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

1612 N 38th Street, Seattle
$1,199,000
2592815 MLS ⋅ ACTIVE Status
This conveniently located legal duplex offers exceptional flexibility and income potential—ideal for investors, owner-occupants, or multi-generational living. Live in one unit and rent the other to help offset expenses, or take advantage of the property’s established rental potential, having previously operated as an Airbnb.Each unit is separately metered and equipped with its own tankless water heater. Additional features include a new roof, off-street parking, basement storage, a stone patio for entertaining, and a private fenced backyard.Enjoy impressive Seattle skyline views from both units. The upper unit features double French doors opening to a balcony, while the lower level offers the charm of a welcoming wrap-around porch.Conveniently located just minutes from I-5, the University of Washington, Gas Works Park, John Stanford International School, and other highly regarded schools, this property combines location, versatility, and investment potential in one compelling opportunity. We will be holding open houses on Saturday and Sunday, October 17–18 and 24–25, from 10:00 AM to 2:00 PM each day.

1612 N 38th Street, Seattle

Listing Broker: Skyline Properties, Inc.; Amir Rashidi; 206-498-2290; amir@gotobuysell.com

334 Devoe Street NE, Olympia
$1,495,000
2592804 MLS ⋅ ACTIVE Status
AMAZING 8 UNIT INCOME PRODUCING INVESTMENT in good area. # Br house with "bomb shelter" and Garage. 4 Storage sheds, Coin operated Laundry area. All M-2-M rents. One unit occupied by site manager (#7).

334 Devoe Street NE, Olympia

Listing Broker: RE/MAX Parkside Affiliates; Thomas Schrader; 360-480-9387; toms@remax.net

3302 Taylor Road, Oak Harbor
$849,000
3 Beds ⋅ 3 Baths ⋅ 2592623 MLS ⋅ ACTIVE Status
Welcome to this inviting country-setting home, thoughtfully designed with flexible living spaces, new carpet, abundant storage, and room to enjoy the outdoors. Beautifully landscaped grounds feature raised garden beds, multiple outbuildings, a covered back porch/patio, and a spacious 3-car garage with built-in storage shelving. Inside, the open-concept main level connects the living, dining, and kitchen areas for easy everyday living and entertaining. The eat-in kitchen offers a large center island, stainless steel appliances, generous pantry storage & ample cabinetry. A main-floor bedroom provides an excellent option for a home office, guests, or flexible use, with a nearby ¾ bath. Upstairs, the expansive primary suite features vaulted ceiling & a well-appointed ensuite with dual vanities, a soaking tub, designer tile & walk-in closet with built-in shelving. The upper level also includes an oversized flex room, ideal as a media room, lounge, playroom, home gym, or potential additional bedroom—plus a dedicated laundry room, more storage, full shared bath & 2 additional bedrooms. Located just minutes from the Highway 20, this country-setting home offers convenient access to restaurants, shopping, schools, and NAS Whidbey Island—providing a comfortable balance of peaceful living and everyday accessibility.

3302 Taylor Road, Oak Harbor

Listing Broker: Better Homes&Gardens McKenzie; Jim Woessner; 360-929-2302; jim@mckenziebhg.com

1741 119th Avenue SE Unit #3-26, Lake Stevens
$799,950
5 Beds ⋅ 4 Baths ⋅ 2592740 MLS ⋅ ACTIVE Status
Take advantage of this Presale opportunity and personalize your new home. Open-concept design that lives large! Featuring a luxurious primary suite with an oversized walk-in closet and a flexible loft space perfect for a home office, paly or media room. Your personal design finishes will shine throughout, from sleek quartz countertops to durable luxury vinyl plank flooring. The garage includes a built-in EV charger for modern convenience, and the fully landscaped, fenced yard to add privacy and polished curb appeal. Energy Star Certified delivers year-round efficiency and comfort. Final pricing will be based on your selections, so you can build the home that fits your life perfectly. From land to your dream home.

1741 119th Avenue SE Unit #3-26, Lake Stevens

Listing Broker: KB Home Sales; Nikki Wiley; 253-223-3138; nmwiley@kbhome.com

1282 Retsil Road E, Port Orchard
$495,000
3 Beds ⋅ 3 Baths ⋅ 2588590 MLS ⋅ ACTIVE Status
Welcome to the Spacious Home you've been yearning for! At a price you can Afford! 2352 Sq. Ft remodeled and ready for you to spread out, relax and enjoy! Kitchen and Primary on main floor. SS appliances, Granite Countertops, room to work. Easy access to unload the groceries. Primary bedroom features ensuite 5 piece bath and walk in closet. Downstairs find 2 bedrooms, full bath, office and Family Room. Enjoy the outdoors on your expansive decks with a peek-a-view of the Harbor. Close to Shopping, Medical, Shipyards, Ferries. The property is fully fenced for pets and privacy. See it to Believe it!

