Fort Scott Homes with USDA Loan Financing

Welcome to Fort Scott, Kansas – a charming city nestled in Bourbon County, known for its rich history and vibrant community. One of the standout features of Fort Scott is its exceptional school district, which is dedicated to providing quality education for students of all ages. The Fort Scott School District prides itself on fostering a nurturing environment that encourages academic excellence, creativity, and personal growth. With a range of programs and extracurricular activities, students are well-equipped to thrive both in and out of the classroom.

Families considering a move to Fort Scott will find a variety of homes that cater to their needs, many of which qualify for USDA loan financing. This financing option is a fantastic opportunity for eligible buyers, as it allows for 100% financing on homes in designated rural areas, making homeownership more accessible than ever. Fort Scott's picturesque neighborhoods offer a mix of charming historic homes and modern builds, providing options for every taste and budget.

Living in Fort Scott means not only enjoying the benefits of a supportive school district but also embracing a community rich in culture and outdoor activities. From local parks and recreational facilities to annual events that bring residents together, there’s always something happening in this friendly town.

If you’re looking for a place where education, community, and homeownership opportunities come together seamlessly, Fort Scott is the perfect choice. Explore the possibilities today and discover your dream home in this welcoming Kansas community!

Newest Fort Scott Homes with USDA Loan Financing

$139,400

3 Beds ⋅ 1 Baths

Tucked on a corner lot right in the heart of town, this 1,830 sqft 1.5 story bungalow offers a smart layout, thoughtful updates, and character you don't often find at this price point. The main floor (1,200 sqft) is all about easy living - an open - concept living, dining and kitchen space that flows naturally, plus convenience of main-floor laundry, two bedrooms and a full bath. Upstairs, you'll find a third bedroom, a flexible study and a bright sunroom - perfect for a home office, reading nook or hobby space. The seller is offering a $1,000 flooring allowance so you can choose new flooring for this level to make it your own. Step outside to an enclosed sunroom off the back of the home and a covered patio overlooking the fully fenced backyard (vinyl privacy fencing) - a great spot for relaxing or entertaining. Cat owners will love the custom built-in "cat room", a fun and functional touch you won't find just anywhere. The oversized 2-car garage offers plenty of room for vehicles, storage or a workshop setup. Downstairs, the unfinished basement adds valuable storage space and includes a bonus bathroom. Recent updates give real peace of mind: a brand-new roof, a whole house generator and high-efficiency boiler (just 2 years old) powering the home's baseboard heat. Centrally located, move-in ready, and full of unique touches - this one is definitely worth a look.

1102 S National Avenue, Fort Scott

Listing courtesy of Bailey Lyons of Lyons Realty Group.

$142,500

3 Beds ⋅ 2 Baths

This 3-Bedroom, 2-Bath Home is Perfectly Situated on a Large Corner Lot. A Cozy Front Porch is Ready for Entertaining. The Front Room is Lofted and Leads to a Large Kitchen Dining Area with an Oversized Island/Bar and Tons of Cabinets/Storage Space. Comfort is Key with a Generous Walk-In Closet and Ensuite Bath in the Master Bedroom and a Bay Window Brightening the Second Bedroom. Upstairs is the Third Bedroom Plus Extra Storage Space! The Outside is Lower Maintainance with Brick and Vinyl Siding, and a Cozy Covered Front Porch. There is a Large Insulated, Detached Garage and Newer A/C Plus Upgraded Windows. Range and Dishwasher Stay with the Home.

323 S Holbrook Street, Fort Scott

Listing courtesy of Cynthia Wiltse of Keller Williams Realty Partners Inc..

$109,000

2 Beds ⋅ 1 Baths

This adorable bungalow offers curb appeal on the outside, and updates galore inside! The home has been completely remodeled from top to bottom. New plumbing, new electric, new HVAC, new windows — the big-ticket systems are all done, so you can focus on making it yours. Which shouldn’t be hard to do! Every cosmetic finish is fresh too, including a fully remodeled kitchen and bathroom, new LVP flooring, stylish matte black finishes, and neutral paint throughout. Step up to a cute covered front porch, the kind made for morning coffee or watching the neighborhood go by. Inside, you’ll find a big, open living and dining area that gives the home a comfortable, easy flow for everyday living or entertaining. Storage and parking won’t be a problem here — this property comes with two separate one-car garages. There’s also an unfinished attic space with real potential, whether you’re picturing a third bedroom, a home office, a cozy loft, or just more storage. This is solid, updated home has so much to offer, and all at an affordable price point!

1117 E 1st Street, Fort Scott

Listing courtesy of Bailey Lyons of Lyons Realty Group.

