Atchison Homes with USDA Loan Financing

Welcome to Atchison, Kansas! This charming city, located in Atchison County, boasts a top-rated school district that is highly sought after by families looking to provide their children with a quality education. The Atchison school district is known for its dedicated teachers, diverse academic programs, and strong sense of community.

For those looking to purchase a home in Atchison with USDA loan financing, you're in luck! There are plenty of options available that qualify for this type of financing, making the dream of homeownership more attainable for many buyers. With attractive interest rates and little to no down payment required, USDA loans are a fantastic option for those looking to settle down in this beautiful city.

Atchison offers a mix of historic and modern homes, with something to suit every taste and budget. Whether you're looking for a cozy bungalow, a spacious family home, or a charming fixer-upper, Atchison has it all. Imagine coming home to tree-lined streets, friendly neighbors, and a sense of community that is second to none.

If you're ready to make Atchison your new home and take advantage of the excellent school district and USDA loan financing options, now is the perfect time to start your search. Let us help you find the perfect home in this wonderful city that truly has something for everyone.

Newest Atchison Homes with USDA Loan Financing

$369,000

4 Beds ⋅ 2 Baths

Beautiful tri-level home on the edge of town. This recently updated 4-bedroom, 2-bath home is one you won’t want to miss. The main level features an open floor plan with a spacious living room and a fully remodeled kitchen, complete with beautiful new cabinets, granite countertops, subway tile backsplash, abundant storage, a large island, and a pantry. All new appliances stay. The upper level includes three bedrooms and a fully remodeled bathroom. The lower level offers a large family room, full bath, bedroom, laundry area, and washer and dryer that stay. This home also provides plenty of storage. Recent updates include new heating and cooling, a new hot water tank, new windows, updated electrical, some updated plumbing, and added insulation above the garage and great room. The exterior has been freshly painted and landscaped, with a beautiful retaining wall and a large, covered patio ideal for entertaining and outdoor activities on this half-acre lot.

8381 Pratt Road, Atchison

Listing courtesy of Dan Pickman of Colonial Realty Inc.

$145,000

2 Beds ⋅ 1 Baths

Completely remodeled and truly move-in ready! This beautifully updated ranch offers the perfect blend of style, comfort, and affordability. Recent renovations include gorgeous new countertops, a modern tile backsplash, updated lighting, and a refreshed kitchen designed for everyday living and entertaining. Even better, all appliances stay, including the washer and dryer conveniently located on the main level. The foundation has been professionally repaired by one of Atchison’s trusted contractors, and many additional improvements have already been completed, allowing you to move in with confidence. Whether you’re a first-time homebuyer, looking to downsize, or searching for an investment opportunity, this home delivers exceptional value without sacrificing quality. Don’t miss your chance to own a beautifully updated home at an incredible price. Schedule your private showing today!

1013 Kearney Street, Atchison

Listing courtesy of Jess Norris of Gateway Real Estate & Auction.

$238,000

4 Beds ⋅ 2 Baths

This 4-bedroom, 2-bath home offers a spacious double living room, kitchen featuring granite countertops and Butler's pantry, main-level laundry, and a blend of historic character with today's conveniences. Situated on a corner lot across from a park, the fenced backyard features a gazebo, storage shed with electricity, and room to enjoy the outdoors. Currently has a 5.5% VA assumable loan.

619 N 10th Street, Atchison

Listing courtesy of Louise Regenstein of Gateway Real Estate & Auction.

$425,000

3 Beds ⋅ 2 Baths

Perched on approximately 4 scenic acres overlooking the Missouri River, this one-of-a-kind ranch offers breathtaking panoramic views and a peaceful country setting just minutes from town. Featuring 3 bedrooms, 2 full bathrooms, and over 1,700 square feet of comfortable living space, this home combines everyday functionality with unforgettable scenery. The spacious layout includes vaulted ceilings, an eat-in kitchen, and a 2-car attached garage. A rare highlight is the indoor heated pool, allowing for year-round enjoyment regardless of the season. Step outside to take in spectacular river and bluff views from the backyard and patio, making this property perfect for entertaining or simply relaxing in nature. If you've been searching for privacy, acreage, and a truly exceptional setting, this is a must-see property.

