Centralia Homes with USDA Loan Terms

Centralia Homes with USDA Loan Terms

Welcome to Centralia, a charming neighborhood located in Lewis County, Washington, USA. Known for its small-town atmosphere and beautiful surroundings, Centralia offers a fantastic place to call home.

Situated in the heart of the Pacific Northwest, Centralia boasts a unique blend of natural beauty and urban convenience. With its picturesque landscapes, including the nearby Mount Rainier and the Chehalis River, residents can enjoy a wide range of outdoor activities such as hiking, fishing, and camping.

Centralia is also known for its rich history and vibrant community. The downtown area features a variety of shops, restaurants, and local businesses, providing residents with plenty of options for shopping and dining. The neighborhood hosts several events throughout the year, including the Centralia Farmers Market and the Centralia Balloon Festival, which showcase the area's culture and community spirit.

For those looking to purchase a home in Centralia, there are excellent options available with USDA loan terms. The USDA loan program offers favorable terms and low-interest rates to eligible homebuyers, making homeownership more affordable and accessible. Whether you're a first-time buyer or looking to upgrade to a larger home, the USDA loan program can help you achieve your real estate goals in Centralia.

With its idyllic setting, strong sense of community, and the availability of USDA loan terms, Centralia presents an excellent opportunity for those seeking a home in the Pacific Northwest. Don't miss out on the chance to be a part of this wonderful neighborhood. Start exploring the real estate options in Centralia today!

Newest Centralia Homes with USDA Loan Terms

$750,000
5 Beds ⋅ 4 Baths ⋅ 2575065 MLS ⋅ ACTIVE Status
First time on the market! Enjoy private country living while still being just minutes from everyday amenities with easy freeway access. Set on over 5 level acres, this well-cared-for property reflects true pride of ownership and offers fruit trees, a creek, multiple outbuildings, plenty of gardening space, and ample parking for guests, RVs, trailers, or additional vehicles.Inside, you’ll find thoughtful updates throughout, including newer solid wood doors and trim, new carpet, and hardwood flooring throughout much of the main level. The large kitchen offers plenty of counter and cabinet space and flows nicely into the main living areas, making it a great space for everyday living and entertaining.Upstairs, the spacious bonus room adds even more flexibility, with plumbing already in place and the potential for a kitchen conversion, creating a great option for multigenerational living, extended guests, or additional living space.With usable acreage, room to garden, plenty of parking, versatile living space, and a peaceful setting close to town, this is one you’ll want to see. Schedule your showing today!

364 Blanchard Road, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

$414,900
2562786 MLS ⋅ ACTIVE Status
Whether you're looking to invest or owner-occupy, this charming duplex is full of opportunity! Situated on a spacious corner lot in a highly desirable neighborhood, this well-maintained property offers a strong rental history and an ideal layout. Each unit features 2 generously sized bedrooms, 1 full bath, and comfortable living spaces designed for everyday living. Recent updates include a newer roof and plumbing, providing added peace of mind. A detached garage, ample off-street parking, and close proximity to schools, shopping, restaurants, and everyday amenities make this a standout investment. Live in one unit and rent the other, or add this turnkey duplex to your investment portfolio!

517 Center Street, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

$450,000
5 Beds ⋅ 2 Baths ⋅ 2552532 MLS ⋅ ACTIVE Status
Welcome to 110 S Gold St, Centralia, WA— This well-maintained property features thoughtful updates completed by the current owners, including improvements to the plumbing, electrical systems, kitchen, bathrooms, and various fixtures throughout the home. These enhancements provide a solid foundation while preserving the character of the property. Inside, you'll find a functional floor plan with comfortable living spaces, an inviting atmosphere, and flexibility to accommodate a variety of lifestyles. The updated kitchen and bathrooms contribute to the home's move-in-ready appeal. Natural light fills the living areas, creating a bright and welcoming environment. Conveniently located near downtown Centralia, shopping, dining, parks, schools, and major commuting routes, this property offers easy access to everyday amenities while maintaining a residential setting.

