Miami Homes with USDA Loan Financing

Welcome to Miami County, Kansas! Nestled in the heart of the Sunflower State, Miami County offers a perfect blend of small-town charm and modern amenities. With a rich history and vibrant community spirit, this county is a wonderful place to call home.

For those looking to purchase a home in Miami County, the option of USDA loan financing is available. This type of loan is backed by the United States Department of Agriculture and is designed to help make homeownership more affordable for those in rural and suburban areas. With competitive interest rates and low or no down payment requirements, USDA loans can be a great option for first-time homebuyers or those looking to move to Miami County.

Miami County boasts a diverse real estate market, with a range of properties to suit every taste and budget. From historic homes in quaint towns like Paola and Osawatomie to modern developments in Louisburg and Spring Hill, there is something for everyone in this beautiful county. Whether you're looking for a cozy bungalow, a spacious family home, or a sprawling ranch property, Miami County has it all.

So, if you're dreaming of owning a home in a picturesque setting with easy access to both urban conveniences and outdoor adventures, look no further than Miami County, Kansas. Let us help you find your perfect piece of the Sunflower State!

Newest Miami Homes with USDA Loan Financing

$799,000

3 Beds ⋅ 3 Baths

WOW don't miss this move-in ready five-acre Paola homestead! Beautifully custom-built just eight years ago, this fully fenced and gated property offers the rare opportunity to leave the hustle behind and embrace a lifestyle centered around space, freedom, and the simple pleasures of home. The three-bedroom, three-bath home includes an additional non-conforming fourth bedroom and an abundance of flexible living space. The attached garage has been transformed into a remarkable indoor-outdoor space, featuring an epoxy floor, glass garage door, and retractable screen door that allows you to open the space to the outdoors. A newly built oversized detached two-car garage provides exceptional additional space for vehicles, storage, or a workshop. Two finished outdoor sheds, both with electricity, offer even more possibilities as home offices, workout rooms, creative spaces, or additional living areas. Beyond the home, the property comes alive. Spend summer afternoons around the pool and gazebo, wander through the established fruit trees and berry bushes, collect fresh eggs from the chicken coop with its solar-powered automatic door, or simply enjoy the peace and privacy that five acres provides. The property is already home to three sheep, approximately 50 chickens, beehives, and barn cats, along with pear, peach, plum, cherry and apple trees and blackberry and raspberry bushes. Inside, warm and inviting spaces feature a cozy living room fireplace, updated flooring, an updated kitchen backsplash, and room to gather, unwind, and make memories. And what makes this property truly extraordinary? Almost everything can be included. The animals, beehives, and much of the homestead infrastructure can convey, allowing you to step into a lifestyle that has already been lovingly established. This isn’t simply a home on five acres. It’s a place to slow down, grow something of your own, gather with the people you love, and create the kind of life you’ve always imagined.

26030 Hospital Drive, Paola

Listing courtesy of Guide Group of Compass Realty Group.

$214,900

4 Beds ⋅ 2 Baths

Charming Craftsman-style home featuring 4 bedrooms, 2 full baths, and an oversized 2-car garage in a convenient location. Recent updates include brand-new exterior siding and gutters, a new roof, and a newer HVAC system. Enjoy comfortable, one-level living spaces and a versatile bonus room ideal for a home office, sunroom, playroom, or sitting area. The beautiful original woodwork and built-ins offer additional charm and uniqueness. The full unfinished basement offers abundant storage and future potential, with a sump pump installed and the west foundation wall professionally braced. Alley access provides convenient off-street parking and direct garage entry. Relax on the inviting front porch or side deck.

905 Main Street, Osawatomie

Listing courtesy of Sheila Shaw of KW Diamond Partners.

$169,000

2 Beds ⋅ 1 Baths

Extensively Remodeled in 2024 – Move-In Ready in Osawatomie! Welcome to 1116 4th St, a 2-bedroom, 1-bath, 1920s bungalow, that was given a complete remodel in 2024! Now blending original charm with major modern updates, all completed at once and ready for you to enjoy! The 2024 remodel for the interior included; new HVAC, plumbing, electrical, windows, drywall and paint throughout, plus new kitchen cabinets, stainless steel appliances, and a fully renovated bathroom with new tub/shower, vanity, and fixtures. Outside, the updates continued with a new roof, gutters, and paint, giving the home great curb appeal. Parking is a standout feature here: this property includes a carport plus a 2-car pass-through garage with both alley and front access, and equipped with electricity. Offering unique flexibility for all of your hobbyist visions! Set on a 6,600 sq ft lot, this 927 sq ft home offers a rare combination of nearly all major systems and finishes updated in the same year, offered at an accessible price point!

