Montesano Homes with USDA Loan Terms

Montesano Homes with USDA Loan Terms

Montesano, located in Grays Harbor County, Washington, is a charming city with a lot to offer. Nestled in the heart of the state, Montesano is known for its picturesque landscapes, friendly community, and affordable housing options. If you're looking to settle down in a peaceful neighborhood, Montesano could be the perfect place for you.

One of the advantages of living in Montesano is the availability of homes with USDA loan terms. The USDA loan program is designed to help low to moderate-income families achieve their dream of homeownership. With favorable terms and low-interest rates, USDA loans make it easier for buyers to purchase a home in Montesano without breaking the bank.

Whether you're a first-time homebuyer or looking to upgrade to a larger property, Montesano offers a range of housing options to suit your needs. From cozy single-family homes to spacious ranch-style houses, there is something for everyone in this neighborhood. With the USDA loan program, you can take advantage of affordable financing options and become a homeowner in Montesano.

Aside from affordable housing, Montesano boasts a close-knit community and a range of amenities. From parks and recreational facilities to local shops and restaurants, everything you need is within reach. Plus, Montesano's convenient location allows for easy access to nearby cities like Olympia and Aberdeen, providing additional employment and entertainment opportunities.

If you're looking for a peaceful neighborhood with affordable housing options and the convenience of USDA loan terms, Montesano is worth considering. With its small-town charm and welcoming community, it's no wonder why many people choose to call Montesano home.

Newest Montesano Homes with USDA Loan Terms

$435,000
3 Beds ⋅ 2 Baths ⋅ 2567990 MLS ⋅ ACTIVE Status
Great Montesano location, functional layout, and big-ticket recent updates! This well-maintained home sits in a quiet, desirable neighborhood just minutes from downtown and within walking distance of both the PK-2 grade school and the 7-12 high school. The main level features an inviting kitchen with eating bar that opens to the dining and living areas, along with two bedrooms, a full bath, and a versatile bonus room with direct access to the garage—perfect for an office, den, or flex space. Upstairs is a private primary retreat with the entire level to itself, including a walk-in closet, 3/4 bath, and additional flex space currently used as a craft room. Outside, enjoy a fenced backyard with a wood deck, gazebo area, raised garden beds, and fire pit—great spaces for relaxing, gardening, and entertaining. Updates in 2025 include a new roof, exterior paint, and a double-oven range, and in 2026 a new heat pump and furnace. A comfortable, functional home in a convenient location with plenty of space to make it your own!

815 E Simpson Avenue, Montesano

Listing courtesy of Ryan Property LLC.

$765,000
2 Beds ⋅ 3 Baths ⋅ 2558677 MLS ⋅ ACTIVE Status
You won't find a higher quality build than this. A custom two-story masterpiece near the end of a quiet road, built with craftsmanship, quality, and intention; nothing here is builder-grade. Offering 2 bedrooms plus a main-level office and upstairs bonus room, 2.5 baths, and an open-concept layout. The vaulted great room centers on a stunning fireplace, framed by high ceilings, while the chef's kitchen is built to entertain with island seating and microwave, custom hood, high-end appliances, cabinet-front dishwasher, walk-in pantry, soft-close cabinetry, and a coffee bar with built-ins. The primary suite is a spa-like retreat with an oversized freestanding tub, walk-in shower, dual sinks, and a walk-in closet with built-ins. A car enthusiast's dream with 1,663 sq ft of garage and shop space: a 3-car attached garage PLUS an oversized detached shop with vaulted ceilings, 100-amp service, and tandem depth for up to 4 vehicles, pre-wired for a car lift and joined to the home by a covered breezeway. Outside you'll find a high-end covered PVC deck and patio, HardiePlank siding, landscaping, a large side yard with garden space, partial fencing, and concrete parking for boat, RV, and toys. Extras include a Bosch heat pump with central A/C, dual-zone controls, a hybrid water heater with instant hot water recirc, upstairs laundry with washer/dryer included, outdoor plugs, and a propane tank. Every finish was hand-selected and built to last for generations. Ask for the upgrade list!

46 Kayla Drive, Montesano

Listing courtesy of Spivey Realty Group, LLC.

$525,000
5 Beds ⋅ 2 Baths ⋅ 2548070 MLS ⋅ ACTIVE Status
A truly one-of-a-kind 1898 tri-level Victorian offering over 4,000 total sq. ft, complete with a rooftop deck, covered carport, back patio, and a fenced yard on 0.429 acre lot with territorial views in the heart of Montesano. With 2,868 sq. ft. of finished living space, this home can easily function as a duplex or multigenerational residence, featuring two separate living areas, two kitchens, and two bathrooms across multiple levels. Additional features include carpet and vinyl flooring with original softwood floors underneath, a ductless mini-split system, a gas furnace, a wired backup generator, and a convenient location near parks, schools, and other town amenities. The main living quarters showcase the home's original staircase leading to the upper level and include the primary bedroom, a secondary bedroom, a spacious living room w/ ductless heat pump and gas furnace, den/office w/ wood-burning fireplace, kitchen w/ dining area, and utility room w/ washer and dryer + interior access to the basement. The upper level offers three bedrooms, including a spacious primary bedroom with a walk-in closet, full bathroom, living room, and fully functional kitchen w/ newer stove, fridge and eating space. The 1,292 sq. ft. basement provides several unfinished rooms, including a former canning room, a dog kennel area, and one partially finished bedroom + a living room and great room with paneled walls, baseboard heat, light fixtures, and concrete floors throughout.

