Yelm Homes with USDA Loan Terms

Yelm Homes with USDA Loan Terms

Yelm, Washington, located in Thurston County, is a charming city that offers a unique blend of small-town charm and modern amenities. Nestled in the picturesque Pacific Northwest, Yelm is known for its beautiful natural surroundings, friendly community, and convenient access to major cities like Olympia and Tacoma.

One of the key advantages of living in Yelm is the availability of homes with USDA loan terms. The USDA loan program provides affordable financing options for eligible homebuyers in rural areas, and Yelm qualifies as one of these areas. This means that prospective homeowners in Yelm can take advantage of the benefits offered by the USDA loan program, such as low-interest rates, no down payment requirements, and flexible credit guidelines.

With USDA loan terms, residents of Yelm have the opportunity to achieve their dream of homeownership without the burden of a large down payment or high-interest rates. This makes Yelm an attractive option for first-time homebuyers or those looking to move to a more affordable area.

In addition to the benefits of the USDA loan program, Yelm offers a variety of amenities and recreational opportunities. Residents can enjoy the city's parks, hiking trails, and proximity to Mount Rainier National Park. The downtown area is home to local shops, restaurants, and community events that foster a strong sense of community.

If you're looking for a welcoming community with affordable homeownership options, Yelm may be the perfect place for you. With its USDA loan terms and idyllic surroundings, Yelm offers a quality of life that is hard to beat.

Newest Yelm Homes with USDA Loan Terms

$779,950
3 Beds ⋅ 3 Baths ⋅ 2575753 MLS ⋅ ACTIVE Status
Big spaces, big possibilities & over 7 acres to make them yours! This beautifully updated 3-bed, 3.25-bath rambler offers 2,030 sq ft of comfortable living paired with an incredible NEW 48x48 metal shop. Approx. 20' tall shop features a 17' RV-height door, 10' garage door, 2 man doors, loft & sunset-view deck. The expanded white crushed granite driveway offers abundant space for RVs, trailers, equipment & guests. Expansive concrete patio & deck of the home, huge backyard with new grass, fenced front yard with electric gate system & fruit trees. Don't miss the garden, she shed and trails that could be used for ATV/Dirt Bikes and more. Inside, extensive 2026 updates include a remodeled kitchen with new cabinetry & countertops, updated baths/vanities, new flooring & trim throughout and fresh interior paint. Two wood-burning fireplaces add warmth & character, and several flex space rooms that could be used for guests, an office, storage, work out room and more. Newer heat pump, roof & under-home insulation too! A separate finished detached structure with electrical, insulation, windows, lighting & private entry creates flexible bonus, office or hobby space, with potential for future ADU or MIL use (Buyer to verify). 2nd kitchen makes this home so versatile! Bring your ATV's, love for the outdoors and be prepared to settle into your forever home on this quiet street with amazing neighbors. Where else can you find a home with so many updates that still has room for a value add?

11123 SE Shaw Road, Yelm

Listing courtesy of PNW Realty.

$2,250,000
3 Beds ⋅ 2 Baths ⋅ 2572547 MLS ⋅ ACTIVE Status
If you're looking for a farming lifestyle then this is the place for you. This 3 Bdr. 1.5 bath, 1,628 Sq. ft. home with a 6,000 sq. ft. hay barn, that has feeding & storage capabilities, sits on 228.88 acres +-. The orchard has plum, pear & apple trees, some over 100 years old. If you like gardening there is plenty of room for a garden. There are many views of Mount Rainier from different locations on the property. In the winter there is duck & goose hunting from the spring fed pond. In the summer it produces hay & pasture for the cattle. There are several herds of elk that spend some time on the ranch which provides the opportunity for hunting. Approximately 54 acres are in hay production, & with fertilizer may produce a 100 ton, (+ or -) of hay. The ranch is made up of four separate parcels, with two entrances off Bald Hill Road. The drainage ditch on the eastern side was dug in 1857. Close to town, but in the country. Buyers must provide verifiable evidence of funds or a bank approval letter prior to confirmation of a property showing appointment. Seller is a licensed real estate broker in the state of Washington.

12649 Bald Hill Road SE, Yelm

Listing courtesy of Yelm Windermere.

$440,000
4 Beds ⋅ 3 Baths ⋅ 2569618 MLS ⋅ ACTIVE Status
Refined comfort meets everyday functionality in this beautifully updated split-level home in Autumn Hill. Designed with both style and versatility in mind, the light-filled upper level offers an inviting living space anchored by a gas fireplace and seamless flow into the dining area and kitchen ideal for elevated entertaining or relaxed evenings at home. The lower level offers a spacious secondary living area, an additional bedroom, and walk-out patio access perfect for pets or entertaining guests. A separate bonus room provides flexibility for a home office, gaming lounge, or private studio. Brand-new LVP flooring and plush carpet throughout enhance the home’s modern aesthetic and move-in-ready appeal. Ideally situated near parks, schools, and everyday conveniences, this residence delivers a polished lifestyle within a well-established community.

