Western NC Homes Under $500K

Browse listings for homes priced at $500,000 or lower in Western North Carolina. Register on our site to receive email updates when similar properties matching your criteria become available.

NC Homes for Sale Under $500K

Call Silver Creek Real Estate Group at 828-743-1999 for more information or to see any of the properties in person.

551 Bob Long Mountain Road Scaly Mountain NC 28775

MLS Number 1003102

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 1.05

Sky High Cottage presents a unique opportunity to enjoy mountain living from a peaceful, elevated setting at approximately 4,100 feet above sea level - higher than Main Street in Highlands. Tucked at the end of the road, this private retreat offers a true sense of escape while remaining just minutes from town. Surrounded by mature, native landscaping - rhododendron, weeping cherry, and blooming hydrangeas - the home blends seamlessly into its natural surroundings, with Scaly Mountain providing a beautiful backdrop. Protected National Forest land borders the property, and a Forest Service road just beyond the driveway leads directly to the Bartram Trail, offering effortless access to hiking and outdoor adventure. And yet, it remains conveniently connected to the local community - only about 15 minutes to Highlands and 30 minutes to Clayton. Outdoor living is a standout feature, with both covered and open decks designed to take full advantage of the cool mountain air and treetop views. A charming stone patio below creates an inviting space for gathering, relaxing, or enjoying quiet evenings in nature. Inside, the home is warm and inviting, centered around a Malm gas fireplace (with the option to convert to wood-burning) in the main living area. The layout flows comfortably between the living, kitchen, and dining spaces, making it ideal for both everyday living and casual entertaining. Two spacious bedrooms share a well-sized bathroom, and the metal roof adds to the cozy mountain ambiance - especially during a passing rain. Practical upgrades such as HardiePlank-style siding, an encapsulated crawl space, and a tankless water heater provide low-maintenance, efficient living. The property also offers flexibility for future expansion or customization, giving the next owner the opportunity to enhance and grow the home over time. Offered furnished, the cottage is ready for immediate enjoyment. With its privacy, elevation, and direct access to outdoor recreation, it also offers excellent potential as a short-term or seasonal rental investment.

Listed by Cassie Neal of Silver Creek Real Estate Group,Inc.

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$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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97 Archer Drive Cullowhee NC 28723

Cullowhee, NC97 Archer Drive

Price$495,000

Est. Mortgage: $/month

MLS Number 1003029

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 2

Tucked away on a peaceful 2-acre parcel in the heart of Western NC, 97 Archer Drive captures the essence of classic mountain living. This charming 2-bedroom, 2-bath cottage offers the perfect blend of privacy, character, and natural beauty-ideal as a personal retreat or a short-term rental. A gentle creek borders the property, creating a soothing backdrop for mornings on the porch and cool mountain evenings under the stars. Surrounded by mature trees and native landscape, the setting feels both secluded and inviting. Inside, the home exudes warmth and authenticity, with beautifully aged, patinaed knotty pine walls that tell the story of a true mountain getaway. The cozy living spaces are filled with rustic charm, offering a timeless atmosphere that's increasingly hard to find. Whether you're looking for a quiet escape or a basecamp for exploring the mountains, this quintessential cottage delivers. This home has been completely remodeled over the last few years and meticulously cared for. Just a short 12 minute drive to Cashiers. 10 minutes to the Lake Glenville public landing.

Listed by Philip Bradley of Cashiers Valley Real Estate LLC

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$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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556 Shortoff Road Highlands NC 28741

