Chillicothe Homes with Conventional Financing

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

$325,000
3 Beds ⋅ 1 Baths
Country living just minutes from Chillicothe! Situated on approximately 5± acres, this 3-bedroom, 1-bath home offers an open floor plan with an additional finished space upstairs that could serve as a potential 4th bedroom, home office, or bonus room. The kitchen features plenty of cabinet space, and the open layout gives the main living area a spacious feel. Outside, you’ll find a 45’ x 60’ metal pole barn with sliding doors, along with a 2½-car Morton Building garage with a concrete floor, offering plenty of space for vehicles, equipment, storage, hobbies, or a workshop. Enjoy the privacy and space of country living while still being conveniently located near Chillicothe. With acreage, versatile outbuildings, and plenty of possibilities, this property has a lot to offer. Schedule your showing today!

13962 LIV 424 Road, Chillicothe

Listing courtesy of Madalyn Howe of Rorebeck Realty.
$80,000
3 Beds ⋅ 1.5 Baths
Ready for your touch! This 3 bedroom, 1½ bath home offers comfortable living with a 1 car attached garage and a nice backyard perfect for relaxing. With solid bones and plenty of potential, this property is waiting for your updates and creativity to make it shine. Whether you’re a first-time buyer or looking for an investment opportunity, this home is full of promise!

86 11th Street, Chillicothe

Listing courtesy of Kristy Lauhoff of Century 21 Farm and Home.
$129,900
2 Beds ⋅ 1.5 Baths
Step inside this charming 2-bedroom home and you’ll immediately feel right at home! Offering 1,363 finished square feet, this home is full of warmth, character, and a cozy, welcoming feel throughout. Both bedrooms are generously sized, and the full bathroom has been beautifully remodeled for a fresh, updated touch. The home’s adorable Americana-inspired décor complements its classic character and gives every room an inviting, homey feel. Outside, enjoy a partially fenced backyard and a nice back patio—perfect for relaxing, grilling, or spending time with family and friends. A detached 2-car garage provides plenty of room for vehicles, storage, or workspace. If you’ve been looking for an older home with character, comfortable living space, and that hard-to-find cozy feeling, this one is definitely worth a look!

915 Woodward Street, Chillicothe

Listing courtesy of Brooklyn Anderson of RE/MAX Heritage.
$139,000
3 Beds ⋅ 1 Baths
Looking for a home that’s already been renovated but still gives you room to make it your own? This 3-bedroom, 1-bath home offers a great blend of comfort, updates, and opportunity to build equity. Inside, you’ll find a renovated interior with a fresh, updated feel, making it easy to move right in and enjoy. With three bedrooms, there’s plenty of flexibility for a growing household, home office, guest space, or whatever fits your needs. Outside, the fenced-in backyard provides a great space for kids, pets, entertaining, or simply enjoying some privacy. The **carport area** offers convenient off-street covered parking and additional functionality. The best part? The major work has already been started, while there’s still room to add your own touches and increase the value over time. Whether you’re looking for a first home, an investment property, or a home with future potential, this one is worth a look! **Updated ?? 3 Bedrooms ?? 1 Bathroom ?? Fenced Backyard ?? Carport ?? Room to Build Equity ??** Come take a look and see the potential for yourself!

202 Clay Street, Chillicothe

Listing courtesy of Chelsea Boyd of 1st Class Real Estate KC.
$279,900
3 Beds ⋅ 2 Baths
BRAND NEW CONSTRUCTION – BUILT IN 2026! This beautiful Craftsman-style home offers modern finishes, a functional open floor plan, and the ease of low-maintenance new construction. Situated on a desirable corner lot, this home features a single-car attached garage and luxury vinyl plank flooring throughout. The bright, open living area flows seamlessly into the kitchen, featuring quartz countertops, stainless steel appliances, soft-close cabinetry, and a convenient walk-in pantry. A separate laundry room adds even more functionality. The spacious primary suite features elegant tray ceilings, a private bath with double vanity, and a walk-in closet. Two additional bedrooms provide plenty of space for family, guests, or a home office. Outside, enjoy a fenced backyard ready for pets, play, or entertaining. The front yard features fresh new sod, while the backyard has been newly seeded and is ready to grow into your own private outdoor retreat. With stylish finishes, thoughtful design, and everything brand new in 2026, this Craftsman home is truly move-in ready. Be the first to call it home!

237 Cowgill Street, Chillicothe

Listing courtesy of Lindy Lile of GASLIGHT REAL ESTATE.
$155,000
4 Beds ⋅ 2 Baths
Welcome to this charming 1900-built home, offering a great blend of historic character and modern updates. With 1,536 square feet of finished living space, this home features 4 bedrooms and 2 bathrooms, including 2 bedrooms on the main level and 2 additional bedrooms upstairs. Original hardwood floors throughout add warmth and character, while the kitchen has been updated in recent years for a more modern feel. The main-level bathroom features convenient his-and-her sinks. The partial unfinished basement provides laundry space and additional storage potential. Outside, enjoy the covered front porch and back deck overlooking the spacious privacy-fenced backyard. A concrete pad provides additional space for entertaining, recreation, or outdoor projects. The detached 1-car garage and large backyard shed offer plenty of room for parking, storage, tools, and hobbies. With its combination of historic charm, updated kitchen, flexible 4-bedroom layout, original hardwood floors, and generous outdoor space, this home offers plenty of possibilities for its next owner. Schedule your showing today!

