Chillicothe Homes with Conventional Financing

Welcome to Chillicothe, Missouri, a charming city nestled in the heart of Livingston County. Known for its rich history and vibrant community spirit, Chillicothe offers a perfect blend of small-town charm and modern conveniences. As you stroll through the picturesque streets, you’ll discover a delightful array of local shops, restaurants, and parks, making it an ideal place for families and individuals alike.

Chillicothe is renowned for its warm, welcoming atmosphere and a strong sense of community. The city hosts various events throughout the year, from seasonal festivals to farmer's markets, ensuring there’s always something to enjoy. With its beautiful landscapes and outdoor recreational opportunities, including nearby lakes and trails, residents can easily embrace an active lifestyle.

When it comes to finding your dream home in Chillicothe, you’ll be pleased to know that many properties qualify for conventional financing. This means you can explore a wide range of housing options, from cozy single-family homes to spacious modern residences, all designed to meet the needs of today’s buyers. With competitive interest rates and flexible terms available, conventional financing can make your homeownership dreams a reality.

So whether you’re a first-time buyer or looking to settle into a community that feels like home, Chillicothe, MO, offers an inviting atmosphere and a variety of homes that cater to your lifestyle. Come discover the charm of Chillicothe—your new home awaits!

Newest Chillicothe Homes with Conventional Financing

$12,000

Looking for your next investment opportunity or the perfect place to build? This 82x108 residential lot offers incredible potential in Chillicothe, MO! Zoned R-3, the property may be suitable for a single-family home, duplex, or even a fourplex, subject to city approval and applicable development requirements. With the continued demand for housing in Chillicothe, this property presents an excellent opportunity for builders, developers, and investors looking to add much-needed housing to the community. The seller also owns another nearby R-3 zoned lot and is willing to sell both properties together as a package, offering even greater development and investment potential. Bring your vision and take advantage of this exciting opportunity!

903 Woodward Street, Chillicothe

Listing courtesy of Brooklyn Anderson of RE/MAX Heritage.

$169,900

3 Beds ⋅ 1 Baths

Completely renovated from top to bottom in 2026, this beautifully updated 3-bedroom, 1-bath home offers the perfect combination of modern finishes and worry-free living. Nearly every major component has been replaced, making this is a truly move-in ready property. The stunning new kitchen features stylish cabinetry, elegant quartz countertops, a farmhouse sink, and a fresh, contemporary design that's perfect for everyday living and entertaining. The home also boasts all new flooring, fresh paint throughout, updated light fixtures, and a completely remodeled bathroom with a new tub, tile flooring, and toilet. Exterior improvements are just as impressive, including a new roof, siding, gutters, front porch, sidewalk, garage door, and privacy fence, providing outstanding curb appeal and long-term value. If you've been searching for a home where all the hard work has already been done, this is it! Enjoy modern updates, low-maintenance living, and a fresh new look inside and out. Don't miss your opportunity to own this beautifully renovated home in Chillicothe!

1111 Bryan Street, Chillicothe

Listing courtesy of Lindy Lile of GASLIGHT REAL ESTATE.

$10,000

Opportunity awaits with this 42x140 residential lot in Chillicothe, MO, offering approximately 5,880 square feet of space ready for your next project! Zoned R-3, this property offers potential for a single-family home or duplex, subject to city requirements. With continued demand for housing in the area, this is an excellent opportunity for a builder, investor, or future homeowner looking to help meet Chillicothe's growing housing needs. As an added bonus, the seller also owns another R-3 zoned lot nearby and would consider selling both properties together as a package, creating an even greater investment opportunity. Bring your vision and take advantage of this opportunity to invest in Chillicothe's future!

409 Polk Street, Chillicothe

Listing courtesy of Brooklyn Anderson of RE/MAX Heritage.