1282 Retsil Road E, Port Orchard

Listing Broker: RSVP Brokers ERA; Linda L. Alexander; 206-595-9908; lindaalexander96@gmail.com

3723 85th Street Ct E, Tacoma
$490,000
3 Beds ⋅ 3 Baths ⋅ 2592265 MLS ⋅ ACTIVE Status
Welcome home to Wyndsong, a private gated community! This well-maintained two-story home is bright and clean.  It sits on a large, level corner lot with an amazing backyard featuring a covered patio, hot tub, firepit, and golf zone.  A gas fireplace anchors the open living and dining area, which flows into a kitchen with stainless steel appliances, an eating space, abundant cabinetry and a walk-in pantry. Three large bedrooms include a primary suite with vaulted ceilings, a 5-piece bath and a walk-in closet, while the upstairs loft offers flex space for an office or media room. Step through the slider to your own backyard retreat, complete with a custom covered patio with overhead lighting, a hot tub, a firepit and a golf zone with a pitching and putting green. The fully fenced is perfect for entertaining, playing, and relaxing.  You will love the golf zone, garden space, and shed.  Additional highlights include a new AC, a laundry room, a large two-car garage with storage space and many nearby schools.  *Don’t miss this opportunity!*

3723 85th Street Ct E, Tacoma

Listing Broker: KW Everett; Toby Kienzle; 206-899-0095; toby@bktnorthwest.com

9019 172nd Street NE, Arlington
$599,900
3 Beds ⋅ 4 Baths ⋅ 2592691 MLS ⋅ ACTIVE Status
Modern Townhome Near the Centennial Trail. Experience the perfect blend of stylish townhome living and outdoor adventure in the Cyrus floor plan by LGI Homes. Nestled in the heart of Arlington, this home offers unparalleled access to local recreation. You are just moments away from a fantastic community park for small kids, breathtaking scenic outdoors, and local wildlife viewing. Best of all, the famous 22-mile paved Centennial Trail runs right through the center of Arlington, allowing you to walk, bike, or rollerblade for miles just minutes from your front door. Boasting three levels of modern living space, this 3-bedroom, 3.5-bathroom townhome delivers premium upgrades and an effortless lifestyle. Step inside from the covered front porch or the attached garage to find a versatile first-floor bedroom suite, ideal for guests. The main level features a bright, airy great room designed for relaxation. The adjacent gourmet kitchen is equipped with upscale wood cabinetry, sleek quartz countertops, a large prep island, and stainless steel Whirlpool® appliances. The top floor isolates the sleeping quarters for maximum privacy, featuring a generous owner's suite and an additional bedroom. Enjoy the designer touches of the CompleteHome™ Plus package, curated to provide modern efficiency and timeless elegance.

9019 172nd Street NE, Arlington

Listing Broker: LGI Realty; Zachary Penrod; 206-818-0807; zachary.penrod@lgihomes.com

8931 172nd Street NE, Arlington
$509,900
2 Beds ⋅ 3 Baths ⋅ 2592638 MLS ⋅ ACTIVE Status
Welcome home to the stylish Berlin floor plan at Allen Townhomes in Arlington, WA, offering modern low-maintenance living just minutes from local schools, shopping, and dining. Property highlights; 3-story layout with smart, functional design. 2 spacious bedrooms upstairs for optimal privacy.2.5 bathrooms featuring contemporary fixtures. Bright open-concept main level ideal for daily living and hosting guests. Chef-ready kitchen with quartz countertops, clean white cabinetry, a large central island, and stainless steel Whirlpool® appliances. Versatile lower-level flex space perfect for a home office, a private home gym, or a cozy media room. Location & Convenience Close to local schools for an easy daily commute. Minutes from shopping and everyday essentials in Arlington. Near popular dining options ranging from casual eateries to local favorites. Limited-Time Builder Incentives, Builder-paid closing costs to save you money at signing, $0-down options to help make buying easier. Interest rate buydowns for lower monthly payments.