$219,000

4 Beds ⋅ 2.5 Baths

Just outside of town on a paved road, this recently renovated 4-be, 2.5 bath ranch offers easy one-level living on a full acre. The primary suite sits on one end of the home with a new en suite bathroom, while three additional bedrooms and a second full bath are on the other side - giving everyone their own space. In between, a family room with a stone fireplace and solid hardwood floors opens to the dining area, next to a kitchen refreshed with new concrete countertops. A laundry room and half bath round out the interior. Outside, the large yard leaves plenty of room to garden or landscape, without being a hassle to maintain. It's country living with none of the trade-offs - space inside and out, peace and quiet, and room to breathe, just minutes from everything in town. Book your showing today!

2278 Jayhawk Road, Fort Scott

Listing courtesy of Bailey Lyons of Lyons Realty Group.

$175,000

3 Beds ⋅ 1.5 Baths

You will love this 3 bed 1 and a half bath ranch in a highly sought after Ft Scott neighborhood on a huge corner lot! New paint and new flooring throughout the home. Amazing open concept living and dining room area with tons of natural light! Newly painted functional sized kitchen with dining nook and the appliances are less than two years old! The home has an updated full bath and a half bath for guests. The bedrooms have decent sized closets,new carpet and paint. Step out of the dining room area into a screened in porch for enjoying the evening bug free!! Fenced in yard with a newer nice sized shed in the back and a big front and side yard. This one will go fast so call an agent today!!!

1351 Marblecrest Drive, Fort Scott

Listing courtesy of Mike Chitwood of United Real Estate Kansas City.

$280,000

5 Beds ⋅ 2.5 Baths

Rare find in this 5 BR, 2.5 bath home, 2637 sq. ft., on a SINGE LEVEL. Numerous updates including roof, screens and guttering 2026, D/W 2026, Hague system saltwater softener with reverse osmosis under sink & on sink dispenser. A beautiful gas FP featured in spacious FR featuring vaulted ceiling and exposed wooden beams. Two living spaces and two dining spaces flow seamlessly into the large kitchen with plenty of cabinets and counter space. Primary suite has a custom tiled walk-in shower and generous closet space. Desirable features found on the exterior include a 3-car garage with concrete drive, heated detached bonus space for an office, man-cave, she-shed, workshop or private guest area. Large, nicely landscaped yard, rear patio and ample space for summer gatherings, kids play area or your favorite pets. Convenient location near schools, parks, grocery, church, easy highway accesss for travel & employment. Call us today!!

1508 S Margrave Street, Fort Scott

Listing courtesy of Diann Tucker of Stewart Realty Company.

$225,900

3 Beds ⋅ 2.5 Baths

Located on almost 1/2 acre, you'll love this updated slab-built home with nearly 3400 square feet of living space, surrounded by white vinyl picket fencing at the entry, adding charm & beauty. Enjoy the afternoon on the composite deck with no worries of the hot sun. The electric retractable awning located on the front & back patio areas provides the perfect shade on a warm day. Fruit trees, blooming flowers & ornamental grasses surround the home, along with the perfect raised strawberry bed. Created with efficiency & low maintenance in mind, yet finished with attractive features, the flexible layout of the home provides opportunities for use in multiple ways such as an individual home, or multi-family living &/or a home business. Feel pampered in 2 separate master suites as you prepare for your day, each having attached zero entry spa-like showers, large dressing areas, double vanities and enough space to create additional bedrooms, if desired. A large walk-in closet in the 2nd primary bedroom doubles as a saferoom to provide peace of mind during storms. This home has been modernized with stained concrete & vinyl plank flooring, as well as thermal windows that allow privacy & wonderful natural light to flow throughout. Several doorways are accented with barn-type slider doors &/or French door entries to provide appeal. Get creative in the spacious kitchen making use of the abundant counter space & cabinetry featuring an open pass-through leading to a coffee bar & relaxed dining area. The design allows for meal prep & dining to be enjoyed while entertaining. Looking for a workshop space? Look no further! An attached 15x8 workshop is located west of the carport, as well as a 3 car detached garage with concrete floor, elec amp's for welding, storage & more. At the end of the day, stroll down to the firepit/patio swing area for an evening of smores & enjoy the relaxing sounds of birds singing in the evening air. This home is truly a must see!

423 S Barbee Street, Fort Scott

Listing courtesy of Ginger Nance of Stutesman's Action Realty.

$168,500

3 Beds ⋅ 2 Baths

This beautifully renovated ranch-style home shines inside and out, with great curb appeal and extensive aesthetic and mechanical updates completed within the last five years. The result is a true low-maintenance gem, ready for its next owner. Inside, you'll find a beautiful kitchen, updated bathrooms, fresh neutral paint, and refinished hardwood floors throughout. Behind the scenes, major systems have also been upgraded, including the roof, siding, windows, HVAC, plumbing and electrical - giving you peace of mind for years to come. Accessibility features include a walk-in shower and a walk-in jetted tub, adding both comfort and convenience. Outside, an in-ground storm shelter and storage shed round out this well-equipped property. Come see for yourself all that this charming home has to offer!

