Whatcom County Homes with USDA Loan Terms

Whatcom County Homes with USDA Loan Terms

Located in the beautiful state of Washington, Whatcom County is a gem nestled in the Pacific Northwest region of the United States. Known for its stunning natural landscapes and vibrant communities, this county offers a fantastic place to call home.

Whatcom County is situated in the northwestern corner of Washington, bordered by the Canadian province of British Columbia to the north. With its diverse geography, residents of Whatcom County can enjoy the best of both worlds, from the picturesque coastline along the Salish Sea to the majestic mountains of the North Cascades.

One of the advantages of living in Whatcom County is the availability of homes with USDA loan terms. The USDA loan program, offered by the United States Department of Agriculture, provides financing options for homebuyers in eligible rural areas. This means that individuals and families in Whatcom County can take advantage of affordable housing options with low-interest rates and flexible terms.

Whether you're looking for a cozy cottage in a small town or a spacious family home in a more suburban area, Whatcom County has a wide range of properties to suit different needs and budgets. From charming historic homes in Bellingham, the county's largest city, to peaceful retreats in the rural communities of Ferndale and Lynden, there is something for everyone in this picturesque county.

With its natural beauty, strong sense of community, and affordable housing options, Whatcom County is a fantastic place to settle down and call home. Explore the possibilities and find your dream home in this idyllic corner of Washington state.

Newest Whatcom County Homes with USDA Loan Terms

1737 Sunup Loop, Bellingham
$489,000
3 Beds ⋅ 2 Baths ⋅ 2585976 MLS ⋅ ACTIVE Status
Like-new townhome in Bellingham’s desirable Sunset Village community! This thoughtfully designed 3-story home offers 3 bedrooms, 1.75 baths, an oversized garage, and modern finishes throughout. The open-concept main level features quartz countertops, crisp white cabinetry, and stainless-steel appliances. Enjoy a convenient location close to shopping, dining, the bus line, and nearby trails. A great opportunity to own a low-maintenance home in a growing Bellingham neighborhood!

1737 Sunup Loop, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Lynzi Cowden; 360-739-2165; lynzicowden@windermere.com

530 E Sunset Drive Unit #10, Bellingham
$634,900
2 Beds ⋅ 1 Baths ⋅ 2591471 MLS ⋅ ACTIVE Status
Chic, brand-new urban cottage in the new Sunset Commons neighborhood! This light-filled 2-bed, 1-bath home with an upper 255 sqft loft offers effortless open-concept living and modern style throughout. The kitchen pops with quartz counters, full-height tile backsplash, eat-in island, and stainless steel appliances, while the spa-inspired bath features matching quartz finishes and a fully tiled tub/shower. A private oversized garage with upper storage loft is a rare bonus. Enjoy low-maintenance living in Bellingham’s Sunnyland neighborhood, close to I-5 and an easy walk to downtown.

530 E Sunset Drive Unit #10, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Lynzi Cowden; 360-739-2165; lynzicowden@windermere.com

504 12th Street, Bellingham
$1,399,000
3 Beds ⋅ 3 Baths ⋅ 2586018 MLS ⋅ ACTIVE Status
Like-new South Hill townhome offering a refined blend of luxury, thoughtful design, and breathtaking bay views. Inspired by Restoration Hardware, this 3-story residence showcases exceptional craftsmanship, abundant natural light, and elevated finishes throughout. Quartz countertops, custom cabinetry, designer tile, RH fixtures, and premium appliances create a sophisticated, cohesive aesthetic. The open-concept top-floor living space is designed for effortless entertaining, with expansive windows and a walk-out deck overlooking the water. A beautifully appointed primary suite on the main level offers a private retreat with understated elegance. Ideally located just moments from Boulevard Park, Taylor Dock, Fairhaven, and downtown Bellingham, this exceptional home delivers a truly elevated lifestyle in one of the city’s most sought-after neighborhoods.

504 12th Street, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Lynzi Cowden; 360-739-2165; lynzicowden@windermere.com

530 E Sunset Drive Unit #12, Bellingham
$629,900
2 Beds ⋅ 2 Baths ⋅ 2591461 MLS ⋅ ACTIVE Status
Welcome to your brand-new urban sanctuary in the coveted Sunset Commons neighborhood! This charming 2-story, 2-bedroom, 2-bath cottage boasts open-concept living with sleek modern finishes and an abundance of natural light. The chef-inspired kitchen features quartz countertops, a full-height custom tile backsplash, stainless steel appliances, and an eat-in center island perfect for entertaining. The main-level bedroom is complemented by a beautifully tiled walk-in shower with quartz countertops, while the upstairs primary suite offers an en-suite bathroom with a fully tiled tub/shower and quartz finishes, plus a cozy sitting nook ideal for reading or relaxing. Additional highlights include a private oversized garage with a loft for storage and thoughtful attention to detail throughout. Perfect for those seeking a simpler, modern lifestyle, this home is close to I-5 and within walking distance to downtown Bellingham in the sunny Sunnyland neighborhood.