322 Riverfront Road, Atchison

Listing courtesy of Karim Majed of Keller Williams Realty Partners Inc..

$233,000

3 Beds ⋅ 1.5 Baths

Welcome home to this beautifully updated 2-story home offering 3 bedrooms, 1.5 bathrooms, and the perfect blend of classic character and modern conveniences. From the moment you arrive, you'll appreciate the inviting front porch, mature shade trees, and spacious yard that provides plenty of room to relax, entertain, or play. Inside, you'll find bright, open living spaces featuring updated flooring, neutral finishes, and abundant natural light. The spacious living room flows effortlessly into the formal dining room, creating an ideal layout for everyday living and hosting family and friends. The remodeled kitchen is a true standout with crisp white cabinetry, stainless steel appliances, a stylish subway tile backsplash, and a large butcher block island that offers additional seating, prep space, and storage. Upstairs, three bedrooms provide peaceful retreats, with access to the full bathroom and convenient main-level half bath add functionality for today's lifestyle. Outside, the large yard offers endless possibilities—whether you're envisioning summer barbecues, gardening, a play area, or simply enjoying the outdoors. Combining historic charm with tasteful updates, this move-in ready home is one you won't want to miss. Schedule your private showing today and discover all this charming home has to offer!

1016 N 10th Street, Atchison

Listing courtesy of Haley Lake of RE/MAX PROFESSIONALS.

$129,500

2 Beds ⋅ 1 Baths

Charming 2-bedroom, 1-bath bungalow situated on a corner lot with chain-link fencing. This inviting home features a spacious living/dining room combo, a nice kitchen with lots of cabinets, tile flooring, and appliances that remain with the property. Both bedrooms are large, with a full bath conveniently located between them and featuring a tiled shower and tub. The full walk-out basement offers additional potential and opens to a patio area, perfect for enjoying the outdoors. A small storage shed is included, and the welcoming front porch adds to the home’s curb appeal and provides a comfortable place to relax.

1400 Santa Fe Street, Atchison

Listing courtesy of Dan Pickman of Colonial Realty Inc.

$287,000

3 Beds ⋅ 2.5 Baths

Wonderful 2 story Second Empire home located on a shaded corner lot. This home has been completely remodeled for the roof to the ground. Front porch is ready to welcome friends and neighbors. Bright and airy living room and eat in kitchen. All new kitchen appliances. Featuring a pantry cabinet. Main floor laundry with half bath. Primary Bedroom on the main floor features a primary bath with double sink vanity, walk in shower, large walk-in closet. 2 bedrooms on the second floor. Second bath on the second-floor hallway. Walking distance to College and downtown. Spacious fenced yard. Seller is a licensed real estate agent in the State of Kansas.

421 Unity Street, Atchison

Listing courtesy of Marcia Hunziger of Colonial Realty Inc.

$575,000

4 Beds ⋅ 3.5 Baths

Seller is offering $5,000 credit toward fireplace and master shower finish. Set on nearly three acres with bluffs behind and no neighboring homes to the east, this property offers the kind of privacy and usable land that is increasingly hard to find. Located outside city limits, it provides the freedom to add outbuildings, expand, or simply enjoy the space without restriction. The home combines the original character of 1,472 sq ft of finished space with a well-planned 1,448 sq ft addition completed in 2025, offering a total of four bedrooms and two and a half bathrooms. The newer portion features 10-foot ceilings, durable LVP flooring, epoxy-finished bathroom and garage floors, a spacious primary suite with private bath and built-in safe, an additional full bathroom, laundry room, and a 16’ x 22’ garage. Major improvements completed during the addition include new metal siding, a metal roof, a new HVAC system, and a tankless water heater. The original section of the home retains its charm with two bedrooms and a half bath upstairs, a main-level kitchen, an additional bedroom, and a comfortable living room with a propane fireplace. Two porches and a southeast-facing wood deck provide easy places to enjoy the surrounding land. Outdoor features are a true highlight, with an in-ground pool, concrete decking, and a 13’ x 16’ gazebo designed for outdoor cooking and gathering. Multiple outbuildings add exceptional versatility, including a 24’ x 36’ shop with three overhead doors and power, a fully finished 24’ x 36’ building with heating, cooling, a full bathroom, and its own septic system, a 28’ x 16’ building with garage door and storage, and an additional 8’ x 12’ shed. A historic grain bin remains, adding authentic rural character to the property. Located just south of Atchison and minutes north of Leavenworth, this acreage offers privacy, modern updates, and room to grow—well suited for those looking for space, function, and freedom.