1414 S Horton Street, Fort Scott

Listing courtesy of Bailey Lyons of Lyons Realty Group.

$115,000

2 Beds ⋅ 2 Baths

Step into timeless character with this classic two-story home that blends historic charm with tasteful updates. From the moment you arrive, the welcoming front porch invites you to slow down and stay awhile — and the enclosed sun porch directly above makes the perfect spot to enjoy your morning coffee in every season. Inside, you’ll be greeted by an entryway featuring the home’s original wood bannister, and hardwood floors flow through key areas of the home. The updated eat-in kitchen offers newer appliances including a refrigerator, electric range, dishwasher, and garbage disposal — everything you need to cook and gather with ease. The home offers 2 bedrooms and 2 bathrooms, plus a large bonus space that provides a comfortable and functional layout with flexibility. Out back, enjoy a private fenced area perfect for small pets, a small deck ideal for relaxing, and a storage building with electricity for your hobbies, tools, or extra space needs. Located in the heart of Fort Scott, just a short walk from downtown shops, dining, and amenities, this home sits in a quiet, established neighborhood that offers the best of small-town living.

419 S Eddy Street, Fort Scott

Listing courtesy of Bailey Lyons of Lyons Realty Group.

$167,500

4 Beds ⋅ 4 Baths

4 Units Under One Roof — Cash Flow Ready! Built in the late 1800s, this massive home offers over 3,700 square feet of finished living space divided into four separate apartment units. Each unit has its own private kitchen, living area, and bedroom, with all entrances accessible from inside the main front door — no external stairways or separate entrances to deal with. Every unit has its own electric meter, making utility billing simple and straightforward. On top of that, the seller will be installing a brand new mini split system in each unit before closing, so heat and AC are already handled. The home features tall ceilings, large windows, and has been updated with fresh paint and new flooring throughout. One of the downstairs units comes with access to an attached garage and a fenced-in yard — a solid perk that will make that unit easy to rent or a great option if you plan to occupy it yourself. If you’re looking for a ton of square footage at a low price per square foot, this is hard to beat. Occupy the entire home with room for everyone to spread out, live in one unit and let the others pay your mortgage, hold it as a straight investment for cash flow, or use it for multi-generational living — the setup works for all of it. Four separate living spaces, one building, one purchase. Opportunities like this don’t come up often.

22 N Eddy Street, Fort Scott

Listing courtesy of Bailey Lyons of Lyons Realty Group.

$154,000

3 Beds ⋅ 2 Baths

Welcome home to this beautifully updated 1,679-square-foot ranch, where style and functional living come together. Featuring three bedrooms and two bathrooms, including a spacious primary en suite with a double vanity, this home offers comfort and convenience for everyday living. The open-concept living creates an inviting atmosphere, highlighted by tasteful updates, luxury vinyl plank flooring throughout the main living areas along with the comfort of carpet in the bedrooms, and a well-appointed kitchen complete with stainless steel appliances. A versatile bonus room provides endless possibilities and could easily serve as a fourth bedroom, home office, playroom, hobby space, or whatever best suits your lifestyle. Situated on a peaceful corner lot of just over a quarter acre, the property offers plenty of outdoor space to enjoy. Relax under the covered patio, appreciate the durability of the metal roof, and utilize the large outbuilding & stone garden shed for your storage needs. With its thoughtful updates, flexible floor plan, and desirable storage opportunites, this move-in-ready home is one you won’t want to miss!

302 S McCleverty Street, Fort Scott

Listing courtesy of Jeff Armstrong of Front Door Real Estate, Inc..

$425,000

5 Beds ⋅ 4.5 Baths

Step into a one-of-a-kind custom-built mid-century modern masterpiece offering incredible space, architectural character, and endless possibilities. Tucked away on a quiet cul-de-sac, this expansive home was thoughtfully designed with multiple living areas, unique entertaining spaces, and flexible layouts ideal for today’s evolving lifestyle needs. From the moment you enter, you’ll be captivated by the stunning floor-to-ceiling stone fireplaces, dramatic architectural lines, and walls of windows that bring warmth and natural light throughout the home. The interior greenhouse creates a truly distinctive focal point, blending indoor living with natural beauty in a way rarely found. With generous square footage, private living spaces, and exceptional versatility, this property offers exciting opportunities for multi-generational living, extended guest accommodations, creative studio space, or even the potential for short-term rental income opportunities. Every room offers its own personality and purpose, creating an experience unlike anything else on the market. Additional highlights include a spacious three-car garage, custom details

402 Lees Circle Drive, Fort Scott

Listing courtesy of Jennifer Karr of KW Diamond Partners.

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