. home with a 6,000 sq. ft. hay barn, that has feeding & storage capabilities, sits on 228.88 acres +-. The orchard has plum, pear & apple trees, some over 100 years old. If you like gardening there is plenty of room for a garden. There are many views of Mount Rainier from different locations on the property. In the winter there is duck & goose hunting from the spring fed pond. In the summer it produces hay & pasture for the cattle. There are several herds of elk that spend some time on the ranch which provides the opportunity for hunting. Approximately 54 acres are in hay production, & with fertilizer may produce a 100 ton, (+ or -) of hay. The ranch is made up of four separate parcels, with two entrances off Bald Hill Road. The drainage ditch on the eastern side was dug in 1857. Close to town, but in the country. Buyers must provide verifiable evidence of funds or a bank approval letter prior to confirmation of a property showing appointment. Seller is a licensed real estate broker in the state of Washington.

12649 Bald Hill Road SE, Yelm

Listing courtesy of Yelm Windermere.

$505,000
3 Beds ⋅ 3 Baths ⋅ 2563633 MLS ⋅ ACTIVE Status
Well maintained 1599 SF home in the desirable Lancaster neighborhood in Lacey! This 3-bedroom 2.5 bath home features a bright open floor plan perfect for everyday living and entertaining. The kitchen is equipped with stainless steel appliances and flows seamlessly into the dining and living areas where a cozy gas fireplace creates a warm and inviting atmosphere. The dining area opens to a patio and fully fenced back yard. The spacious primary suite includes a private bath, 2 additional bedrooms a full bath and laundry room upstairs. Situated on a large corner lot, this home also features a 2-car garage and is connected to city water and sewer and access to the neighborhood playground. Conveniently located near schools, parks, shopping, restaurants, I-5 and JBLM and Long Lake for kayaking, swimming and fishing. Move in ready and waiting for you to call this house your home.

8117 27th Avenue SE, Lacey

Listing courtesy of BHGRE - Northwest Home Team.

$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.

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