Chillicothe Homes with USDA Loan Financing

Chillicothe Homes with USDA Loan 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 delightful blend of small-town charm and modern conveniences. With its picturesque parks, friendly neighborhoods, and a variety of local shops and eateries, this city is a wonderful place to call home.

Chillicothe is often celebrated for its strong sense of community and a welcoming atmosphere that makes newcomers feel right at home. The city boasts a range of recreational activities, including the beautiful Chillicothe City Park, where families can enjoy picnics, walking trails, and playgrounds. Additionally, the annual festivals and events, such as the famous Chillicothe Rodeo, showcase the city’s rich cultural heritage and bring residents together in celebration.

For those considering a move to Chillicothe, the availability of homes with USDA loan financing is an exciting opportunity. This financing option is designed to promote homeownership in rural and suburban areas, making it an ideal choice for first-time buyers and families looking to settle down in a friendly community. USDA loans offer competitive interest rates and low down payment options, making it easier than ever to find your dream home in this picturesque city.

Whether you’re drawn to the scenic landscapes, the tight-knit community, or the affordability of housing options, Chillicothe, MO, has something for everyone. Explore the charm of this hidden gem and discover why so many are proud to call it home!

Newest Chillicothe Homes with USDA Loan Financing

15120 Liv 240 N/A, Chillicothe
$325,000
4 Beds ⋅ 2.5 Baths
Set on 4.3 acres, this rare acreage property features a spacious ranch home with 1,170+ sq ft on the main level, including 3 bedrooms and 2 bathrooms. The finished basement adds valuable living space with a family room, laundry, bedroom, and bathroom. Outside, the property shines with a 27’ x 48’ shed, offering endless possibilities for equipment, workshop space, or recreational storage. A great opportunity for anyone seeking land, functionality, and comfortable living.

15120 Liv 240 N/A, Chillicothe

Listing courtesy of Kristy Lauhoff of Century 21 Farm and Home.
1205 Sunset Street, Chillicothe
$230,000
3 Beds ⋅ 2 Baths
Enjoy a little slice of privacy right in the heart of town! This charming ranch-style home offers 3 bedrooms, 2 bathrooms, and BRAND-NEW windows throughout! Situated on nearly half an acre, this property provides plenty of space to relax, entertain, and enjoy the outdoors. The full unfinished basement offers endless possibilities for additional living space, storage, or making it your own! With a great location, spacious lot, and so much potential, this is one you won’t want to miss! Call today to schedule your private showing!

1205 Sunset Street, Chillicothe

Listing courtesy of Kristy Lauhoff of Century 21 Farm and Home.
1800 Country Club Drive, Chillicothe
$340,000
4 Beds ⋅ 3 Baths
Location, Lifestyle & Space — Welcome to 1800 Country Club Drive! What if the iconic Simpson Park could be your front yard? Step across the street to Chilli Bay Water Park, or enjoy a round of golf with the closest course just a solid 7-iron-shot away! Pickleball courts, sand volleyball, playgrounds, Simpson Ballfield, and more are all nearby, offering recreation and fun right outside the front door. Freshly updated with approximately 2,600 sq ft of living space, this inviting home features 4 bedrooms, 3 full bathrooms, and plenty of room to spread out. Whether you're looking for your next chapter, entertaining guests, working from home, or simply seeking extra space, this home offers flexibility and comfort. The approximately three-quarter-finished basement adds versatility with a second living or flex room featuring a wood-burning fireplace—perfect for cozy evenings, movie nights, or game days. You'll also find a cocktail area, fourth bedroom, third full bathroom, and ample storage. The unfinished portion offers laundry hookups and additional utility space. Enjoy outdoor living on the newly updated backyard deck and patio, ideal for summer barbecues, outdoor dining, or relaxing evenings. A built-in two-car garage adds convenience and storage while an additional storage shed provides convenient space for lawn tools, sports equipment, and more. With fresh updates, spacious living areas, a flexible floor plan, and an exceptional location surrounded by parks and recreation, 1800 Country Club Drive offers more than a home—it offers a lifestyle! If you're looking for room to grow, space to entertain, and recreation just a bit away, this home is a must-see!

1800 Country Club Drive, Chillicothe

Listing courtesy of Jonathan Minerick of homecoin.com.
1132 Cooper Street, Chillicothe
$169,900
3 Beds ⋅ 1 Baths
Just in time for the holidays!! Step inside this beautifully remodeled 3-bedroom, 1-bath home where modern updates meet comfort and convenience! Nearly every inch of this home has been refreshed, offering the peace of mind that comes with extensive improvements inside and out. The stunning new kitchen is sure to impress, featuring gorgeous quartz countertops, new cabinetry, and stainless steel appliances. Fresh paint and new flooring throughout create a bright, welcoming atmosphere. The updates don't stop at the cosmetics! This home boasts a new roof, new windows, gutters, soffits, A/C system, electrical wiring, and plumbing, along with new garage flooring and a newly completed driveway. Enjoy outdoor living on the new back deck overlooking the fenced backyard, perfect for pets, play, or entertaining. New front entry steps add to the home's refreshed curb appeal. A full unfinished basement provides plenty of storage space and possibilities for future use. Nestled in a quiet neighborhood, this home offers the perfect combination of modern updates, functionality, and charm. All the hard work has been done — just move in, unpack, and enjoy! Schedule your private showing today!