110 S Gold Street, Centralia

Listing courtesy of eXp Realty.

$299,000
2 Beds ⋅ 1 Baths ⋅ 2550223 MLS ⋅ ACTIVE Status
Welcome to this charming, move-in ready home in the heart of Centralia! This well maintained 2 bedroom, 1 bath home features an open concept floor plan with an updated kitchen, stainless steel appliances, and a spacious living area that's perfect for everyday living and entertaining. A large utility room and storage space beneath the home offers plenty of room for seasonal items and outdoor gear. Outside, enjoy a low maintenance yard and relax on the back deck overlooking a meandering creek. Conveniently located near Centralia College, shopping, dining, parks, and local amenities.

509 Yew Street, Centralia

Listing courtesy of Premiere Property Group, LLC.

$369,900
3 Beds ⋅ 2 Baths ⋅ 2548245 MLS ⋅ ACTIVE Status
This home is spacious and versatile offering endless possibilities. Featuring 3 bedrooms, 2 bathrooms, including a flexible floor plan with the potential to convert the oversized upstairs into two bedrooms. You'll appreciate the abundance of custom built-ins that provide both character and practical storage throughout the home. Open living room and dining room area with insert and a/c unit keep this home cozy all year long. Spacious kitchen with gas cook stove and lots of counter space. Outside, enjoy a large, covered patio area, large, fenced back yard, perfect for entertaining, relaxing or letting your pet's play. Hobbyists and outdoor enthusiast will love the workshop, woodshed, extra covered parking and impressive 24 X 24 shop with a loft area. There is an additional room that was once a small apartment. Use your imagination and bring back its original charm or just use it for additional storage. Plenty of parking in the shop or the very large, covered driveway parking. With so much flexibility inside and out, this property is ready to adapt to your lifestyle.

1128 H Street, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

$590,000
3 Beds ⋅ 3 Baths ⋅ 2537278 MLS ⋅ ACTIVE Status
Country living but still close to the city! This home sits up high and has over 2400 sq. ft. with 3 bedrooms, two & a half bathrooms, large living area with projector. On the upper level of split home you will find a large kitchen with seating area, upper level also has a computer area, large dining room and hardwood floors. Walk outside the dining room to a large covered porch, perfect for your morning coffee to enjoy the scenery. Outside there are multiple outbuildings, with private room above the garage, barn with plenty of space for your animals, wood shed, and is very secluded. Two additional flex rooms for anything your heart desires

209 Blanchard Road, Centralia

Listing courtesy of Elite Properties.

$299,900
2 Beds ⋅ 1 Baths ⋅ 2534456 MLS ⋅ ACTIVE Status
Why rent when you can own? This adorable 2-bedroom, 3/4-bath home is the perfect opportunity for first-time buyers, downsizers, or investors alike! Conveniently located in town, this move-in-ready home has been freshly painted inside and out, offering a clean, updated feel from the moment you arrive. The open living and kitchen area creates a comfortable space for gathering, while the generously sized laundry room adds everyday convenience. Step outside to enjoy the large front yard and fenced garden area, perfect for growing your favorite flowers, vegetables, or simply enjoying the outdoors. An additional storage area provides plenty of room for tools, hobbies, or extra belongings and offers potential to be converted into a garage. Affordable, charming, and full of possibilities—this is the one you've been waiting for!

1308 W Main Street, Centralia

Listing courtesy of BHGRE - Northwest Home Team.

$380,000
3 Beds ⋅ 1 Baths ⋅ 2510476 MLS ⋅ ACTIVE Status
Beautiful new roof installed on 8/12/2026. Excellent location for this craftsman style 3 bd. 1 bath home. Close to I-5, Winco, and restaurants. New stainless steel appliances, beautiful fir floors in kitchen, new laminate floors in enclosed front porch and utility/ laundry area, new remote control ceiling fans in main level bedrooms, new light fixtures, new blinds, new carpet in living room and main level bedrooms, interior painted in 2025, exterior painted in 2022. Freezer in utility/ laundry area as well as refrigerator in garage are included appliances. Pride of ownership truly shows in this home.

