Find USDA Eligible Properties in Thurston County
Looking to buy in Thurston County, Washington?
Select from the list of cities below or use the search feature to find active property listings in a city where you would like to live.
Start your search for USDA loan eligible properties in the cities of Thurston County, WA 
* cities most likely to have USDA loan eligible properties for sale.
Beachcrest • Belmore • Bordeaux • Boston Harbor • *Bucoda • Chain Hill • Delphi • East Olympia • Essex • *Grand Mound • Independence • Kellys Korner • Lacey • Littlerock • Maytown • Michigan Hill • Mima • Nisqually • *Nisqually Indian Community • North Olympia • *North Yelm• • •
| What is a USDA Loan? |
| The USDA 502 Guaranteed Loan Program is designed to help homebuyers in eligible rural areas secure affordable housing with no down payment required. Backed by the U.S. Department of Agriculture, this loan offers competitive interest rates, flexible credit requirements, and lower mortgage insurance costs compared to conventional loans. Borrowers work with approved lenders, and the USDA provides a guarantee, reducing the lender’s risk and making homeownership more accessible. |
| Take the First Step Toward 0% Down Financing |
• Offutt Lake • Olympia • Puget • *Rainier • *Rochester • Saint Clair • Schneiders Prairie • Skookumchuck • South Bay • South Union • Sunnydale • Tanglewilde • *Tenino • Thompson Place • Tono • Tumwater • Union Mill • Vail • *Yelm
There are 890 USDA backed residential loans in Thurston county with an average loan balance of $181,495. Over 85% of the loans helped first time home buyers. Borrowers were an average age of 38 years old. The typical appraised home value was around $184,397. On average the rural home size purchased with this loan was approximately 1,511 SqFt. Alternate income limits exist to determine loan eligibility in Thurston county. For a household of upto 4 people the income limit is $96,250. For a household of between 5 and 8 people the income limit increases to $127,050.
The size of Thurston County is roughly 2,007 square kilometers. USDA defined regions of rural loan ineligibility in Thurston cover 257 square kilometers of the county. Approximately 12.8% of Thurston County is ineligible for traditional USDA home loans. The influence score for Thurston County is 2. Look below for the interactive county level map illustration below for more details.
A USDA loan is a mortgage option available to eligible homebuyers that is sponsored by the United States Department of Agriculture to promote homeownership in rural communities. USDA Loans, sometimes called "RD Loans," offer 100% financing options on eligible rural properties. USDAProperties can help you find USDA properties in Thurston County.
View the detailed USDA boundaries and read about general conditions of
Thurston County, Washington
.Thurston County, located in the great state of Washington, was established on January 12, 1852, and was initially a part of Lewis County. Named after Samuel R. Thurston, the first delegate to Congress from the Oregon Territory, the county has a rich history deeply intertwined with Pacific Northwest exploration, Native American tribes, and a growing industrial economy.
Before European settlement, the Nisqually, Squaxin, and Chehalis people inhabited the region, living off fishing, hunting, and gathering resources from the lush environment. In 1792, British Captain George Vancouver first explored the area, paving the way for further expeditions in the region. The Hudson Bay Company soon established a presence, creating the Puget Sound Agricultural Company and the Fort Nisqually trading post in 1833. The area witnessed an influx of European-American settlers during the 1850s, following the Oregon Trail.
The formation of Washington Territory in 1853 led to the establishment of Olympia in Thurston County as its capital. The county grew rapidly, thanks to its expanding logging industry, which thrived until the early 20th century. Later, the agriculture and the shellfish industries began to develop, eventually becoming major contributors to its economy. The construction of the Northern Pacific Railroad in the late 1800s further boosted the county's growth.
Today, the lush area cradles the southern end of Puget Sound, maintaining its natural beauty while being home to over 290,000 residents. One fun fact about Thurston County pertains to its famous Mima Mounds - a mysterious geological formation found in the Mima Mounds Natural Area Preserve. These grassy, dome-shaped mounds, which can be up to 8 feet tall, remain a puzzle for many scientists who debate various theories regarding their formation, including glacial deposits and seismic activity.
Featured Cities of Washington
browse list of realtors working in Thurston CountyThurston county has 4 usdaproperties.com realtors ready to help with your search!
| May 2025 Featured Agents | |
|---|---|
| Janie Weller | from John L.Scott Olympia |
| Mark Ellis | from Capitol Real Estate |
| Sheryl Williams | from Windermere Real Estate Yelm |
| Tonya York | from RE/MAX Northwest |
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