1132 Cooper Street, Chillicothe

Listing courtesy of Lindy Lile of GASLIGHT REAL ESTATE.
1301 Walnut Street, Chillicothe
$169,900
3 Beds ⋅ 2 Baths
Welcome to 1301 Walnut Street! This 3-bedroom, 2-bath home offers a functional layout with finished living space on both levels. The main level features 2 bedrooms, a full bathroom, a nice-sized living room, and an eat-in kitchen. Downstairs, you’ll find the 3rd bedroom, a second full bathroom, laundry area, and an additional living space that could be used as a family room, game room, or hangout area. The home also includes a 1-car attached garage and a large front yard with plenty of room to enjoy. Conveniently located near grocery store, Simpson Park, and other Chillicothe amenities, this home offers comfortable living in a great location.

1301 Walnut Street, Chillicothe

Listing courtesy of Brooklyn Anderson of RE/MAX Heritage.
1905 Webster Street, Chillicothe
$298,000
3 Beds ⋅ 2 Baths
Welcome home! This inviting home offers 2,166 square feet of finished living space. The main floor features three bedrooms, one bathroom, convenient main-floor laundry, and a comfortable living area with a cozy fireplace. The kitchen boasts granite countertops, and fresh paint and new carpet throughout give the home a refreshed feel. The finished walkout basement features a spacious family room, a second fireplace, an additional bathroom, and a potential fourth bedroom—perfect for guests, a home office, or additional living space to fit your needs. Outside, enjoy the large backyard and concrete patio just off the kitchen, creating a great spot for outdoor dining. A two-car attached garage adds everyday convenience. Don't miss out on this inviting home!

1905 Webster Street, Chillicothe

Listing courtesy of Kristy Lauhoff of Century 21 Farm and Home.
1216 Alexander Street, Chillicothe
$169,900
3 Beds ⋅ 1.5 Baths
Welcome to this nicely updated 3-bedroom, 1.5-bath home located on a corner lot within the city limits of Chillicothe! This home offers a great combination of comfortable living space, recent updates, and convenient features. The main level includes three bedrooms, one full bathroom, a comfortable living area, and an updated kitchen featuring a new refrigerator, range, and vent hood. The home has also been refreshed with new flooring throughout, a new roof, and a freshly painted exterior. The bathroom has been remodeled, adding to the home's move-in-ready appeal. The basement provides additional space and includes the laundry area with washer and dryer, along with a convenient half bath. An attached one-car garage provides covered parking and additional storage. Outside, you'll find two new decks perfect for enjoying the outdoors, along with a fenced yard situated on a desirable corner lot. With numerous recent improvements already completed, this home offers an excellent opportunity for buyers looking for a well-maintained property with many of the major updates already taken care of.

1216 Alexander Street, Chillicothe

Listing courtesy of Sean Sensenich of United Country Graham Agency.
1701 Rosewood Lane, Chillicothe
$239,900
4 Beds ⋅ 1.5 Baths
Step inside and discover a home filled with space, character, and a warm country feel! This corner-lot property features 4 bedrooms on the main level plus 2 additional non-conforming bedrooms in the basement, offering plenty of room for everyone. The main level offers a full bathroom, while the basement includes a convenient half bath. Inside, you’ll love the warm, country-inspired feel created by the darker paint colors and beautiful burnt wood trim throughout. The living room features a wood-burning fireplace that has been recently used, creating the perfect cozy spot to gather. The kitchen appliances are included, making this home move-in ready. Outside, the brand-new 20x20 deck provides a massive space for entertaining, relaxing, or enjoying your morning coffee. The basement can be accessed from both inside and outside the home, and there is additional parking conveniently located underneath the deck. A one-car attached garage adds even more convenience. Located in a nice neighborhood on a corner lot and featuring a brand-new metal roof, this home has space, character, and plenty to offer. Don't let the exterior fool you—this home is much bigger inside than it looks! Come see all the space and charm for yourself before it’s gone!

1701 Rosewood Lane, Chillicothe

Listing courtesy of Brooklyn Anderson of RE/MAX Heritage.
237 Cowgill Street, Chillicothe
$264,900
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.
1138 Elm Street, Chillicothe
$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.
1826 Clay Street, Chillicothe
$264,900
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.
1820 Country Club Drive, Chillicothe
$299,900
3 Beds ⋅ 3 Baths

1820 Country Club Drive, Chillicothe

Listing courtesy of Lindy Lile of GASLIGHT REAL ESTATE.
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