64601 Homes with USDA Loan Financing

Welcome to Chillicothe, Missouri, a charming city nestled in Livingston County, where the zip code 64601 offers a unique blend of small-town charm and modern conveniences. Known as the "Home of Sliced Bread," Chillicothe boasts a rich history and a vibrant community spirit, making it an ideal place to call home.

In 64601, you'll find a variety of housing options that cater to diverse lifestyles and budgets. One of the standout features of this area is the availability of USDA loan financing for eligible homebuyers. This program is designed to promote homeownership in rural and suburban areas, making it an excellent opportunity for those looking to settle in a picturesque environment without breaking the bank. With zero down payment options and competitive interest rates, USDA loans can make your dream of owning a home in Chillicothe a reality.

Chillicothe is not just about beautiful homes; it also offers a wealth of amenities. Enjoy the scenic parks, local shops, and a thriving arts scene that reflect the community's friendly spirit. The city's strong educational system and family-oriented atmosphere make it a perfect place for raising children or enjoying a peaceful retirement.

Whether you’re a first-time buyer or looking to relocate, the 64601 zip code in Chillicothe, MO, presents an inviting opportunity for homeownership. Explore the charm and warmth of this delightful community, where your dream home awaits!

Newest 64601 Homes with USDA Loan Financing

$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.

$185,000

3 Beds ⋅ 1.5 Baths

Cute, comfortable, and full of potential! This 3-bedroom, 1.5-bath ranch offers a functional layout, comfortable living space, and plenty of opportunity to make it your own. The main level features a kitchen and dining combo with a convenient bar area that provides additional seating—perfect for quick meals, morning coffee, or visiting while cooking. Kitchen appliances are included, and fresh paint in several areas gives the home a nice, refreshed feel. An attached one-car garage and additional carport provide plenty of convenient covered parking. The unfinished basement offers tons of additional space and could easily be finished to create a family room, recreation area, home office, or additional living space. Major features include a metal roof that is approximately 13 years old, along with the heating and air system and water heater that are approximately 11 years old. It also has a brand new electrical panel. Out back, you'll love the covered patio overlooking the fenced-in yard—perfect for kids, pets, entertaining, or simply relaxing outdoors. A storage shed provides additional space for lawn equipment and outdoor necessities. Whether you're looking for a home you can enjoy now and update over time or a property where you can build some sweat equity, this ranch has plenty of potential and is ready for its next owner!

1717 Fairchild Street, Chillicothe

Listing courtesy of Brooklyn Anderson of RE/MAX Heritage.

$249,900

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.

$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.

$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.

$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.

$220,000

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.

$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.

$249,900

4 Beds ⋅ 3 Baths

This well-maintained ranch-style home offers 3 bedrooms, 3 bathrooms, and comfortable living space in a desirable neighborhood. Situated on a spacious corner lot, this move-in ready property features a 2-car attached garage and covered patio. Inside, the main level offers two bedrooms, a full bath, and a primary suite complete with a private en suite bathroom. The functional kitchen and dining area provide great space for everyday living and entertaining. The full basement adds valuable extra space with a non-conforming room ideal for an office, guest room, or hobby space, along with an additional bathroom, laundry area, and plenty of storage. Enjoy outdoor living on the covered patio while appreciating the convenience of paved streets and a quiet neighborhood setting. This charming home combines comfort, functionality, and location — ready for its next owner to move right in!

914 Fairlane Drive, Chillicothe

Listing courtesy of Lindy Lile of GASLIGHT REAL ESTATE.

$433,000

3 Beds ⋅ 3.5 Baths

Completely reimagined from top to bottom, this stunning home offers the rare combination of modern luxury, quality craftsmanship, and timeless character — all tucked away on a quiet one-way street just blocks from the middle school and city park. Situated on an oversized 1/2 acre lot surrounded by mature trees, this property delivers space with endless potential for outdoor living, entertaining, gardening, and landscaping customization. The expansive front yard is ready for your personal touch and vision. Inside, the home has been completely renovated with a bright, modern interior design centered around a wide-open great room that seamlessly blends living, dining, and entertaining spaces. The open-concept layout creates an airy, welcoming atmosphere filled with natural light and ideal for both everyday living and hosting guests. The upscale kitchen features quartz countertops, soft-close cabinetry, premium finishes, and a convection range/oven designed for both beauty and functionality. Luxurious bathrooms include elegant backlit defogging vanity mirrors and high-end finishes that elevate the home’s modern aesthetic. Beautifully restored original red oak hardwood floors in the main level bedrooms add warmth, charm, and authenticity while perfectly complementing the clean contemporary design throughout the home. The finished basement expands the living space even further and includes a versatile bonus room perfect for a home office, craft room, fitness area, playroom, or game room. This thoughtfully renovated home combines the character of an established neighborhood with the comfort and reliability of modern systems and finishes. Move-in ready and designed to impress, this home offers luxury living in one of Chillicothe’s most convenient and desirable residential locations.

1709 Polk Street, Chillicothe

Listing courtesy of Bobbi Meneely of RE/MAX Town and Country.

$344,900

4 Beds ⋅ 3 Baths

Welcome to this beautifully updated 4-bedroom, 3-bath home located in the highly sought after Country Club Addition in Chillicothe, MO. Perfectly situated across the street from Simpson Park, Chilli Bay Water Park, and the Girl Scout Little House, this home offers both convenience and a great setting for outdoor enjoyment. Inside, you’ll find fresh updates and modern finishes throughout, creating a move-in ready space that feels both stylish and comfortable. The spacious layout provides plenty of room for living and entertaining, with 3 bedrooms and 2 baths on the main floor designed for everyday functionality. The fully finished basement provides an additional family room or recreational room with a brick fireplace, along with another bedroom and full bath. The home also features a 2-car attached garage offering ample storage. Step outside to enjoy the brand-new deck, easily accessible from the dining room, perfect for relaxing evenings, grilling, and hosting guests. With its prime location, thoughtful updates, and inviting layout, this home is a fantastic opportunity to enjoy comfortable living in one of Chillicothe’s most sought-after neighborhoods.

1800 Country Club Drive, Chillicothe

Listing courtesy of Ashley Gabrielson of United Country Graham Agency.

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