64601 Homes with FHA Financing

64601 Homes with FHA Financing

Welcome to Chillicothe, Missouri, a charming city nestled in the heart of Livingston County, where the zip code 64601 opens the door to a welcoming community and a variety of housing options. Known for its rich history and friendly atmosphere, Chillicothe is a delightful place to call home. Whether you’re drawn by the picturesque landscapes, vibrant local culture, or the warmth of its residents, you’ll find that 64601 has something special to offer everyone.

In Chillicothe, homebuyers can explore a range of properties that cater to different tastes and budgets. One of the significant advantages of buying a home in this area is the availability of FHA financing, making homeownership more accessible for first-time buyers and those looking to invest in their future. With FHA loans, you can take advantage of lower down payment requirements and flexible credit guidelines, making it easier to secure your dream home in this inviting community.

The homes in 64601 often showcase charming architectural styles, spacious yards, and are conveniently located near local amenities such as parks, schools, and shopping centers. Plus, with a strong sense of community and a variety of local events throughout the year, residents enjoy a fulfilling lifestyle that blends the tranquility of small-town living with the conveniences of modern life.

If you’re considering making a move, let the warmth of Chillicothe and the promise of FHA financing guide you toward finding your perfect home in this delightful zip code. Welcome to 64601, where your dream home awaits!

Newest 64601 Homes with FHA 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.
$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.
$269,900
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.
$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.
$244,900
4 Beds ⋅ 3 Baths
Step into timeless charm with all the modern updates you've been looking for! This beautifully maintained 4-bedroom, 3-bathroom home, originally built in 1928, perfectly blends classic character with today's conveniences. Located just one block off main street in the heart of Chillicothe, you'll enjoy the charm of a historic neighborhood with easy access to shopping, dining, and downtown amenities. Inside, you'll find gorgeous wood floors, abundant natural light, and unique wooden window shutters/blinds that add warmth and character throughout the home. The updated kitchen features new appliances, making it move-in ready while preserving the home's original appeal. The main level offers two spacious bedrooms, a beautifully updated bathroom with a walk-in shower, a welcoming dining room, and comfortable living spaces. Upstairs, you'll find two additional bedrooms, large closets, a full bathroom complete with a classic clawfoot tub, and a versatile bonus room perfect for a home office, playroom, hobby space, or guest retreat. The fully finished basement provides even more living space with a large recreation room featuring a kitchenette, a full bathroom, a laundry room with a utility sink, and abundant storage—offering endless possibilities for entertaining, hobbies, or additional living space. Outside, relax on the covered front porch or enjoy evenings on the covered back patio. With tasteful exterior updates and countless modern improvements while preserving its original charm, this home truly offers the best of both worlds. If you've been searching for a home with historic character, modern updates, abundant space, and an unbeatable location, 911 Cherry Street is one you won't want to miss!

911 Cherry Street, Chillicothe

Listing courtesy of Megan Sensenich of United Country Graham Agency.
$293,000
5 Beds ⋅ 2.5 Baths
Welcome to this spacious 5-bedroom, 2.5 bath home in Chillicothe, offering plenty of room for everyone! With multiple living spaces and a functional layout, this home is perfect for growing families, entertaining guests, or simply enjoying extra space. It has TWO sheds, a huge double lot & there are also full RV hookups! Step outside to a large backyard with endless possibilities for outdoor activities, gardening, or relaxing. One of the standout features is the huge bonus entertaining area next to the garage—ideal for hosting family gatherings, game nights, celebrations, or creating the ultimate hobby space. If you've been looking for a home with room to spread out, both inside and out, this one is a must-see. Schedule your showing today and discover all the space this Chillicothe home has to offer!

1215 Clay Street, Chillicothe

Listing courtesy of Chelsea Boyd of 1st Class Real Estate KC.
$449,900
4 Beds ⋅ 4.5 Baths
A one-of-a-kind property offering 5,138 square feet of living space designed for flexibility, comfort, and endless possibilities. With two distinct living areas seamlessly combined into one incredible home, this property is ideal for a large family, multi-generational living, daycare, or anyone looking for space to live, work, and entertain. The original home, built in 1957, offers timeless charm with a functional layout featuring a kitchen, laundry area, spacious living and dining room combination, a primary bedroom with a private half bath, an additional bedroom, and a full bathroom. A thoughtfully designed addition completed in 2000 expands the home with a stunning open-concept floor plan. The main level showcases a large family room with a cozy fireplace, spacious kitchen and gathering area, laundry room, pantry, and convenient half bath. Upstairs, you'll find an office with a generous closet, an impressive primary suite featuring a large walk-in closet, spa-inspired bathroom with a soaking tub, dual vanities, walk-in shower, and linen closet. The finished basement adds even more living space with a private bedroom featuring an ensuite bath and an additional family room, perfect for guests or extended family. One of the home's most unique features is the private courtyard, creating a peaceful outdoor retreat in the heart of the home. The property also includes a 2-car detached garage and sits on a desirable corner lot in one of the area's most sought-after neighborhoods. Located directly across from the golf course and just minutes from a water park, this home offers an unbeatable combination of space, flexibility, and location. The original home and newer addition can easily be separated, allowing for independent living spaces or income-producing opportunities. If you've been searching for a home that offers room to grow, entertain, or invest, this exceptional property is one you won't want to miss.

2216 Country Club Drive, Chillicothe

Listing courtesy of Lindy Lile of GASLIGHT REAL ESTATE.
$299,900
3 Beds ⋅ 3 Baths

1820 Country Club Drive, Chillicothe

Listing courtesy of Lindy Lile of GASLIGHT REAL ESTATE.
$150,000
3 Beds ⋅ 1 Baths
Welcome home to this beautifully refreshed 3-bedroom, 1-bath property! New laminate flooring and fresh paint throughout give the home a bright, modern feel, while large windows fill the space with natural light and showcase its unique charm. The detached two-car garage offers ample storage and workspace, making it perfect for vehicles, tools, or hobbies. This move-in-ready home is ready for its next owner!

1304 Jackson Street, Chillicothe

Listing courtesy of Kristy Lauhoff of Century 21 Farm and Home.
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