$99,900

2 Beds ⋅ 1 Baths

Welcome to this charming 2-bedroom, 1-bath bungalow situated on a desirable corner lot! This well-maintained home offers a blend of character and thoughtful updates, making it move-in ready for its next owner. Inside, you'll find a remodeled bathroom complete with a full tub and butcher block countertops that add warmth and style to the kitchen. The stove, washer, and dryer all stay with the home, adding extra convenience. Major updates provide peace of mind, including a roof that's approximately 10 years old, a new sewer line from the home to the road, and a new 200-amp underground electrical service running from the home to the utility pole. Enjoy relaxing mornings on the inviting covered front porch or spend evenings entertaining on the back deck. The spacious backyard offers plenty of room for kids, pets, gardening, or outdoor gatherings. If you're looking for an affordable home with important updates already completed, this charming bungalow is one you won't want to miss!

441 Wilson Street, Chillicothe

Listing courtesy of Brooklyn Anderson of RE/MAX Heritage.

$63,000

4 Beds ⋅ 1.5 Baths

Step into the charm and character of this spacious 2-story home at 820 Vine Street! Built in 1883, this 4-bedroom, 1.5-bath home offers timeless architectural details paired with practical updates, making it an excellent opportunity for homeowners and investors alike. From the moment you arrive, you'll appreciate the inviting wrap-around porch, beautiful entry staircase, original wood floors, and elegant chandeliers that showcase the home's turn-of-the-century character. The main level features convenient laundry hookups, while the remodeled upstairs bathroom adds a modern touch. The home is equipped with central heat and air conditioning, is all-electric, features low-maintenance metal siding, and a detached garage. Whether you're looking for your next investment, a flip project, or a place to make your own, this property has plenty of potential. Recently rented for $850 per month, it has a proven rental history and would make a solid addition to an investment portfolio. With just a little TLC, this home could also be transformed into a beautiful family residence. Move in while you make updates and add your own personal style over time. Don't miss this opportunity to own a piece of history with endless possibilities!

820 Vine Street, Chillicothe

Listing courtesy of Megan Sensenich of United Country Graham Agency.

$269,900

3 Beds ⋅ 2.5 Baths

Don't miss your chance to own this impeccably maintained brick ranch offering nearly 2,400 square feet of finished living space. Situated on a beautifully landscaped corner lot, this well-designed home offers timeless curb appeal in an established neighborhood just minutes from shopping, schools, the hospital, and the YMCA. Step inside and discover a thoughtfully designed layout that makes everyday living both comfortable and functional. Beautiful ceramic tile flows throughout much of the main level, adding warmth, durability, and timeless style. The newly updated kitchen features newer appliances, abundant cabinetry, and a cozy eat-in dining area that's perfect for morning coffee or family meals. The living room is filled with natural light and offers a warm, welcoming atmosphere that instantly feels like home. The main level also includes three comfortable bedrooms, one and a half bathrooms, and an abundance of closet space and storage throughout, making it easy to stay organized. The fully finished basement provides exceptional additional living space with a large family and recreation room, a full bathroom, two non-conforming bedrooms, a dedicated office area, and an oversized utility room complete with laundry, abundant storage, and plumbing already in place for a kitchenette—offering endless possibilities for guests, multi-generational living, hobbies, or a home business. Outside, you'll find a large partially finished two-car garage along with a beautifully shaded, fenced backyard designed for both relaxation and entertaining. Enjoy evenings on the spacious deck featuring a covered gazebo over the grilling area, while the thoughtfully landscaped yard bursts with colorful flowers throughout the seasons, creating a peaceful outdoor retreat. Homes like this don't last long! With exceptional living space, quality updates, abundant storage, and a location that's hard to beat, this is one you won't want to miss. Schedule your private showing soon!

1424 Dowell Drive, Chillicothe

Listing courtesy of Cheri Hudson Landwehr of RE/MAX Central.

