98576 Homes with FHA Terms

Welcome to the charming community of Rainier, Washington, nestled in the picturesque Thurston County. The zip code 98576 encompasses a serene blend of natural beauty and small-town charm, making it an ideal place for families, retirees, and everyone in between. Surrounded by lush forests and stunning mountain views, Rainier offers a peaceful retreat while still being conveniently located near the bustling city of Olympia.

Residents of 98576 enjoy a variety of outdoor activities, from hiking and biking in nearby parks to fishing and kayaking in the tranquil waters of the Nisqually River. The community is known for its friendly atmosphere, where neighbors become friends and local events bring everyone together. With a strong sense of community spirit, Rainier hosts seasonal festivals and farmers' markets that celebrate the region's rich culture and agricultural heritage.

For those looking to make Rainier their home, the housing market here is diverse, with options that cater to various budgets and lifestyles. Many homes are available with FHA financing terms, making it easier for first-time buyers and those looking to invest in their dream home. FHA loans provide a fantastic opportunity to secure a property with lower down payment requirements, allowing you to step into homeownership in this idyllic setting.

Whether you’re drawn to the natural beauty, the tight-knit community, or the affordable housing options, Rainier, WA, zip code 98576, is a hidden gem waiting to be discovered. Come explore the possibilities and find your perfect home in this enchanting corner of the Pacific Northwest!

Newest 98576 Homes with FHA Terms

$839,000

4 Beds ⋅ 2 Baths ⋅ 2600785 MLS ⋅ ACTIVE Status

Just under 15 private acres in Rainier, this single-level home is paired with a functional equestrian setup that includes a barn with 6 fully operational stables and attached horse runs, along with pasture and fully fenced grounds with gated entry. The home offers 4 bedrooms, 1 full bath, and 1 three-quarter bath in a practical layout that includes a living room, bonus room, dining room, kitchen with eating space, primary bedroom, and utility room. Vinyl plank flooring, double-pane/storm windows, ceiling fans, and a ductless mini-split system contribute to everyday comfort. The acreage expands the possibilities with wooded areas, fruit trees, garden space, a greenhouse, shop, and multiple outbuildings. (Almost 4000 sq ft of storage/Barn space) RV parking, generous driveway parking, and both attached and detached garage spaces, 6 stall barn, easily can accommodate vehicles, trailers, and equipment. A dog run, patio, outdoor fireplace, sprinkler system, open space, and territorial views complete the grounds. Served by a private well, septic system, and PSE power, the property offers a private, versatile setting designed around the land and its existing improvements.

12510 Rainier Acres Road SE, Rainier

Listing Broker: Terrafin; Jacob A Ray; 253-389-2497; jacob@terhuneray.com

$420,000

3 Beds ⋅ 2 Baths ⋅ 2599209 MLS ⋅ FIRST LOOK Status

Situated on approximately 1.05 acres in Rainier, this refreshed 1,536 sq ft, single-level manufactured home features 3 bedrooms, 2 full bathrooms, new flooring, fresh interior and exterior paint, a newer roof, and a new septic system. All appliances included, kitchen appliances are new. The functional floor plan includes a spacious living room, separate dining area, kitchen with eating space, and a primary bedroom with private bathroom. A standout feature is the oversized 1,152 sq ft detached garage/shop, offering substantial space for vehicles, storage, hobbies, and projects. The fully fenced property features a gated entry, room for RV parking, a deck, garden space, fruit trees, and a combination of level, open, and wooded areas. See virtual tour for current condition exterior. Additional features include public water, electric forced-air heating, ductless mini-split cooling, and no HOA. Located near the Yelm-Rainier-Tenino Trail and State Route 507, with access to downtown Rainier, Yelm, and Tenino. An opportunity to own an updated home on over an acre with extensive garage and workshop space. ***Some pictures virtually edited to display finished product****Construction/landscaping complete ETA 11/13

826 Tipsoo Loop S, Rainier

Listing Broker: Inspire Realty; Ashton Karp; 425-224-0756; ashtonkarpre@outlook.com