Highlands, NC556 Shortoff Road

Price$495,000

Est. Mortgage: $/month

Active With Contract

MLS Number 1002514

  • Residential
  • Bedrooms 3
  • Bathroom 1
  • Acreage 0.41

Built in 1966 on the original caretaker's lot, this enchanting 3-bedroom, 1 bath hidden artist's haven is nestled in the peaceful Cold Springs community, just 4 miles from the charm of Main Street, Highlands and offers the perfect blend of inspiration and tranquility. Step inside to find refinished, narrow-planked hardwood floors that glow with warmth, setting the tone for a home that invites creativity, reflection, and escape. You will find a beautifully renovated kitchen with granite counter tops, modern tile back splash and new cabinets. In 2020, all the kitchen appliances were replaced with stainless steel refrigerator, dishwasher, microwave, and electric stove and there's a washer and dryer in a separate laundry/storage room. In 2002, lifetime vinyl windows were installed, inviting the mountain light to pour in while keeping the elements at bay. And a full bathroom remodel was done in 2020 with a granite countertop sink, vanity, shower/bath with frameless glass sliding doors, and tile flooring. The two car garage is spacious and is wired for 220 voltage, enough power for an artist's studio or workshop. Enhancing the feel of quiet enchantment are the tall rhododendrons that offer seclusion and privacy, and a pollinating garden landscaped along the fence that frames the yard. Whether you're sipping coffee as the morning mist rises or watching horses run in the fenced pasture across the way, this sanctuary is ideal for painters, writers, and dreamers alike. Recently installed fiber optic internet, and a Generac generator ready for any season, this mountain retreat offers both serenity and reliability. The home is in a desired area of Highlands and is ideal as a vacation rental, investment opportunity, or first home. It is nestled behind a lush wall of Rhododendron making for private, peaceful sanctuary and the level, circular driveway makes for easy access, year-round. Over the years, this home has been well-maintained. The well pump was replaced in 2005 on the shared well, as well as the LP gas furnace in 2009, ensuring warmth through crisp mountain winters. The home's solid metal roof was installed, and the interior was painted in 2014. The exterior was painted along with the installation of oversized gutters and guards to protect the home through all seasons in 2018. And the hot water heater was just replaced to ensure comfort well into the future.

Listed by Merritt Shaw of Mountain Life Real Estate,LLC

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$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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364 Shoe String Lane Glenville NC 28736

Glenville, NC364 Shoe String Lane

Price$489,000

Est. Mortgage: $/month

MLS Number 1003072

  • Residential
  • Bedrooms 2
  • Bathroom 3
  • Acreage 1

Tucked away in the popular Glenville area of Bee Tree. This view home is located in a low stress neighborhood convenient to Lake Glenville and Cashiers, NC. This 3 Bedroom, 2.5 Bath home has a large covered deck to enjoy the year round ridge line views and summer breezes. This home offers the possibility of 2 separate living spaces with private entries. Both feature their own stone wood burning fireplaces. Enjoy year round comfort with peace of mind with a metal roof, installed gas heater and recently added mini split. The lower level features a spacious laundry room and a storage room converted from a single car garage which has great potential as a workshop. Plenty of room to turn around in the large parking area with a detached 2 car carport ideal for storing an ATV or leaving behind a boat for weekend adventures. With cleared lots for pets, this generous one acre lot backs up to a large acreage tract. An affordable opportunity to get your foothold on the mountain and sit back and enjoy the view.

Listed by Michael Cox of Betsy Paul Properties,Inc.

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$
%
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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241 Lullwater Cove Cullowhee NC 28723

Cullowhee, NC241 Lullwater Cove

Price$489,000

Est. Mortgage: $/month

Pending

MLS Number 1003304

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 2.02

Imagine waking up each day surrounded by the beauty of the Blue Ridge Mountains, where cool mountain air, peaceful scenery, and the sounds of nature create the perfect escape from everyday life. Just a short drive from the heart of Cashiers, with its charming shops, local dining, and entertainment, this inviting 2-bedroom, 2-full bath mountain retreat offers the ideal blend of comfort, privacy, and mountain charm. Whether you're searching for a personal vacation getaway, an income-producing rental, or a full-time residence, this property is ready to become your own mountain oasis. Inside, the warm and welcoming living room is anchored by a beautiful stone fireplace, creating the perfect setting for cozy evenings after a day of exploring the mountains. A dramatic wall of windows fills the space with natural light while framing the surrounding mountain views, bringing the beauty of the outdoors inside. The kitchen offers plenty of functionality with a spacious pantry and an adjoining laundry room that provides valuable extra storage space. The thoughtfully designed layout offers flexibility and comfort for both owners and guests. Upstairs, the loft-style bedroom features a private ensuite full bath and overlooks the picturesque scenery below, making it an ideal primary suite or peaceful guest retreat. On the main level, the second bedroom is conveniently located near the guest bathroom, complete with both a separate soaking tub and stand-up shower, perfect for unwinding after a long day in the mountains. Set on 2.02 private acres, the outdoor spaces are where this property truly shines. Follow the sounds of flowing water to your own private gazebo nestled beside a tranquil mountain stream, creating a setting that feels straight out of a storybook. Gather around the firepit with family and friends on cool mountain evenings, relax beneath the stars, or simply enjoy the peaceful sounds of the stream winding through the property. The owner has also installed a backup water system for added peace of mind, while a camper hookup with water, electric, and grey water sewer adds even more versatility for hosting guests or accommodating additional outdoor adventures. With ample parking including a covered carport and spacious driveway, there's plenty of room for guests to gather and make memories at your new mountain retreat.