$120,000

3 Beds ⋅ 1 Baths

This low-maintenance 912-square-foot ranch featuring three bedrooms and one bathroom. Nestled on a highly desirable corner lot, this property combines cozy indoor comfort with exceptional outdoor potential. Step inside to find a functional, sunlit layout designed for easy living and efficient utilities. Walk out back to discover your private rear deck, ideal for morning coffee, weekend barbecues, and relaxing in the evenings. The crown jewel of this property is the expansive, oversized side yard—a gardener's dream canvas perfect for raising flower beds, cultivating a thriving vegetable patch, or creating your ultimate outdoor entertainment oasis.

315 Wilson Street, Chillicothe

Listing courtesy of Johnna Tuttle of RE/MAX Heritage.

$259,900

4 Beds ⋅ 3 Baths

Step into timeless charm with all the modern updates you've been looking for! This beautifully maintained 4-bedroom, 3-bathroom home, originally built in 1928, perfectly blends classic character with today's conveniences. Located just one block off main street in the heart of Chillicothe, you'll enjoy the charm of a historic neighborhood with easy access to shopping, dining, and downtown amenities. Inside, you'll find gorgeous wood floors, abundant natural light, and unique wooden window shutters/blinds that add warmth and character throughout the home. The updated kitchen features new appliances, making it move-in ready while preserving the home's original appeal. The main level offers two spacious bedrooms, a beautifully updated bathroom with a walk-in shower, a welcoming dining room, and comfortable living spaces. Upstairs, you'll find two additional bedrooms, large closets, a full bathroom complete with a classic clawfoot tub, and a versatile bonus room perfect for a home office, playroom, hobby space, or guest retreat. The fully finished basement provides even more living space with a large recreation room featuring a kitchenette, a full bathroom, a laundry room with a utility sink, and abundant storage—offering endless possibilities for entertaining, hobbies, or additional living space. Outside, relax on the covered front porch or enjoy evenings on the covered back patio. With tasteful exterior updates and countless modern improvements while preserving its original charm, this home truly offers the best of both worlds. If you've been searching for a home with historic character, modern updates, abundant space, and an unbeatable location, 911 Cherry Street is one you won't want to miss!

911 Cherry Street, Chillicothe

Listing courtesy of Megan Sensenich of United Country Graham Agency.

$299,000

5 Beds ⋅ 2.5 Baths

Welcome to this spacious 5-bedroom, 2.5 bath home in Chillicothe, offering plenty of room for everyone! With multiple living spaces and a functional layout, this home is perfect for growing families, entertaining guests, or simply enjoying extra space. Step outside to a large backyard with endless possibilities for outdoor activities, gardening, or relaxing. One of the standout features is the huge bonus entertaining area next to the garage—ideal for hosting family gatherings, game nights, celebrations, or creating the ultimate hobby space. If you've been looking for a home with room to spread out, both inside and out, this one is a must-see. Schedule your showing today and discover all the space this Chillicothe home has to offer!

1215 Clay Street, Chillicothe

Listing courtesy of Chelsea Boyd of 1st Class Real Estate KC.

$818,750

4 Beds ⋅ 2 Baths

Imagine if you could have the ideal home on acreage, what do envision that looks like? Would it be a modern open concept home? Would it include a nice outbuilding for storing your toys and tools to enjoy and maintain acreage? What about a pond? Does 40 acres sound like it would be ideal? All of these plus more are available with this beautiful homestead in Livingston County Missouri! Located about 10 minutes south of Chillicothe, just off of 65 highway, is this 40+/- acred homesite. The slab home has many features that are appealing to the modern way of living. The open concept and vaulted ceiling open above the living space creates a feeling of great size and vision. The open concept allows you to see all the rooms or access to those rooms from the great family room, with only a peninsula bar top separating the living room from the kitchen. A large fireplace on the end of the living room would be a great gathering place on the cool fall evenings to cold winter days to enjoy the warmth away from the weather. With a couple of bedrooms on the main floor and a couple upstairs, there are plenty of rooms for family or guests. Just off the house is an over sized garage that is connected to the home with an enclosed sunroom, providing a space to access the home without roughing the elements. A bonus room and small door provide a space for UTV or mower storage in the garage and a place to work on hobby projects. The shed provides over 3300 square feet of storage between the interior and lean to portion on the side of the shed, that can house all the tools and implements it takes to maintain the 40+ acres of the farm that consists of mostly grasses. Currently being baled for hay production but could easily be converted to a CRP program or even tillable acres. With a few draws running through and a portion of the perimeter being timbered, wildlife frequent the property.

