Elma Homes with USDA Loan Terms

Elma Homes with USDA Loan Terms

Elma, located in Grays Harbor County, Washington, is a charming city that offers a peaceful and family-friendly atmosphere. Situated in the heart of the United States, Elma is known for its beautiful landscapes, friendly community, and affordable housing options.

One of the highlights of Elma is its homes with USDA loan terms. The USDA loan program is designed to help low to moderate-income families purchase homes in rural areas. Elma qualifies as a rural area, making it an ideal location for those looking to take advantage of this program.

With USDA loan terms, homebuyers can enjoy several benefits. These include low-interest rates, no down payment requirement, and flexible credit guidelines. This makes homeownership more accessible and affordable for many individuals and families in Elma.

In addition to the attractive loan terms, Elma offers a variety of housing options to suit different preferences and budgets. From cozy single-family homes to spacious ranch-style properties, there is something for everyone in this neighborhood.

Living in Elma also means enjoying a close-knit community and a range of amenities. The city boasts excellent schools, parks, and recreational facilities, making it an ideal place for families. Additionally, Elma's proximity to outdoor attractions like the Olympic National Forest and the Pacific Ocean provides residents with ample opportunities for outdoor activities and exploration.

If you're looking for an affordable and welcoming community with attractive loan terms, Elma should be high on your list. With its picturesque surroundings and friendly atmosphere, it offers a wonderful place to call home.

Newest Elma Homes with USDA Loan Terms

$444,950
3 Beds ⋅ 2 Baths ⋅ 2564942 MLS ⋅ ACTIVE Status
High quality new construction Rambler! Yard will be hydroseeded prior to closing. Home offers a 3 bed 2 bath one-story layout that can suit many different needs. Exterior siding & trim are hardie board products that carry a 30 year warranty. Interior finishes include white shaker cabinets, quartz countertops, lifeproof vinyl plank flooring, stainless steel appliances and much more! Examples of finishes can be given upon request. High efficiency heat pump means no more hot days or chilly nights inside your new home. Welcome home! **Home is currently under construction** Estimated completion date of October 23, 2026. Garage will be a 2-car garage.

6 Hobble Creek Street, Elma

Listing courtesy of eXp Realty.

$365,000
3 Beds ⋅ 2 Baths ⋅ 2565293 MLS ⋅ ACTIVE Status
Move in ready comfort meets modern upgrades in beautiful Elma! Welcome home to 1710 W Young St, Elma WA! This well cared for 3 bedroom, 1.5 bath single story home offers 1,176 SQFT of comfortable living on a fully fenced .14 acre lot. Enjoy a BRAND NEW composition roof, fresh interior paint, new appliances & laminate flooring throughout. Stay comfortable year round w/ central A/C, heat pump & cozy new pellet stove. Entertain on the huge wrap around deck overlooking territorial views. Spacious attached 2 car garage + RV parking for boats, toys & extra vehicles. No HOA! Outbuildings for added storage. All appliances included washer, dryer, refrigerator, dishwasher, microwave & stove. High speed internet & cable ready. Eligible for FHA, VA, USDA & conventional financing. Minutes to downtown Elma shops, dining & freeway access. Elma School District. Low property taxes only $2,843/yr. Don't miss this affordable Grays Harbor gem!

1710 W Young Street, Elma

Listing courtesy of eXp Realty.

$339,900
3 Beds ⋅ 1 Baths ⋅ 2554445 MLS ⋅ ACTIVE Status
Nice single story stick built home for sale in the quiet town of Elma! 3 bedrooms. 1 full bathroom with a dual sink vanity. 1250 square feet. Roomy kitchen with pantry, stainless steel appliances and gas range. Spacious living room with gas log fireplace. Dining area with slider that opens to a side yard patio. Laminate floors. Light and bright with lots of windows and vaulted ceilings. White painted doors and millwork. Great condition. New paint inside and out. Vinyl windows, gas forced air heat and gas hot water heater. Newer electric panel. Nice large level lot (75x125) with alley access. Wonderful small community. Close to parks and schools. Short drive to Olympia and easy drive to ocean beaches.

1713 W Martin Street, Elma

Listing courtesy of Group 7 Inc., Real Estate Serv.