Listed by Scott Turner of Keller Williams Great Smokies

$
$
%
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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233 Strawberry Hill Road Cullowhee NC 28723

MLS Number 1003427

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 1.12

This sweet, updated cottage is located just across the road from picturesque Lake Glenville, nestled in the well-established community of Strawberry Hill. From its expansive wraparound decks, you'll enjoy stunning mountain views that make every day feel like a retreat. Perfect as a lock-and-leave property, this home offers ease and peace of mind, whether you're coming for a weekend getaway or settling in for a longer stay. Inside, the interiors are light-filled and cheerful, with abundant windows and an open floor plan that invites effortless entertaining. Thoughtfully maintained, the home features numerous recent upgrades and updates throughout. With two bedrooms and two bathrooms, plus a charming bonus room, it's ideally suited as a vacation getaway or a comfortable year-round residence. Conveniently close to Lake Glenville's recreational opportunities and just minutes from the vibrant village of Cashiers, you'll have easy access to shopping, dining, and local events, making this cottage a true mountain gem.

Listed by Merry Soellner of Cashiers Sotheby's International Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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224 Concord Lane Tuckasegee NC 28783

Tuckasegee, NC224 Concord Lane

Price$479,900

Est. Mortgage: $/month

MLS Number 1000693

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Acreage 1.24

Are you the mountain lover that does not want typical log cabin? Come see this more traditional style home nestled in the forest just minutes from 4 smaller lakes, called the 4 Hidden Gems! Enjoy the serenity of the forest with birds chirping, feel the breeze, and become one with nature on the wrap-around porches. Newly renovated kitchen with upgraded appliances, center pre-distressed Butcher Block island and breakfast nook with Bay window, large living area, and traditional dining room. Large primary ensuite and other bedrooms upstairs, perfect for the growing family. Downstairs are the original hardwood floors, upstairs, floors were replaced with LVP. Enjoy the wrap-around covered porch with built-in gazebo. A beautiful fire pit with a FLAT yard for entertaining or for the kids to play. Restaurants, breweries, shopping, and much more in either direction to Cashiers or Sylva. Don't miss this opportunity to live in complete privacy in the NC Mountains!

Listed by Bernie Gilchrist of Sundog Realty

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$
%
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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58 Osage Lane Scaly Mountain NC 28775

Scaly Mountain, NC58 Osage Lane

Price$475,000

Est. Mortgage: $/month

MLS Number 1003472

  • Residential
  • Bedrooms 2
  • Bathroom 3
  • Acreage 1.2

Immaculate two bedroom, three bath home in Osage Estates a gated community with on 1.2 acres. Main level has open kitchen/dining, living room with vaulted ceiling, electric fireplace (has gas line so can be converted back to gas) Bedroom and full bath. Upper level has large bedroom, full bath and office space. Downstairs is a full woodworking shop, full bath and single car garage. Paved parking covered and open decks, and separate storage shed. Furnishings negotiable $475000.

Listed by Debra Coffeen of Country Club Properties - Main

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$
%
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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142 Whitewater Road Sapphire NC 28774

Sapphire, NC142 Whitewater Road

Price$469,000

Est. Mortgage: $/month

MLS Number 1000288

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 2.35

Two homes here and a vacant lot make up 2.35 acres along Hwy 281 S with 540' of road frontage! Over the years the homes have been used for commercial and residential use. The future possibilities are endless for the new owners to decide. Small cabin is 1 bed/2 bath, larger cabin is 2 bed/1 bath with a large covered front porch and carport. To the left of the small cabin is a .45 acre vacant lot that can be developed. The location for this parcel is key, only about 1 mile to Gorges State Park and just up the road from a convenient store with a restaurant. Only a short distance to Brevard and Cashiers, this property is located between both. Again, the possibilities of this property are endless so make an appointment today to see it.