1138 Elm Street, Chillicothe

Listing courtesy of Brooklyn Anderson of RE/MAX Heritage.
$129,900
3 Beds ⋅ 2 Baths
This 3 bedroom, 2 bath ranch home is nestled in a quiet neighborhood and offers comfortable, convenient one-level living. Step outside to a spacious backyard with plenty of room for kids, pets, entertaining, or simply relaxing and enjoying the outdoors. With its peaceful setting and great outdoor space, this home is ready for its next owner!

1703 Rosewood Lane, Chillicothe

Listing courtesy of Kristy Lauhoff of Century 21 Farm and Home.
$279,900
3 Beds ⋅ 2 Baths
Be the first to call this beautiful newly built 3-bedroom, 2-bath home your own! Offering 1,240 square feet of thoughtfully designed living space, this home features an open-concept layout that's perfect for everyday living and entertaining. You'll love the spacious primary suite with a private en suite bath. Large walk-in closet in the primary bedroom. Bright, open kitchen with modern cabinetry and finishes. Luxury vinyl plank flooring in the main living areas and cozy carpeted bedrooms, 2-car attached garage, covered front porch—perfect for relaxing with your morning coffee, situated on a 90' x 100' corner lot. This home offers the perfect blend of modern style, low-maintenance living, and quality craftsmanship. Whether you're a first-time homebuyer, looking to downsize, or simply wanting the peace of mind that comes with new construction, this one checks all the boxes! Schedule your private showing today before it's gone!

1826 Clay Street, Chillicothe

Listing courtesy of Lindy Lile of GASLIGHT REAL ESTATE.
$189,900
VERSATILE COMMERCIAL PROPERTY WITH OFFICE & STORAGE SPACE Take advantage of this versatile commercial property located at 28 Third Street in Chillicothe, Missouri. Offering a functional combination of office and storage space, this property provides flexibility for a variety of business uses. The building features three separate office spaces along with two half bathrooms, providing a practical setup for daily business operations. In addition, there are three separate storage areas, each with an exterior entrance, making it easy to access equipment, inventory, supplies, or materials without disrupting the main office areas. The entire property is completely fenced, adding security and making the site especially appealing for businesses needing protected outdoor space, equipment storage, service vehicles, or additional work areas. Whether you're looking for space for a contractor, service business, property management company, maintenance operation, small distribution business, office headquarters, or investment property, this commercial building offers plenty of possibilities.

26 Third Street, Chillicothe

Listing courtesy of Lindy Lile of GASLIGHT REAL ESTATE.
$134,900
3 Beds ⋅ 1 Baths
Welcome home to this quaint 3 bedroom, 1 bath ranch tucked away at the end of a peaceful dead-end street just minutes from the middle school. Inside you'll find hardwood floors flowing through the main living spaces, creating warmth and character the moment you walk in. The layout offers comfortable living with an added bonus, a versatile flex room that includes the laundry area and can easily serve as a home office, playroom, hobby space, or extra storage. Step outside to relax on the covered back porch, perfect for morning coffee or winding down in the evenings. Quiet location, practical layout, and move-in ready appeal, this one checks the boxes for first-time buyers, downsizers, or investors alike. Schedule your showing today!

1428 Cooper Street, Chillicothe

Listing courtesy of Tatum Harp of RE/MAX Heritage.
$225,000
This exceptional 68+/- acre WRP property offers outstanding deer, turkey, and waterfowl hunting just 3.5 miles west of Chillicothe, MO. Conveniently located approximately 1 hour & 20 minutes northeast of Kansas City, the farm combines excellent access, proven wildlife habitat, and turnkey hunting improvements. The property features blacktop frontage along Highway 190 on the north and Old Highway 190 on the south, along with more than two miles of maintained trails that provide easy access throughout the farm. Multiple engineered/designed wetland pools with stop-log water control structures create exceptional habitat for migrating waterfowl and support an abundance of deer and other wildlife. Numerous deer were observed while touring the property, and a Sportsmen's Condo elevated deer blind is already in place. The southeast corner of the farm lies just 680 feet from the Thompson River, with the Grand River only four miles to the south. Surrounded by numerous WRP properties and river bottom row crop fields, the farm benefits from thousands of acres of neighboring wildlife habitat, making it a truly exceptional recreational property. A small area in the northeast corner along the highway is not enrolled in WRP, providing an excellent campsite location with electricity available at the road. To top it off, the nearly 5,800-acre Poosey Conservation Area is just eight miles northwest, offering even more hunting, fishing, and outdoor recreation opportunities. With tremendous access, outstanding habitat, established hunting improvements, and an excellent location, this is a rare opportunity to own a premier recreational farm in north Missouri.

TBD Highway 190 N/A, Chillicothe

Listing courtesy of Derek Payne of Midwest Land Group.
$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.
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