16189 Birkland Street SE, Yelm

Listing courtesy of Rain Town Realty + JPAR.

$549,990
4 Beds ⋅ 3 Baths ⋅ 2567091 MLS ⋅ ACTIVE Status
The Christy plan at Willow Glenn boasts a smartly designed layout with plenty of flexible living and entertaining space. Main-floor highlights include an open-concept layout with a spacious great room, a dining area, and a large kitchen with a walk-in pantry and center island. Completing the main floor, you'll find a study with double doors off the foyer and a 1/2 bath. Heading upstairs, a versatile bonus room provides even more gathering space. Plus, you'll enjoy two secondary bedrooms and an expansive primary suite with a spa-like bath and roomy walk-in closet. Upgraded Items include, Covered Patio, Electric Fireplace and interior package. USDA approved property. Buyer's Broker must accompany &/or register Buyer at 1st visit.

9855 Ferns Loop SE, Yelm

Listing courtesy of BMC Realty Advisors Inc.

$499,900
3 Beds ⋅ 3 Baths ⋅ 2566156 MLS ⋅ ACTIVE Status
Discover the Beech, a beautifully designed 2-story home that combines modern style with everyday functionality. The covered front porch sets a welcoming tone, while the open-concept layout inside offers the ideal space for entertaining and daily living. The chef-ready kitchen comes complete with quartz countertops, 42” white upper wood cabinetry, a full suite of stainless-steel appliances, and a spacious island. LGI Homes also offers: builder-paid closing costs, $0 down options, interest rate buydowns, and MORE! If you are working with a licensed broker, please complete the Prospect Registration Agreement (*Site Registration Policy #4898) & submit prior to your first visit to the Shelm Meadows Information Center.

9723 Brown Street SE, Yelm

Listing courtesy of LGI Realty.

$2,250,000
3 Beds ⋅ 2 Baths ⋅ 2565661 MLS ⋅ ACTIVE Status
If you're looking for a farming lifestyle then this is the place for you. This 3 Bdr. 1.5 bath, 1,628 Sq. ft. home with a 6,000 sq. ft. hay barn, that has feeding & storage capabilities, sits on 228.88 acres +-. The orchard has plum, pear & apple trees, some over 100 years old. If you like gardening there is plenty of room for a garden. There are many views of Mount Rainier from different locations on the property. In the winter there is duck & goose hunting from the spring fed pond. In the summer it produces hay & pasture for the cattle. There are several herds of elk that spend some time on the ranch which provides the opportunity for hunting. Approximately 54 acres are in hay production, & with fertilizer may produce a 100 ton, (+ or -) of hay. The ranch is made up of four separate parcels, with two entrances off Bald Hill Road. The drainage ditch on the eastern side was dug in 1857. Close to town, but in the country. Buyers must provide verifiable evidence of funds or a bank approval letter prior to confirmation of a property showing appointment. Seller is a licensed real estate broker in the state of Washington.

12649 Bald Hill Road SE, Yelm

Listing courtesy of Yelm Windermere.

$399,000
3 Beds ⋅ 2 Baths ⋅ 2559110 MLS ⋅ ACTIVE Status
Welcome home to this beautifully updated 3-bedroom, 1.5-bath Gem in the heart of Yelm. The remodeled kitchen features Newer white cabinets, stunning granite countertops, gray subway tile backsplash and stylish stainless-steel appliances, creating a warm and modern space to gather. Thoughtful updates can be found throughout the home, adding character and comfort at every turn. The primary bedroom offers a walk-in closet and its own private half bath with tile backsplash and updated fixtures. You’ll also appreciate the inviting laundry area with a cozy barnwood accent wall. The spacious garage provides endless flexibility—perfect for a home gym, office, or recreation space. Additional highlights include wiring for a backup generator and a large, private deck just off the kitchen—ideal for summer BBQs and outdoor entertaining. The fully fenced yard adds both privacy and functionality. Conveniently located near schools, shopping, parks, bike trails, and restaurants, this home truly has it all.

412 McKenzie Avenue SW, Yelm

Listing courtesy of Coldwell Banker Danforth.

$515,000
5 Beds ⋅ 3 Baths ⋅ 2561576 MLS ⋅ ACTIVE Status
POSSIBLE VA LOAN ASSUMPTION WITH THE POTENTIAL OF A $2300/MONTH PAYMENT. Welcome home to this spacious 5-bedroom, 3-bathroom home in the desirable Mountain Shadow community! Situated on a large corner lot, this move-in ready property offers an open-concept floor plan that's perfect for everyday living and entertaining. The inviting living room features soaring vaulted ceilings and abundant natural light. The refreshed kitchen includes brand-new quartz countertops, newer stainless steel appliances, and plenty of workspace for cooking and gathering. Durable vinyl plank flooring throughout create a clean and modern feel. Outside, enjoy fresh exterior paint on the trim and decking, plus a newly fully fenced backyard complete with a firepit, garden space, deck, and patio—ideal for relaxing, entertaining, or enjoying the outdoors. A spacious 2-car garage provides ample parking and storage. Conveniently located near schools, shopping, dining, and JBLM, this home offers the perfect combination of space, comfort, and convenience. Don't miss the opportunity to own this exceptional home in a prime location!