19164 258th Road, Atchison

Listing courtesy of Justas Norvilas of EXP Realty LLC.

$350,000

4 Beds ⋅ 3 Baths

Step into timeless character and charm with this stunning all-brick 1885 beauty located in the heart of Atchison! Offering over 3,300 square feet, this 4 bedroom, 3 bathroom home perfectly blends historic elegance with thoughtful updates. From the moment you arrive, you’ll fall in love with what may just be the best front porch in Atchison — the perfect place for morning coffee, evening conversations, and enjoying the beauty of this historic neighborhood. Inside, you’ll find gorgeous hardwood floors, incredible original woodwork, and spacious rooms filled with natural light and character you simply can’t recreate. The updated roof provides peace of mind while preserving the home’s timeless curb appeal. The unfinished basement offers an abundance of storage space and endless potential for hobbies, a workshop, or future finishing opportunities. Outside, the detached garage adds convenience and additional storage while the mature trees and classic brick exterior create a truly unforgettable setting. Homes with this level of craftsmanship, charm, and presence rarely come available. Don’t miss your opportunity to own a piece of Atchison history!

1120 Kansas Avenue, Atchison

Listing courtesy of Jess Norris of Gateway Real Estate & Auction.

$170,000

2 Beds ⋅ 1.5 Baths

This inviting 2-bedroom, 1.5-bath home offers comfort, space, and versatility on a generously sized lot. In addition to the main bedrooms, a 3rd non-conforming bedroom provides extra flexibility for guests, an office, or hobby space. Inside, you’ll find a large family room perfect for gathering, complete with a cozy fireplace that creates a warm and welcoming atmosphere. A bonus room adds even more options to fit your needs. The attached basement garage offers convenience and additional storage, while the spacious yard provides plenty of room to enjoy the outdoors. A wonderful opportunity to own a home with both charm and functionality!

1219 Julia Street, Atchison

Listing courtesy of Robert Chew of Gateway Real Estate & Auction.

$259,000

4 Beds ⋅ 2 Baths

This renovated 1880 brick/vinyl home offers 4 spacious bedrooms, a newer roof, gutters, wraparound porch, and updated kitchen with island. Features include two newer furnaces, central air, new windows, added insulation, and two updated bathrooms. The main floor has a large living room and dining room with pocket doors, potential for a bedroom or office, plus ample attic and basement space. Situated on a corner half-acre lot, the property includes a landscaped driveway with large limestone rocks.

401 N 9th Street, Atchison

Listing courtesy of Dan Pickman of Colonial Realty Inc.

$134,999

4 Beds ⋅ 2 Baths

This charming two-story home offers the perfect blend of space, comfort, and convenience. Featuring 4 bedrooms and 2 full bathrooms, there’s plenty of room for families of all sizes or those who simply enjoy extra space for guests, a home office, or hobbies. The main level welcomes you with a bright and inviting living area, ideal for relaxing or entertaining. The bright and airy kitchen allows space for creating home-cooked meals. One bedroom with an attached bathroom on the main floor adds convenience and flexibility. Upstairs, you’ll find 3 additional bedrooms with great natural light along with a second full bathroom designed to accommodate busy mornings with ease. Outside, the home features off-street parking, offering added convenience and peace of mind. The backyard provides a great opportunity for outdoor enjoyment with a fire pit already in place and plenty of space for children to play. With its functional layout, spacious design, and practical features, this home is ready to welcome its next owner.

830 Unity Street, Atchison

Listing courtesy of Lauren Pierce of BG & Associates LLC.

Start Your Search

The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use