1116 4th Street, Osawatomie

Listing courtesy of Amber Brown of KW Diamond Partners.

$159,900

Build your dream home on this rare 3.17-acre corner lot in the Quail Creek neighborhood of Louisburg. This spacious site offers the perfect balance of peaceful country living and modern convenience, located just 15 minutes south of Overland Park. Served by the Louisburg School District, this opportunity gives you room to build, scenic views, and the privacy of estate living — all while staying close to shopping, dining, and city amenities. Don't miss your chance to build in one of Louisburg's premier luxury communities.

Lot 9 W 255th Street, Louisburg

Listing courtesy of Claudia Mercado of Keller Williams Realty Partners Inc..

$255,000

3 Beds ⋅ 2 Baths

This lovely home features three comfortable bedrooms and two full bathrooms, providing a functional and appealing living environment. The property offers a solid foundation for future enhancements, allowing new owners the freedom to personalize and upgrade to their exact specifications, ensuring it perfectly suits their lifestyle. Nestled in the heart of Paola, Kansas, this property at 407 W Peoria Street benefits from its prime location within Miami County. Residents enjoy the convenience of city living combined with the tranquility of a close-knit community, providing easy access to local amenities and the charm of small-town life.

407 W Peoria Street, Paola

Listing courtesy of Grace Mcadam of Signature Realty, LLC.

$417,990

4 Beds ⋅ 3 Baths

*NEW HOME WITH FINISHED BASEMENT in a NO HOA community!* Built by D.R. Horton Inc®, this stunning residence is our Harmony floorplan, which combines superior craftsmanship with the latest in-home design, creating a space that’s as functional as it is beautiful. This 4-bedroom, 3-bathroom, ranch-style home is situated in Spring Hill, KS. Comfortably nestled in the heart of our Maplewood Valley community. This beautiful home features a full, finished basement that includes a large recreation room, full bath and generous bedroom while still leaving plenty of unfinished space for storage. The heart of this home is undoubtedly the kitchen, featuring painted maple cabinets, beautiful white quartz countertops, and top-of-the-line Whirlpool® stainless steel appliances. Which will all be perfect for both everyday meals, as well as entertaining guests. The primary suite is a generous space, leading to our primary ensuite bathroom. All of which are designed to be your own personal sanctuary, with features like quartz-topped vanities, Moen® Chrome Faucets, and a walk-in shower, helping to create a serene retreat from the hustle and bustle of daily life. This home is also equipped with cutting-edge Smart Home technology. Control your environment effortlessly with a Honeywell® Pro Z-Wave® Thermostat, Amazon Echo, and a connected home panel, all designed to make your life easier and more comfortable. LED lighting throughout the home and energy-efficient windows ensure that this home is as practical as it is beautiful. From luxury vinyl flooring to a garage complete with 2 openers, every detail in this home has been thoughtfully considered. Don’t miss the opportunity to own this exceptional property in Maplewood Valley! ***Ask agent about special financing and closing cost incentives.***

21703 S Washington Street, Spring Hill

Listing courtesy of DRH Team of DRH Realty of Kansas City, LLC.

$465,990

4 Beds ⋅ 3 Baths

***FINISHED WALK OUT BASEMENT in a NO HOA community*** Built by D.R. Horton Inc®, this stunning residence is our Newcastle floorplan, which combines superior craftsmanship with the latest in-home design, creating a space that’s as functional as it is beautiful. This 4-bedroom, 3-bathroom, ranch-style home is situated in Spring Hill, KS. Comfortably nestled in the heart of our Maplewood Valley community. This beautiful home **features a full, finished walk out basement** that includes a large recreation room, full bath and generous bedroom while still leaving plenty of unfinished space for storage. The heart of this home is undoubtedly the kitchen, featuring painted maple cabinets, beautiful white quartz countertops, and top-of-the-line Whirlpool® stainless steel appliances. Which will all be perfect for both everyday meals, as well as entertaining guests. The primary suite is a generous space, leading to our primary ensuite bathroom. All of which are designed to be your own personal sanctuary, with features like quartz-topped vanities, Moen® Chrome Faucets, and a walk-in shower, helping to create a serene retreat from the hustle and bustle of daily life. This home is also equipped with cutting-edge Smart Home technology. Control your environment effortlessly with a Honeywell® Pro Z-Wave® Thermostat, Amazon Echo, and a connected home panel, all designed to make your life easier and more comfortable. LED lighting throughout the home and energy-efficient windows ensure that this home is as practical as it is beautiful. From luxury vinyl flooring to a garage complete with 2 openers, every detail in this home has been thoughtfully considered. Don’t miss the opportunity to own this exceptional property in Maplewood Valley! ***Ask agent about special financing and closing cost incentives.***