9229 Carys Street SE, Yelm

Listing courtesy of John L. Scott, Inc.

$975,000
4 Beds ⋅ 4 Baths ⋅ 2561121 MLS ⋅ ACTIVE Status
Experience the best of Pacific Northwest living on this exceptional 9.5 acre gated estate just minutes from town and 15–20 minutes to JBLM. Fully fenced and cross-fenced, this versatile property is ideal for equestrian use, hobby farming, multigenerational living, or simply enjoying the privacy and freedom of country life. The beautifully updated 3,064 SF residence offers 4 bedrooms, 4 baths, two luxurious primary suites, spacious living areas, a den/flex room, pantry, and laundry room. Significant recent improvements include a new heat pump and furnace, 5 bedroom septic system, well pump and water line, fresh interior paint, updated flooring, vanities, doors, trim, and more. A separate 2 bedroom, 2 bath home presents exceptional potential for guests, rental income, or extended living. Outside, enjoy a powered four-bay shop with loft, greenhouse, chicken coop, orchard with mature fruit trees, berries, garden space, firepit, RV and boat parking, concrete walkways, and a circular drive. Bordering the Centralia Canal and surrounded by peaceful countryside, this one-of-a-kind property offers the rare combination of modern updates, exceptional infrastructure, and timeless Northwest beauty; all with no HOA

9434 Bridge Road SE, Yelm

Listing courtesy of eXp Realty.

$360,000
2 Beds ⋅ 1 Baths ⋅ 2559886 MLS ⋅ ACTIVE Status
Cute as can be and built to last! Darling floorplan with 2 bedrooms/1 bath AND spacious detached garage/shop on fully fenced lot! Beautiful wood floors! Combination of brick home + Double pane windows + Newer mini split provides cool summers & warm winters! Newer gas water heater! All appliances stay! Low maintenance yard with garden space! RV parking. This home is within walking distance to splash pad, movie theater, delicious restaurants, coffee shops, farmers market, grocery stores and many parks! Close to Yelm/Tenino bike trail which is a paved bike/hiking trail that spans over 20 miles through magnificent forests and lush meadows to the Puget Sound!! Easy commute to JBLM! Come visit this lovely home today! You will be SO happy you did!! Home is located in Yelm business district!! Sold as is

303 3rd Street NE, Yelm

Listing courtesy of Better Properties Real Estate.

$599,950
3 Beds ⋅ 3 Baths ⋅ 2559550 MLS ⋅ CONTINGENT Status
Beautifully updated 3-bedroom home with a permitted addition on nearly 5 private acres! This move-in ready property offers approximately 2,000 sq ft, 3 full bathrooms, two bonus rooms, and an additional sitting area, providing flexible space for a home office, guests, hobbies, or multi-purpose living. Recent updates include new LVP flooring, fresh interior and exterior paint, remodeled bathrooms, mini-splits, and a beautifully finished addition. Outside, enjoy a full-service RV hookup with water and power, a detached garage with a climate-controlled office, fenced garden space, and trails throughout the property. Whether you're looking for room to spread out, work from home, or enjoy country living with modern updates, this property is one you won't want to miss!

18421 149th Lane SE, Yelm

Listing courtesy of Premier Real Estate Partners.

$477,000
3 Beds ⋅ 3 Baths ⋅ 2560037 MLS ⋅ ACTIVE Status
Great use of space in this 1848 sq ft, 3-bedroom, 2.5 bath home with large bonus room approximately 20x12. Living room has gas fireplace for ambiance and heat. Kitchen is loaded with cabinets and counter space for storage and food prep. Pantry is off kitchen for more storage! Upstairs you will find the bonus room, large primary suite with private bath and walk in closet, main bathroom, and 2 additional bedrooms. Back yard is fully fenced. Yard includes garden space, a fire pit, and a large storage shed for all your lawn care needs, plus! Do you have an RV or a boat to park? Large side gate opens up for parking your toys. Home is located on the outskirts of town, not far from the by-pass for easy commutes to Olympia and I-5. Minutes from downtown Yelm for shopping, schools and entertainment. Not far from your door, on an evening stroll of the neighborhood, take in a glorious view of Mt. Rainier. Oh! Brand-new roof this year!

15814 90th Avenue SE, Yelm

Listing courtesy of John L. Scott/Yelm.

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