530 E Sunset Drive Unit #12, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Lynzi Cowden; 360-739-2165; lynzicowden@windermere.com

530 E Sunset Drive Unit #14, Bellingham
$619,900
2 Beds ⋅ 1 Baths ⋅ 2591441 MLS ⋅ ACTIVE Status
Welcome to your brand-new urban sanctuary in the desirable Sunset Commons neighborhood! This 2-bedroom, 1-bath cottage with an upper 110sqft loft offers bright, open-concept living with sleek modern finishes and abundant natural light. The kitchen impresses with quartz countertops, a full-height custom tile backsplash, and stainless steel appliances. The bathroom features quartz countertops and a fully tiled tub/shower combo. Additional highlights include a private oversized garage with a loft for extra storage. Perfect for those seeking a simpler, modern lifestyle, this charming cottage is close to I-5 and within walking distance to downtown Bellingham in the sunny Sunnyland neighborhood.

530 E Sunset Drive Unit #14, Bellingham

Listing Broker: Windermere RE Whatcom, Inc.; Lynzi Cowden; 360-739-2165; lynzicowden@windermere.com

2348 Yew Street Road, Bellingham
$799,000
3 Beds ⋅ 3 Baths ⋅ 2591253 MLS ⋅ ACTIVE Status
Exceptionally maintained rambler on nearly three-quarters of an acre with endless possibilities! Plenty of room for a shop, ADU, RVs, gardens, or whatever you envision. Pull into the driveway lined with mature lilacs, beautiful landscaping, and abundant parking. The fully fenced yard features a wide gate for easy backyard access, a full RV hookup, and water and power to the backyard shed. Step inside to a spacious, light-filled living room with skylights, a GreenSmart gas fireplace, and an open flow into the dining area and kitchen. An expansive deck off the kitchen creates the perfect space for entertaining and connects directly to the bonus room and primary suite. The first guest bedroom offers en suite access to the half bath, while the second sits across the hall from a full bathroom. A generous utility room with pantry storage adds even more functionality. The spacious primary suite features dual closets, an en suite bathroom with dual sinks, and a walk-in shower. Beyond the primary bedroom is a large bonus room with direct deck access, ideal as a second living area, home office, gym, or hobby space. Step outside to enjoy the freshly painted deck, hot tub that conveys, blueberry bushes, garden space, and your own private backyard oasis. Major updates include the furnace, water heater, windows, and roof. Close to schools, shopping, Galbraith Mountain, Whatcom Falls Park, and Lake Padden.

2348 Yew Street Road, Bellingham

Listing Broker: Keller Williams Western Realty; Richard E Crane; 360-790-2240; Richardecrec@gmail.com

2071 Valley Hwy 9, Deming
$499,000
3 Beds ⋅ 2 Baths ⋅ 2590758 MLS ⋅ ACTIVE Status
Step into Acme history with this remarkable settlers home, thoughtfully preserved and brimming with possibilities. Mixed-use zoning and highway access create an exceptional opportunity for residential, commercial, or investment use. The 1,638 sq ft main residence offers 3 bedrooms on the main level, plus a bonus area upstairs currently in use as an Airbnb. The property’s additional treasures are two historic outbuildings. The spectacular 2,070 sq ft former livery stable is now a commercial building while retaining its original, pristine bow trusses—an exceptional setting for a business, studio, gathering space, or future creative use. The 660 sq ft former barn includes heated office and workspace, ready for work or business use. The generous yard provides a wonderful backdrop for entertaining, events, gardening, or simply enjoying the peace and character of country living. Here, you can have the best of all worlds: the space, charm, and history of a rural property with the convenience of Acme’s small-town amenities close at hand. A truly special opportunity to own a piece of Acme’s past while taking advantage of its flexible mixed-use zoning and highway access. *See supplements for pertinent information.

2071 Valley Hwy 9, Deming

Listing Broker: Windermere RE Whatcom, Inc.; Maria Dahl; 360-201-9111; mariadahl@windermere.com

321 W 3rd Street, Everson
$564,950
3 Beds ⋅ 2 Baths ⋅ 2589226 MLS ⋅ ACTIVE Status
Vaulted ceilings give this 3 bedroom, 2 bathroom home a bright, open feel, and mountain views add to the setting. The bedrooms are spacious and the living room is massive, with a fireplace and built-in cabinets and shelving on both sides for storage and display. The kitchen features stainless steel appliances, quartz countertops throughout, and a tile backsplash, with plenty of cabinet space. Outside, the front patio is a great spot for reading, and the large back patio and yard give you plenty of room for hosting, hanging out, and enjoying the mountain views. Schedule your showing today!