$549,000
3 Beds ⋅ 2 Baths ⋅ 2556671 MLS ⋅ ACTIVE Status
Meticulously maintained and move-in ready, this spacious 3-bedroom, 2-bath rambler offers tall ceilings, comfortable living spaces, and a freestanding propane fireplace. The kitchen features brand-new stainless steel appliances, while other recent updates include a brand-new roof and a beautifully remodeled bathroom. Situated on a desirable corner lot, the property offers abundant parking, an attached 484-square-foot garage, and an impressive 960-square-foot shop or additional garage. A large attic and yard-maintenance shed provide even more storage. Step outside to the beautifully cared-for yard and covered deck, where you can relax, entertain, and enjoy the view. This exceptional property offers the space, storage, and pride of ownership buyers are looking for, all just minutes from downtown Elma, schools, shopping, the hospital, and quick highway access. Olympia is approximately 30 minutes away. Come see how much this wonderful home has to offer!

101 S 16th Street, Elma

Listing courtesy of Better Properties Grays Harbor.

$825,000
3 Beds ⋅ 2 Baths ⋅ 2553411 MLS ⋅ ACTIVE Status
Welcome to your own private Northwest retreat on 24.4 acres of beautiful, usable bottom land. This exceptional property offers the perfect blend of modern updates and country living with fenced pastures, creek frontage, a water-supplied greenhouse, horse arena, 4-stall metal shop, garden space, abundant RV parking, and power and water to both the arena and RV area. The beautifully updated 3,000+ sq. ft. home features soaring 17-foot ceilings, 3 bedrooms, 1.75 baths, three fireplaces, a spacious kitchen with Sub-Zero refrigerator, double ovens, breakfast nook, wine storage, built-in intercom, Astro-Vac, and mud room. Extensive renovations have transformed the home, including a stunning remodeled primary suite and bathroom, fresh interior and exterior paint, new carpet throughout, and a spacious new deck perfect for entertaining or taking in the peaceful surroundings. Every improvement has been thoughtfully completed, making this property truly move-in ready. Whether you’re looking for an equestrian property, hobby farm, or private country escape, this one offers the lifestyle you’ve been dreaming of.

32 Thompson Lane, Elma

Listing courtesy of eXp Realty.

$574,500
3 Beds ⋅ 2 Baths ⋅ 2551281 MLS ⋅ ACTIVE Status
Discover this beautifully updated rambler, tucked in and surrounded by nature. This 3 bed, 1.75 bath home is nestled on 2 fenced acres, offering exceptional privacy and a peaceful setting. Inside, you'll appreciate the updates including new flooring, fresh interior paint, and a stunning primary bath that has been completely remodeled. The spacious primary suite also features a sliding glass door leading to a private trex deck, an ideal spot to enjoy the quiet surroundings. Out back you will find a generous concrete patio that creates the perfect outdoor entertaining space. The exterior was painted in 2024, new windows in 2024 and 2026, the black top driveway done in 2024, and the roof being new in 2022 adds even more value and peace of mind. Designed for both every day living and storage, the property includes a large 18'x36' RV cover, RV outlet/sewer drop, 2 dog kennels, a fenced dog run, a 2-car shop, and an additional 3 car shop with carport providing endless space for vehicles, hobbies, equipment, or recreational toys. Combining modern updates, incredible outbuildings, and the tranquility of country living, this move-in-ready property is a rare opportunity you won't want to miss.

160 Cloquallum Road, Elma

Listing courtesy of Better Properties Grays Harbor.

$459,950
3 Beds ⋅ 3 Baths ⋅ 2545850 MLS ⋅ ACTIVE Status
Welcome to this charming home just blocks from the heart of downtown Elma, offering the perfect blend of privacy, space, and opportunity. Nestled on a level, wooded lot, this property provides a peaceful setting while remaining close to local shops, restaurants, and everyday conveniences. Inside, you'll find soaring vaulted ceilings with exposed beams that create a warm, inviting atmosphere. The stunning fireplace, crafted from rock quarried in Eastern Washington, serves as a beautiful focal point in the living space. Oak cabinetry, a spacious walk-in pantry, and a functional layout provide an excellent foundation for everyday living. The home features 3++ bedrooms, including and a great room on the lower level, offering flexibility for guests, a home office, or multi-generational living. Outdoor living is equally impressive with a wraparound deck that's perfect for summer barbecues, entertaining friends, or relaxing while taking in beautiful sunset views. A carport, abundant storage, and a large shop offer endless possibilities for hobbyists, mechanics, artists, or additional workspace. With a newer roof, solid construction, and great bones throughout, this home is ready for your personal updates and finishing touches.