Listed by Cynthia Petit of Petit Properties

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$
%
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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227 Lullwater Cove Cullowhee NC 28723

Cullowhee, NC227 Lullwater Cove

Price$469,000

Est. Mortgage: $/month

MLS Number 1003303

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 1.5

Tucked away in the heart of the Blue Ridge Mountains, just a short drive from the vibrant village of Cashiers, this charming A-frame cabin invites you to slow down, unwind, and embrace mountain living at its finest. Whether you're searching for a peaceful vacation retreat, a rental opportunity, or a cozy full-time residence, this 2-bedroom, 1-bath mountain getaway offers endless possibilities wrapped in warmth and character. Inside, the inviting living room is anchored by an expansive stone fireplace and framed by picturesque windows that fill the space with natural light and beautiful wooded mountain views. Imagine gathering with family and friends on cool mountain evenings, curled up fireside while watching the seasons change just beyond the glass. The kitchen offers generous cabinet storage and a breakfast bar perfect for casual mornings, shared meals, and conversation, while the adjoining dining area provides yet another spot to take in the surrounding scenery. Thoughtful details throughout the home create a true sense of mountain charm, from the wide plank wood floors and cozy carpeted bedrooms to the rustic architectural touches that make this cabin feel instantly welcoming. The main-level bedroom offers direct access to the expansive wraparound deck, making it an ideal primary suite or guest retreat. Upstairs, the loft-style second bedroom overlooks the dramatic wall of windows below, creating a peaceful hideaway nestled among the treetops. Step outside and discover the lifestyle that makes mountain living so special. The nearly level yard provides plenty of space for gardening, outdoor entertaining, or creating your own private backyard oasis. A small stream passes by just steps away from back stairs. A garage with workshop space offers room for hobbies, storage, or weekend projects. Spend your mornings sipping coffee on the wraparound deck as birds sing through the trees, and your evenings listening to peepers echo through the mountains while fireflies dance across the night sky. This is more than a cabin, it's a place to make memories, reconnect with nature, and experience the magic of the mountains year-round.

Listed by Scott Turner of Keller Williams Great Smokies

$
$
%
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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1514 W Christy Trail Sapphire NC 28774

Sapphire, NC1514 W Christy Trail

Price$460,000

Est. Mortgage: $/month

MLS Number 1002414

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 0.75

Enjoy a private 0.75-acre setting with the year-round sounds of Little Hogback Creek. This three-bedroom, two-bathroom home in Holly Forest offers a peaceful, wooded backdrop with winter mountain views and the opportunity to create an ideal mountain getaway with thoughtful updates. Outdoor spaces include a screened porch, a spacious open deck, a sitting area midway between the home and the creek, and a creekside gathering area, all designed to support relaxed outdoor living. Ownership includes access to Sapphire Valley Resort amenities, including heated pools, tennis courts, pickleball courts, a fitness center, a dog park, mini-golf facilities, a nine-hole golf course, and Fairfield Lake for swimming and boating. Winter fun abounds with skiing, snow tubing, and snowboarding. Just minutes from Cashiers' charming shops and dining, while the scenic town of Highlands is a short drive away, Sapphire offers the perfect blend of adventure, leisure, and convenience.

Listed by Bonnie Sherman of Silver Creek Real Estate Group,Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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563 Parachute Ridge Glenville NC 28736

Glenville, NC563 Parachute Ridge

Price$449,900

Est. Mortgage: $/month

MLS Number 1003108

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 2.86

This tastefully updated two bedroom , two bath cabin is located in the Pilot Mountain gated community less than 15 minutes to Lake Glenville . Offering gorgeous year round long range mountain views . This 2.86 (+/-) acre lot also features a two car heated detached garage. Get that mountain retreat feel while also being close to all the amenities the plateau has to offer.

Listed by Jake Cox of JC Real Estate and Property Management

$
$
%
$/month over payments
Federal 30-year interest rate: 6.47% last updated on Jun 18, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

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 "Based on information submitted to HCBOR as of June 23, 2026 10:13 AM UTC. All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."