$1,050,000

3 Beds ⋅ 3 Baths ⋅ 2593676 MLS ⋅ ACTIVE Status

A rare opportunity to own an extraordinary Pacific Northwest retreat! Set on nearly 20 acres in this peaceful yet convenient Rainier-area setting, this custom-built home combines quality craftsmanship, thoughtful design, and a ready-to-go equestrian setup. Soaring vaulted ceilings anchor the inviting great room, while the chef's kitchen, luxurious primary bath, and dedicated home office reflect the attention to detail throughout. Split floor plan, with no detail left out. Wood-clad ceilings on the covered front and back porches add warmth and character, creating inviting spaces to enjoy the surrounding landscape year-round. Watch elk and deer wander past your living room, or saddle up and ride right at home with an outdoor arena, established fencing, trail system throughout the property, and plenty of room to roam. The exceptional value extends beyond the home itself: a separate 7-acre parcel, already addressed with a preliminary site plan filed with the county, offers exciting potential for a second homesite or the opportunity to sell the additional acreage. Enjoy the freedom, privacy, and possibilities of a truly special property, with room for your horses, hobbies, and future plans.

12944 Koeppen Road SE, Rainier

Listing Broker: Coldwell Banker Evergreen; Julie Cooke; 360-878-7545; HomesInThePNW@gmail.com

$700,000

3 Beds ⋅ 2 Baths ⋅ 2597723 MLS ⋅ ACTIVE Status

Set on 5 private acres, this 3-bed, 2-bath property blends unique architecture with park-like grounds. A large shop and a barn, both featuring new metal siding and roofs, offer room for equipment, animals, or your next project. Vaulted ceilings and a loft family room and office off the primary suite give the home a distinctive, open feel. The remodeled kitchen opens to a formal dining room addition, fully permitted in 2024. A cozy wood-burning stove in the living room warms the home on chilly fall and winter nights. The exterior has been freshly repainted. A new electrical panel and 80-gallon water heater were recently added, as well as mini-splits for year-round, efficient heating and cooling comfort. Outside, rockery and mature landscaping border a large, level lawn, covered patio, and fire pits. Open pasture, quiet woods, a fenced garden with fruit trees, and a garden shed complete the setting. Close to Lacey, Olympia, and JBLM. Thoughtfully updated and beautifully kept, this is a must-see property.

13524 Land Lane SE, Rainier

Listing Broker: Skyline Properties, Inc.; Aaron Wright; 253-370-5992; aaron@skylineproperties.com

$360,000

2 Beds ⋅ 1 Baths ⋅ 2581834 MLS ⋅ ACTIVE Status

Spread out and enjoy small-town charm in this turnkey-ready, refreshed 2-bedroom, 1-bath rambler in the heart of Rainier! Situated on over a quarter-acre lot, this inviting home has been freshly painted inside and out and features a charming kitchen with tasteful butcher block countertops. Move in and enjoy, with room to make the property your own! The standout feature is the enormous detached shop, complete with a brand-new 25-year architectural roof. Whether you need space for an RV, vehicles, recreational toys, a workshop, or hobbies you want to enjoy out of the rain, this versatile space offers plenty of possibilities. Enjoy the convenience of walking to Rainier schools, local restaurants, and the post office, with a Thurston County trail just steps away for walking, biking, and getting outdoors. Commuters will appreciate the convenient access to Lacey, Olympia, and JBLM. Whether you’re purchasing your first home, looking to downsize, or searching for a property with extra room for projects, storage, and hobbies, this Rainier rambler offers a wonderful combination of comfort, convenience, and workspace. Come see the possibilities!

203 Centre Street N, Rainier

Listing Broker: RE/MAX Country; Adam Schmier; 360-259-7189; adamfromremax@gmail.com

$635,000

4 Beds ⋅ 3 Baths ⋅ 2593859 MLS ⋅ ACTIVE Status

Welcome home to this fully accessible rambler with a finished daylight basement in Rainier’s peaceful Trotter Downs neighborhood! Situated on a private 0.29-acre lot backing to woods, this 4-bed, 3-bath, 2,380 sq ft home offers versatile living space on both levels.The open main level features a chef's kitchen with beautiful cabinetry, solid surfaces, a walk-in pantry, new appliances, and instant hot water. Enjoy main-floor living with walk-in showers and a slider leading to a generous balcony deck overlooking the trees.Designed for complete convenience and accessibility, the home features two installed chair lifts—one from the 2-car garage into the main floor, and another connecting to the lower level. The fully finished daylight basement offers a full second living area that walks out to a patio and private hot tub.Outside, enjoy a paved driveway, manicured lawn with curbed edges, sprinkler system, and custom exterior/laser lighting. Prime location just 5 min to Yelm, 15 min to Lacey/Olympia, and close to JBLM!