1299 Monte Elma Rd, Elma

Listing courtesy of John L. Scott, Inc..

$799,999
4 Beds ⋅ 3 Baths ⋅ 2532344 MLS ⋅ ACTIVE Status
Rare opportunity to own just shy of 20 acres in Elma featuring a beautifully renovated 4-bedroom farmhouse surrounded by open pasture, mature timber, and established fruit-bearing trees. Century-old blueberry bushes, a year-round creek, seasonal pond, apple and pear orchard, two shop areas, and an RV pad all contribute to the property's character. The farmhouse has been thoughtfully updated while preserving its original charm. Abundant natural light fills the home, complemented by a brand-new kitchen, new roof, updated foundation, renovated bathrooms, and a walkout basement that provides additional flexible living space. An older 3-bedroom, 1-bath single-wide, previously used as a rental, is situated on a separate meter and will remain with the property.Tucked away in a private setting, yet located approximately 35 minutes from Olympia, just minutes from downtown Elma, and within easy reach of Grays Harbor amenities, this property offers the best of both worlds. Enjoy country living without sacrificing convenience. All while taking advantage of the space, privacy, and versatility this unique property has to offer.

172 S Bank Road, Elma

Listing courtesy of HomeSmart Real Estate Assoc.

$550,000
4 Beds ⋅ 2 Baths ⋅ 2516041 MLS ⋅ ACTIVE Status
Don't miss this rare opportunity: a turnkey triplex now offered on approximately half an acre (buyer to verify). The house sits on one of the two original tax parcels (parcel#618063522006); the front half-acre vacant land parcel is being sold separately, (parcel #618063522007) or buy both for $650,000. Main house is 3,727sf (buyer to verify) offering four bedrooms, two baths, and two cozy fireplaces—perfect for multi-gen living or extra income. Step outside the living room and you’ll find a serene koi pond, right there for daily Zen. Plus, two charming mother-in-law suites. Two tenants have been steady for over two years, paying $2,100/month total. HIGHLY MOTIVATED SELLER!

310 W Pine Street, Elma

Listing courtesy of HomeSmart Real Estate Assoc.

$510,000
3 Beds ⋅ 2 Baths ⋅ 2503002 MLS ⋅ ACTIVE Status
ASK ABOUT BUYER CLOSING COST CREDIT! Enveloped within the trees where the roosters can crow, is this charming countryside home offering 4 bedrooms! Tastefully updated in 2018 to add some modern beauty to its traditional charm. This home offers split-level fun - main floor includes a full bath & utility space, two bedrooms, and a Primary ensuite w/ 3/4 shower-bathroom. The Kitchen is handsomely decorated with granite countertops and offers under-cabinet lighting and stainless appliances. As you wonder to the upper floor there is a gigantic finished room w/ a wood-burning fireplace (maybe a Rec Rm?). There is another Bedroom / flex space off the Lg Rec Rm. The upper floor has personal deck access that can lead down to the yard. Venture to the lower level for another open space to use for a large pantry, or as your choosing. A new metal roof installed in 2022! Place includes a 24x30' Shop, too! It is fully fenced, other than a random roaming chicken, it offers great privacy and security.

55 Meadowood Drive, Elma

Listing courtesy of Coastal Collective Real Estate.

$429,995
3 Beds ⋅ 2 Baths ⋅ 2492553 MLS ⋅ ACTIVE Status
Welcome to 7 Hobble Creek St in Hobble Creek Estates, Elma, WA 98541! Brand new move in ready craftsman 2026 single story home offering 3 bedrooms, 2 baths, 1232 SQFT, a bright, modern design for $429,995. Step inside to an open great room with luxury vinyl plank flooring, a sleek electric fireplace, and abundant natural light. The kitchen is built to impress with two tone shaker cabinets, quartz countertops, a spacious island, tile backsplash, pendant lighting, and stainless steel appliances. The primary suite features a bold accent wall, private bath, and dual sink vanity. Additional highlights include a high efficiency heat pump with A/C, attached 2 car garage, covered tonge and groove front porch, graveled additional parking, the yard is scheduled to be hydroseeded before closing. Located in the Elma School District with convenient access to US-12 and SR-8 for easy travel toward Olympia or the coast.

7 Hobble Creek Street, Elma

Listing courtesy of eXp Realty.

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