500 N 1st Street, Montesano

Listing courtesy of Spivey Realty Group, LLC.

$1,450,000
4 Beds ⋅ 3 Baths ⋅ 2533847 MLS ⋅ ACTIVE Status
Situated on 72+ scenic acres with over 600 feet of private river frontage, this exceptional horse ranch offers the perfect blend of luxury living, agricultural functionality, and outdoor recreation. The 3,100 sq. ft. home features 4 bedrooms, 3 bathrooms, vaulted ceilings, abundant natural light, a spacious kitchen with walk-in pantry, extensive storage, pellet stove, heat pump, and tankless hot water. The oversized primary suite includes a massive bedroom and walk-in closet. Designed for equestrian and ranch living, the property includes horse stalls with tack room for five horses, grazeable pasture, hayfields, cropland, pig facilities, hay barns, equipment storage, commercial greenhouses, and a 25x60 five-bay shop. Fertile ground supports a variety of crops including hay, corn, potatoes, peas, and grains. Enjoy outstanding fishing and recreation with private river access and a secluded campground overlooking the water — perfect for entertaining, guests, or peaceful evenings outdoors. A rare opportunity to own a fully functional ranch property with beauty, privacy, and endless potential.

1381 Wynooche Valley Road, Montesano

Listing courtesy of Premier Real Estate Partners.

$439,900
3 Beds ⋅ 3 Baths ⋅ 2531119 MLS ⋅ CONTINGENT Status
Welcome to this beautifully maintained 3 bed, 2.5 bath home tucked away on a quiet dead end road. Inside you'll find a warm and inviting layout featuring a cozy living room with a wood stove and beautiful brick mantle, and an additional family room offering extra space to relax or entertain. This home has seen numerous valuable updates over the years including new exterior stain, a 50-year roof installed in 2008, all new windows and heat pump in 2019, a new water heater in 2022, along with updated insulation and ductwork for improved comfort and efficiency. Also featuring an incredible backyard oasis designed for year-round enjoyment, with beautiful landscaping all re-vamped in 2019 and on. Step outside to the covered back patio complete with roll down shades, creating the perfect outdoor retreat. The fully fenced private yard showcases picturesque landscaping and offers both comfort and tranquility in a peaceful setting, sometimes hearing the sounds of the nearby football games making it feel like home! This property combines privacy, functionality, and pride of ownership all in one package... so come and make it your own!

705 N Glenn Street, Montesano

Listing courtesy of Better Properties Grays Harbor.

$1,450,000
4 Beds ⋅ 3 Baths ⋅ 2530763 MLS ⋅ ACTIVE Status
Situated on 72+ scenic acres with over 600 feet of private river frontage, this exceptional horse ranch offers the perfect blend of luxury living, agricultural functionality, and outdoor recreation. The 3,100 sq. ft. home features 4 bedrooms, 3 bathrooms, vaulted ceilings, abundant natural light, a spacious kitchen with walk-in pantry, extensive storage, pellet stove, heat pump, and tankless hot water. The oversized primary suite includes a massive bedroom and walk-in closet. Designed for equestrian and ranch living, the property includes horse stalls with tack room for five horses, grazeable pasture, hayfields, cropland, pig facilities, hay barns, equipment storage, commercial greenhouses, and a 25x60 five-bay shop. Fertile ground supports a variety of crops including hay, corn, potatoes, peas, and grains. Enjoy outstanding fishing and recreation with private river access and a secluded campground overlooking the water — perfect for entertaining, guests, or peaceful evenings outdoors. A rare opportunity to own a fully functional ranch property with beauty, privacy, and endless potential.

1381 Wynooche Valley Road, Montesano

Listing courtesy of Premier Real Estate Partners.

$879,900
4 Beds ⋅ 4 Baths ⋅ 2513192 MLS ⋅ ACTIVE Status
Unique opportunity in Swiss Meadows! Multi-generational, dual-living home with space, views, and flexibility! This ~4,550 sq ft home offers 5+ bed, 3.75 baths with an additional large bonus room upstairs. Open floor plan with hardwood floors through the kitchen and living area. Elegant kitchen and baths feature granite countertops, and the great room opens to a balcony—perfect for relaxing or dining while taking in the valley views. A spacious two-car garage includes an enclosed storage room for added functionality. The ~1,925 sq ft finished walk-out basement/ADU with separate entrance adds incredible versatility with its own kitchen, bedroom, bonus room living/dining and direct access to the backyard. Outside, you'll find ample driveway parking, fenced yard, large back deck perfect for entertaining. Hot tub, fire pit, playground, garden and fruit trees, shed all included! RV parking and attached 2-car garage! Really a turn-key, one of a kind home ready for its new owner!

230 Swiss Avenue, Montesano

Listing courtesy of Spivey Realty Group, LLC.

Start Your Search
Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
IDX information is provided exclusively for consumers’ personal noncommercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.