905 Cody Street SE, Rainier

Listing Broker: Fathom Realty WA LLC; Jesse Kellems; 360-280-4398; jessekellems@prairierealestateco.com

$625,000

4 Beds ⋅ 3 Baths ⋅ 2590184 MLS ⋅ ACTIVE Status

Welcome home to over 1.5 acres to call your own, not too far from town on a quiet street near Rainier. Beloved by its owner for decades with many well-crafted touches, this home has had the updates you'll love - newer roofing/skylights and HVAC (yes, there is AC!) & electrical panel too! The home lives so well, with a space for everything. Enter into a a living room, cozy fireplace awaits your fall gatherings! Towards the back of the house, the room where life gets lived - family room with dining space melds naturally with the kitchen as well as flowing out to the patio. Timeless kitchen remodel features matching appliances including an induction stove. Three bedrooms and a full bath fill out the main floor plus a bonus rec room! All the fun here - wet bar and flow to the patio makes for even more entertainment space. Upstairs? Private primary suite with large en suite bathroom including a soaker tub you'll relax into after a long day. Sun room adjoins the primary and is filled with light - great workout, studio or craft room! The outbuildings do not disappoint. A host of handy storage sheds and a chicken coop is crowned by a four-bay garage and shop! Kept cozy with a pellet stove of its own, it's got the electrical and compressor lines needed to jump right into projects, plus amazing and well lit storage (possible living space?) up top!

11125 Charm Road SE, Rainier

Listing Broker: Windermere Real Estate Olympia; Tonya M. Hennen; 360-943-7839; tonya@cohorealty.com

$535,000

3 Beds ⋅ 2 Baths ⋅ 2586672 MLS ⋅ ACTIVE Status

3 bedrooms, 2 bathrooms, plus an office or studio-all within 1,540 sq. ft. on a spacious .287-acre lot. Move-in-ready rambler with an updated, light-filled open concept and vaulted ceiling. The spacious living room features a bay window with a cozy seating area. The renovated kitchen includes granite countertops, a large dining island, and all Samsung appliances-including a Family Hub refrigerator/smart screen. The floor plan includes a separate private room ideal for a home office or studio. The backyard, filled with fruit trees and flowering plants, offers a peaceful retreat. A medium-sized storage building provides space for tools or a small workshop, and the well-appointed chicken coop is ready to use. The back patio offers plenty of room for barbecuing or relaxing. Listed at

412 Volesky Drive SE, Rainier

Listing Broker: Networks Real Estate LLC; Margo Street; 360-561-0269; MargoStreet94@gmail.com

$410,000

3 Beds ⋅ 2 Baths ⋅ 2586526 MLS ⋅ ACTIVE Status

Now offered at $410,000, the sellers are ready for their next chapter and look forward to seeing someone new make this house their home. There's a lot to love about this Rainier home, especially the flexibility it offers! With 3 bedrooms PLUS 2 bonus rooms, there's space for whatever life looks like for you. Whether that's working from home, hosting guests, creating a hobby space, or finally having that dedicated workout room, the possibilities are yours to explore. And on those beautiful clear days, you'll catch peek-a-boo views of Mt. Rainier, adding a little Pacific Northwest magic to everyday life. Come take a look, wander through, and imagine the possibilities. You might just find it's exactly what you've been looking for.