8931 172nd Street NE, Arlington

Listing Broker: LGI Realty; Zachary Penrod; 206-818-0807; zachary.penrod@lgihomes.com

9007 172nd Street NE, Arlington
$589,900
3 Beds ⋅ 4 Baths ⋅ 2592663 MLS ⋅ ACTIVE Status
The Entertainer’s Dream! Luxury and modern convenience await in the Cyrus by LGI Homes, a meticulously designed three-story townhome perfect for contemporary living. Located in a desirable neighborhood, this layout features 3 bedrooms, 3.5 bathrooms, a 1-car garage, and a covered front porch. Host with Pride: The open-concept second level is an absolute showstopper. Your chef-ready kitchen comes fully loaded with striking quartz countertops, a massive center island, premium Whirlpool® appliances, and elegant wood cabinetry that flows effortlessly into the expansive living area. Private Guest Oasis: The ground floor boasts a completely secluded guest suite with a private full bathroom, offering the ultimate setup for multi-generational living, out-of-town visitors, or a quiet home office. Top-Floor Retreat: The third level serves as a peaceful sanctuary. It features a spacious owner’s suite with a walk-in closet and private bath, alongside an additional well-appointed bedroom and full bath. Turn-Key Luxury: Move right in without the stress of upgrading. This home features the complete CompleteHome™ Plus package, delivering high-end finishes, modern smart home technology, and energy-efficient fixtures at no extra cost.

9007 172nd Street NE, Arlington

Listing Broker: LGI Realty; Zachary Penrod; 206-818-0807; zachary.penrod@lgihomes.com

127 E Wilson Street, Shelton
$394,950
3 Beds ⋅ 2 Baths ⋅ 2591805 MLS ⋅ ACTIVE Status
Welcome to this extremely well-maintained, clean, and move-in ready home in Shelton Hillcrest area. Home offers 1,100 sq ft of comfortable living space with 3 bedrooms and 1.75 baths. Pride of ownership shines throughout, making this a home you can move into and enjoy from day one. The fully fenced generous size yard is neat, well cared for, and a great space for relaxing, gardening, entertaining, or enjoying time outdoors. A one-car garage provides convenient parking and storage, while the storage shed offers even more room for tools, equipment, and outdoor essentials. The kitchen with eating space includes all appliances, making the transition to your new home even easier. With its manageable size, functional layout, fenced yard, garage, and excellent condition, this property is a wonderful opportunity for a first-time buyer, downsizer, or anyone looking for a home that has been lovingly maintained. Come see all this Shelton home has to offer!

127 E Wilson Street, Shelton

Listing Broker: LISTINGS.COM; Dane Johnston; 206-941-0484; Dane@DaneLJohnston.com

950 SE 4th Avenue, Oak Harbor
$498,000
4 Beds ⋅ 2 Baths ⋅ 2589221 MLS ⋅ ACTIVE Status
Beautifully remodeled 4 bedroom home with updates throughout plus it is situated on a spacious fenced 1/3 acre lot. Enjoy the covered back deck overlooking the expansive yard, fruit trees, super handy garden/tool shed, and a large detached double carport which could be ideal for the backyard mechanic or a wonderful picnic/BBQ area! Major updates include concrete siding, Milgard windows, plumbing, flooring, plus a nearly new metal roof installed in 2021. The living room boasts a natural gas fireplace; perfect for those chilly nights! Lots of impressive custom millwork, while the kitchen features beautiful cabinets, quartz counters, & stainless steel appliances. Don’t miss the flex room upstairs with huge walk in closet, perfect for a 4th bedroom or home office with plenty of extra storage area. Super convenient to all services, Neil park is just down the street, and NAS Whidbey is literally 5-10 minutes away. Move right in, call it home & enjoy!!

950 SE 4th Avenue, Oak Harbor

Listing Broker: Better Homes&Gardens McKenzie; Craig McKenzie; 360-929-1712; craig@mckenziebhg.com

32329 133rd Place SE, Sultan
$527,000
3 Beds ⋅ 2 Baths ⋅ 2592390 MLS ⋅ ACTIVE Status
Welcome home to Daisy Crossing in Sultan! This beautifully designed 3-bedroom, 1.75 bath rambler offers 1,684 sq ft of comfortable, single-level living. The welcoming oversized entry hallway welcomes you to the homes bright, open concept floor plan that seamlessly connects the kitchen, dining and living areas. Impressive kitchen complete with a massive quartz island, stainless steel appliances, shaker-style cabinetry, and a gas range. The primary suite offers a relaxing retreat, complete with a private ensuite bath featuring dual-sink vanity and a generous walk in closet. Two additional bedrooms provide flexibility for guests, a home office, or hobbies. Step outside to a fully fenced backyard with a patio, perfect for relaxing or entertaining. Complete with a 2-car garage and conveniently located near local amenities, outdoor recreation, and Highway 2. Don’t miss this opportunity to enjoy easy living in a welcoming community!

32329 133rd Place SE, Sultan

Listing Broker: KW North Sound; Lance Otto; 425-330-1947; lanceotto@kw.com

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