321 W 3rd Street, Everson

Listing Broker: Windermere RE Whatcom, Inc.; Jason Heutink; 360-305-9135; jasonheutink@windermere.com

371 Lakeside Drive, Sedro Woolley
$449,000
2 Beds ⋅ 1 Baths ⋅ 2588247 MLS ⋅ ACTIVE Status
Come discover this delightful 2-bedroom, 1-bath home with the flexibility to easily function as a 3-bedroom. Nestled on a beautiful lakefront canal with access to Cain Lake, this property offers year-round recreation.The main living area features a cozy wood stove, while the lower level includes additional bedroom/living space with a second wood stove—ideal for creating a separate mother-in-law setup with its own private entrance. Step onto the new deck and enjoy peaceful water and Mountain views from the privacy of your own porch.The spacious partially fenced yard provides plenty of room for all of your outside recreational needs. A large unfinished basement space offers abundant storage and exciting potential for future use. This home has lots of flexibility and the space to make this exactly what you are looking for. Living in Glenhaven allows for Mount Baker or Burlington Edison School District, and there is bus service to both.Whether you're paddle boarding, kayaking, fishing or just enjoying the wildlife and views, this inviting property offers the opportunity to enjoy the best of lake living in every season.Enjoy all Glenhaven has to offer, clubhouse, playground, tennis court and seasonal pool.Only 5 minutes to I-5 and 15 minutes to Bellingham or Mount Vernon. Be sure to take a look at the virtual tour video.

371 Lakeside Drive, Sedro Woolley

Listing Broker: Windermere RE Skagit Valley; Geri Cole; 360-391-1614; gericole@windermere.com

6069 Rossie Lane, Ferndale
$645,000
4 Beds ⋅ 3 Baths ⋅ 2590358 MLS ⋅ ACTIVE Status
Welcome to 6069 Rossie Lane, an opportunity to own a 4-bedroom, 2.5-bath home in one of Ferndale’s most desirable neighborhoods. Offering 2,278 sq. ft. of living space, this home combines an inviting open layout with generous room to live, work, entertain, and grow. The main level features a spacious kitchen with stainless steel appliances, oversized island, breakfast bar, and generous storage, flowing seamlessly into the adjoining living and dining areas. Shiplap and brick accents add warmth and character throughout. Upstairs, the primary suite includes a walk-in closet and ensuite bath with dual vanity and glass-enclosed shower, along with three additional bedrooms and a versatile bonus room. A large laundry room, convenient drop zone, two-car garage, fenced yard, and deck add everyday functionality. Located close to schools, parks, shopping, and local amenities, Rossie Lane offers a desirable location, generous floor plan, and room to personalize. This is an opportunity to create lasting value in a neighborhood that is already a standout.

6069 Rossie Lane, Ferndale

Listing Broker: Realty One Group Turn Key; David Crisp; 253-330-0816; davidraycrisp@gmail.com

5823 Northwest Drive, Ferndale
$495,000
3 Beds ⋅ 2 Baths ⋅ 2588333 MLS ⋅ CONTINGENT Status
Rare opportunity in a desirable Ferndale location! This inviting 3-bedroom, 2-bath, 1,088 sq ft home features a bright, open floor plan and sits on a nearly one-acre, level lot with exceptional versatility. Whether you're looking for space for hobbies, vehicles, equipment, storage, or future plans, this property offers room to make it your own. A spacious 2-car detached garage is complemented by a large 2-door shop, providing abundant workspace and storage with the flexibility for vehicle projects, a workshop, equipment, or potentially operating a personal business from the property. The level lot features established apple, blueberry, and raspberry plantings, adding to its appeal and functionality. You'll also find a full RV hookup, making the property especially versatile for RV owners and guests. Enjoy the convenience of being just minutes from both Ferndale and Bellingham, while having nearly an acre of usable space. With an open-concept home, outbuildings, established fruit and berry plants, RV hookup, and a flat lot in a desirable location, this property offers a unique combination of comfort, workspace, and oppo rtunity.

5823 Northwest Drive, Ferndale

Listing Broker: Windermere RE Whatcom, Inc.; George Geer; 360-739-0987; georgegeer@windermere.com

5061 South Pass Road, Sumas
$1,199,000
3 Beds ⋅ 3 Baths ⋅ 2590190 MLS ⋅ ACTIVE Status
Discover your own private Northwest retreat on 8.75 wooded acres! Tucked behind a gated paved entrance, this beautifully designed home combines peaceful country living with quality finishes, thoughtful details & flexible living spaces. The light-filled main level offers easy one-level living with a spacious primary suite, soaring ceilings, expansive windows & a dramatic floor-to-ceiling stone fireplace. The open-concept gourmet kitchen features quartz countertops, custom cabinetry, premium appliances & generous space for gathering and entertaining. Step outside to the large deck overlooking the private, wooded surroundings. The fully finished daylight basement expands the possibilities with a second living area, partial kitchen, two additional bedrooms, full bath, second laundry hookup & separate entrance opening to a covered patio—ideal for guests, multi-generational living or potential ADU-style use. Beautifully landscaped grounds, mature trees & acreage provide privacy and room to enjoy the outdoors, with potential space for a future shop or additional improvements (buyer to verify). Additional features include a propane backup generator & ductless heat pump with A/C . A unique opportunity to enjoy space, privacy & versatility just 30 minutes from Bellingham.

5061 South Pass Road, Sumas

Listing Broker: RE/MAX Whatcom County, Inc.; Tammy Parker; 360-739-5474; tammyparker@nwhomes.net

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