205 Montana Street N, Rainier

Listing Broker: RE/MAX Northwest; Danielle Vocke; 360-526-1999; danielle@vockerealty.com

$494,770

4 Beds ⋅ 3 Baths ⋅ 2585599 MLS ⋅ ACTIVE Status

Don’t miss this inviting traditional two-story home offering 1,902 square feet of living space with 4 bedrooms, 2.5 bathrooms, and approximately 0.29 acres. A covered front porch adds classic curb appeal and offers a wonderful spot to take in views of Mt. Rainier, which can also be enjoyed through the windows of multiple rooms. Inside, the functional floor plan provides comfortable everyday living with flexible spaces to suit a variety of needs. Upstairs, a spacious loft offers even more versatility and can easily be used as a home office, second living room, playroom, hobby area, or additional gathering space. The fully fenced backyard provides plenty of room for outdoor living, gardening, recreation, pets, or entertaining. An attached garage adds everyday convenience and valuable storage. Tucked away on a quiet dead-end street, this home combines traditional charm, generous indoor and outdoor space, Mt. Rainier views, and a desirable Lacey location. Whether relaxing on the front porch, enjoying the private backyard, or making the flexible interior spaces your own, this home offers plenty of room to settle in and enjoy.

308 Middleton Court SE, Rainier

Listing Broker: Real Broker LLC; Ryan Garrison; 360-230-1616; ryan@garrisonre.com

$519,000

4 Beds ⋅ 3 Baths ⋅ 2584029 MLS ⋅ ACTIVE Status

Welcome to a home where space, comfort, and effortless living come together beautifully. This 4 bed, 2.5 bath Rainier residence offers 2,626 sq ft of thoughtfully designed living space, with generous proportions and a versatile floor plan made for both everyday living and entertaining. Step inside to inviting living and dining spaces that flow naturally into the heart of the home. Upstairs, the spacious primary suite offers a private retreat, while three additional bedrooms provide flexibility for guests, work, or hobbies. A bonus/loft area adds even more versatility—perfect for a home office, media lounge, playroom, or creative space. Then step outside and discover what truly sets this property apart: an expansive, fully fenced backyard with room to entertain, garden, play, or simply unwind. Positioned on a desirable 0.30acre corner lot, the outdoor space offers a sense of privacy and room to enjoy the lifestyle you've been looking for. Ideally situated in the welcoming Rainier community, with the local school just moments away, this home offers everyday convenience while maintaining the charm and relaxed pace of small-town living. Enjoy easy access to Olympia, JBLM, and the greater South Sound, with the natural beauty of the Pacific Northwest all around you. A beautiful opportunity to settle in, spread out, and make this home yours. The home has a new roof! Just about 1 years old!

301 Easy St SE, Rainier

Listing Broker: Jason Mitchell Real Estate WA; Dylan Ursua; 808-687-1187; dursua@jasonmitchellgroup.com

$649,900

3 Beds ⋅ 3 Baths ⋅ 2581732 MLS ⋅ ACTIVE Status

Welcome to the ultimate turn-key equestrian estate in Rainier! Set on 4.66 private, fully fenced and cross-fenced acres, this beautifully updated 1,784 sq ft home with 3 bedrooms and 2.5 bathrooms perfectly pairs high-end improvements with exceptional outbuildings. Horse enthusiasts will fall in love with the outdoor riding arena, 20x20 2-stall barn, and lush pasture framed by mature trees.Bring all your toys, gear, and vehicles! The property boasts a massive 36x48 shop equipped with a built-in bathroom and attached carport, a separate 24x36 detached garage, plus 2 full RV hookups for guests or equipment. Inside, enjoy bright, light-filled living spaces anchored by large front windows showcasing gorgeous, expansive territorial views. Major recent updates offer total peace of mind, including a newer roof, fresh paint, modern flooring, updated kitchen counters, a heat pump, a cozy propane fireplace, and 2 custom walk-in showers.Outdoor entertaining is effortless here. Unwind on the spacious front and back decks with covered areas, host summer gatherings on the covered patio by the pool, or fire up the grill using the outdoor propane BBQ hookup—all surrounded by beautiful, pristine landscaping. Whether you are looking for a complete horse facility, incredible workshop space, or peaceful country living with modern comforts, this turnkey Rainier property is ready for you!

12424 Moes Road SE, Rainier

Listing Broker: Fathom Realty WA LLC; Jesse Kellems; 888-455-6040; jessekellems@prairierealestateco.com

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.

98576 Homes with FHA Terms

Newest 98576 Homes with FHA Terms

How much is your home worth?

How much is your home worth?