821 Marsh Avenue, Centralia

Listing courtesy of Windermere Centralia.

$589,000
4 Beds ⋅ 3 Baths ⋅ 2505075 MLS ⋅ ACTIVE Status
Experience a fully reimagined home in the heart of Centralia. Rebuilt down to the studs in 2026, this 4BD/2.5BA property offers the feel of new construction with all-new systems, roof, siding, heating/cooling, and finishes. The open-concept layout includes a well-appointed kitchen with a center island and a dedicated dining area. High ceilings enhance the spacious living room, which opens to a private concrete patio—ideal for relaxing or entertaining. A standout feature is the thoughtfully designed “Left Wing” layout: the 4th bedroom functions well as a separate living space with its own patio access, a nearby full bath, and a dedicated laundry/mudroom—well-suited for extended living or guests. The primary suite includes a comfortable en-suite bath with a soaking tub and separate shower. Conveniently located near outlets, dining, and shopping, this home offers a flexible layout and quality updates throughout. A move-in-ready home designed for modern living.

703 M Street, Centralia

Listing courtesy of eXp Realty.

$375,000
4 Beds ⋅ 2 Baths ⋅ 2498991 MLS ⋅ ACTIVE Status
Discover incredible potential at 1406 Harrison Ave in the heart of Centralia. Boasting a generous 0.62-acre lot with highly desirable Commercial C-1 zoning, this property presents a rare and versatile investment opportunity. The primary value lies in the expansive land and its exceptional development prospects—perfect for a new commercial enterprise or utilizing the space for an ADU. While the land holds tremendous value, the existing 4-bedroom, 1.75-bathroom home offers a solid foundation for the right visionary. Sold strictly AS-IS, the residence features excellent "good bones" and is a prime candidate for a complete rehabilitation. The traditional layout includes two bedrooms on the main floor and two upstairs. Original hardwood floors, a gas heating system, washer/dryer hookups, and a kitchen with ample cabinetry provide a great starting point for a thoughtful renovation. A detached garage also offers convenient storage or workshop space. Bring your imagination and your contractor to unlock the full potential of this central property!

1406 Harrison Avenue, Centralia

Listing courtesy of Oasis Properties.

$418,814
3 Beds ⋅ 2 Baths ⋅ 2475892 MLS ⋅ ACTIVE Status
Drive up on the paved driveway to park inside your own garage. Enter through the laundry/mud room into this bright and welcoming 3-bedroom, 1.75-bath home, built in 2007 and thoughtfully maintained. Sunlight pours through the home, creating a warm and cheerful feel throughout. A flexible dining space offers room to gather, entertain, or create an additional living area. The spacious primary suite provides a peaceful retreat with its own private bathroom. Enjoy the ease of a laundry/mudroom with built-in storage and direct garage access. Outside, relax on the covered front porch or host get-togethers on the back Trex deck. With off-street parking, included appliances, and a convenient location near shopping, medical services, and I-5, this home is ready to welcome you.

2533 Kristine Court, Centralia

Listing courtesy of Olympic Sotheby's Int'l Realty.

$409,000
3 Beds ⋅ 3 Baths ⋅ 2477458 MLS ⋅ ACTIVE Status
Welcome to this delightful 3-bedroom, 2.25-bath home nestled in the heart of Centralia! Step inside to find a spacious, living and dining area. Stylish kitchen with beautiful quartz countertops, a charming farm sink, and a convenient eating bar. The primary bedroom offers a peaceful retreat with its own full bathroom. Upstairs, you'll find 2 bedrooms with barn doors and a versatile bonus room, providing extra space for work, hobbies, or guests. This home is currently operated as a successful VRBO and stays busy, offering excellent short-term rental potential. Outside, enjoy RV parking and a low-maintenance yard. Located just minutes from local restaurants, shopping, and easy access to I-5. Don’t miss your chance to own this wonderful home with built-in income potential—schedule your showing today!

201 Tilley Avenue, Centralia

Listing courtesy of eXp Realty.

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