21051 W 217th Court, Spring Hill

Listing courtesy of DRH Team of DRH Realty of Kansas City, LLC.

$385,000

4 Beds ⋅ 3.5 Baths

Tucked away at the end of a quiet cul-de-sac, this turn-key, move-in ready home offers ultimate privacy, backing directly to a serene timber tree line. Inside, you’ll love the light-filled, open-concept floor plan featuring seamless single-level living and a bright, airy flow between the main living, dining, and kitchen areas. The primary suite is a private retreat boasting an extraordinarily large walk-in closet with abundant storage space. Downstairs, the finished walk-out lower level gets fantastic natural light from large daylight windows and leads directly outside to your private backyard. This lower level features ideal flex space—currently setup as a bedroom, it makes a perfect home office, secondary living room, or game room. Offering a flexible floor plan, low-maintenance living, and an unbeatable private lot, this gem delivers everything today's buyers are searching for!

1006 S 14th Street, Louisburg

Listing courtesy of Jessica Neighbors of Neighbors Real Estate LLC.

$750,000

S Roosevelt Street, Spring Hill

Listing courtesy of Rita Dickey of ReeceNichols - Overland Park.

$209,900

3 Beds ⋅ 2 Baths

Fully renovated house, down to the studs and floor joists! Almost everything NEW in this functionally updated 3 bed, 2 bath home, including new windows, roof, HVAC, flooring, kitchen cabinets, countertops, and SS appliances, all new bathrooms including primary bedroom en suite. Large living and dining area allows for flexible arrangement of furniture placement! Enclosed front and back porches. Detached garage gives options for where to place your shop! Fenced yard! Move right into this home - ready and available now!

209 Brown Avenue, Osawatomie

Listing courtesy of Joe Ientile of KW Diamond Partners.

$195,000

2 Beds ⋅ 2 Baths

Take a look at this charming, beautifully remodeled small-town home! Recent updates include a new roof, flooring, cabinetry, granite countertops, backsplash, and HVAC system. The home also features a spacious pantry, large utility room, and generously sized bedrooms. With so many updates already completed, this move-in-ready home is a must-see!

726 Pacific Avenue, Osawatomie

Listing courtesy of Crystal Metcalfe of United Real Estate Kansas City.

$389,990

4 Beds ⋅ 3 Baths

**NEW HOME WITH FINISHED BASEMENT in a NO HOA community! $10K YOUR WAY to use toward closing costs, an interest rate buy-down, or a personalized move-in package!!** Built by D.R. Horton Inc®, this stunning residence is our Aldridge floorplan, which combines superior craftsmanship with the latest in-home design, creating a space that’s as functional as it is beautiful. This 4-bedroom, 3-bathroom home is situated in Spring Hill, KS. Comfortably nestled in the heart of our Maplewood Valley community. This beautiful ranch-style home features a full, finished basement that includes a large recreation room, bedroom and bathroom, still leaving plenty of unfinished space for storage. This home is also equipped with cutting-edge Smart Home technology. Control your environment effortlessly with a Honeywell® Pro Z-Wave® Thermostat, Amazon Echo, and a connected home panel, all designed to make your life easier and more comfortable. LED lighting throughout the home and energy-efficient windows ensure that this home is as practical as it is beautiful. From luxury vinyl flooring to a garage complete with 2 openers, every detail in this home has been thoughtfully considered. Don’t miss the opportunity to own this exceptional property in Maplewood Valley! ***Ask agent about special financing and closing cost incentives***

21050 W 217th Street, Spring Hill

Listing courtesy of DRH Team of DRH Realty of Kansas City, LLC.

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