15807 LIV 312 Road, Chillicothe

Listing courtesy of Jason Hilbrenner of Midwest Land Group.

$225,000

Unlock the potential of this highly visible commercial property! Situated on approximately 0.68 acres with outstanding frontage along Highway 65 and convenient access just off Highway 36, this location offers excellent exposure for your business and easy accessibility for customers and clients. The 1,344 sq. ft. brick main building features a flexible layout designed to accommodate a variety of professional or service-based businesses. Inside, you'll find four private offices, with three already equipped with sinks and built-in cabinetry, making them ideal for medical, dental, veterinary, wellness, grooming, or salon services. Additional main-level features include a welcoming reception area, half bath, and dedicated records/storage room. The full walk-out basement provides tremendous additional space for storage, equipment, inventory, workshop areas, treatment rooms, kennel space, laundry facilities, or future expansion. With two walk-out doors, a garage door, and existing plumbing in multiple areas, the lower level offers endless possibilities for customization to fit your business needs. Comfort is provided year-round with natural gas heat and central air conditioning. Outside, you'll appreciate the ample parking lot for employees and customers, along with a 53' x 21' pole barn that offers outstanding potential for additional storage, workshop space, inventory, or equipment. A covered carport area behind the building provides even more functional space. Whether you're envisioning a veterinary clinic, medical or dental office, chiropractic or physical therapy practice, counseling center, pet grooming or boarding facility, doggy daycare, beauty salon, daycare center, professional offices, or another growing business, this versatile property is ready for its next chapter. Properties with this level of visibility, flexibility, and location don't come along often. Bring your vision and make this exceptional commercial property your next business success!

1011 Washingston Street, Chillicothe

Listing courtesy of Megan Sensenich of United Country Graham Agency.

$459,000

4 Beds ⋅ 4.5 Baths

A one-of-a-kind property offering 5,138 square feet of living space designed for flexibility, comfort, and endless possibilities. With two distinct living areas seamlessly combined into one incredible home, this property is ideal for a large family, multi-generational living, daycare, or anyone looking for space to live, work, and entertain. The original home, built in 1957, offers timeless charm with a functional layout featuring a kitchen, laundry area, spacious living and dining room combination, a primary bedroom with a private half bath, an additional bedroom, and a full bathroom. A thoughtfully designed addition completed in 2000 expands the home with a stunning open-concept floor plan. The main level showcases a large family room with a cozy fireplace, spacious kitchen and gathering area, laundry room, pantry, and convenient half bath. Upstairs, you'll find an office with a generous closet, an impressive primary suite featuring a large walk-in closet, spa-inspired bathroom with a soaking tub, dual vanities, walk-in shower, and linen closet. The finished basement adds even more living space with a private bedroom featuring an ensuite bath and an additional family room, perfect for guests or extended family. One of the home's most unique features is the private courtyard, creating a peaceful outdoor retreat in the heart of the home. The property also includes a 2-car detached garage and sits on a desirable corner lot in one of the area's most sought-after neighborhoods. Located directly across from the golf course and just minutes from a water park, this home offers an unbeatable combination of space, flexibility, and location. The original home and newer addition can easily be separated, allowing for independent living spaces or income-producing opportunities. If you've been searching for a home that offers room to grow, entertain, or invest, this exceptional property is one you won't want to miss.

2216 Country Club Drive, Chillicothe

Listing courtesy of Lindy Lile of GASLIGHT REAL ESTATE.

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