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.

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66 Jones Hollow Road Cullowhee NC 28723

Cullowhee, NC66 Jones Hollow Road

Price$445,000

Est. Mortgage: $/month

MLS Number 1002925

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 1.81

Tucked away in the peaceful mountains just minutes from Cashiers, this charming 3-bedroom, 2-bath retreat offers the kind of privacy that's increasingly hard to find. Set in the woods along a mountain stream, the property invites you to slow down and enjoy the simple beauty of mountain living. Expansive porch space creates the perfect setting to unwind with family, friends and neighbors-ideal for morning coffee or evening gatherings. The home sits on a rare, usable parcel with a fairly flat yard, offering excellent space for gardening, outdoor entertaining, or simply enjoying the natural surroundings. Inside, the home is warm and inviting, making it a perfect starter mountain getaway or full-time residence. This home has a roof and HVAC system installed 5 years ago. Its location combines seclusion with convenience-just a short drive to Cashiers' shopping, dining, and amenities, as well as close proximity to hiking trails, stunning waterfalls, and Lake Glenville for boating and recreation. With the added benefit of short-term rental potential, this property offers both a personal escape and an investment opportunity. Whether you're looking for a quiet retreat or a basecamp for all that Western North Carolina has to offer, 66 Jones Hollow Road delivers comfort, charm, and unmatched tranquility.

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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96 Meadow Ridge Court Tuckasegee NC 28783

Tuckasegee, NC96 Meadow Ridge Court

Price$439,000

Est. Mortgage: $/month

MLS Number 1001898

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 0.69

Tucked at the end of a quiet street beside a tranquil mountain creek, this single-level three-bedroom home offers privacy, comfort, and access to the exceptional amenities of Bear Lake Reserve. Designed for relaxed living and effortless entertaining, the residence combines timeless mountain charm with thoughtful upgrades, ensuring peace of mind and modern convenience. Inside, soaring cathedral ceilings and a handsome stone fireplace anchor an open-concept living area that flows seamlessly into the dining and kitchen areas, making the home ideal for all kinds of gatherings. The kitchen is both functional and beautiful with granite countertops and a breakfast bar overlooking the great room - perfect for casual meals and conversations with family or guests. Each of the three bedrooms offers comfort and privacy, with the primary suite serving as a welcoming haven after a day of exploring the mountains. Outside, a screened porch with a wood-burning fireplace provides a cozy retreat on cool evenings, while the open-air deck is a perfect spot for enjoying sunny afternoons, dining alfresco, or stargazing under clear Carolina skies. The nearby gentle creek creates a soothing natural backdrop to the tranquil setting. Updates over the past 3 years include a new roof, an HVAC system, a water heater, and a washer/dryer, ensuring the home is ready for years of enjoyment. Just steps from the front door is the starting point for one of Bear Lake Reserve's many hiking trails, leading deeper into the natural beauty of the Blue Ridge Mountains. Ownership at Bear Lake Reserve offers an unparalleled lifestyle, including access to a Jack Nicklaus golf course, a state-of-the-art fitness center, a swimming pool, tennis and pickleball courts, and a marina. A vibrant calendar of community events provides opportunities to connect with neighbors and build lasting memories. From outdoor adventure and wellness to simply unwinding in a luxurious mountain setting, Bear Lake Reserve offers something for all tastes and interests. Discover a home that balances mountain serenity with resort-style living. Virtually staged photos are included to showcase the potential of the property.

Listed by Chris Duffy of Silver Creek Real Estate Group - H

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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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205 Blue Stone Trail Glenville NC 28736

Glenville, NC205 Blue Stone Trail

Price$435,000

Est. Mortgage: $/month

MLS Number 1002928

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.35

Privately situated at the top of Blue Stone Trail overlooking the peaks and valleys of Christmas tree farms all around. Every sunrise arrives differently as the seasons turn, best appreciated from the rocking chair front porch or through the floor-to-ceiling windows that draw the landscape directly into the living area. Tongue-and-groove vaulted ceilings, rich wood floors, and a large stone fireplace anchor the interior, while the open floor plan keeps the atmosphere light and easy throughout. The primary suite features a walk-in glass shower, and the guest suite offers a full tub and shower combination. Mossy Hill's grounds are as considered as the interior - beautifully landscaped garden beds with roses, rhododendrons, azaleas, hostas, and boxwoods surround the home, joined by a crab apple tree and plum tree just below. Generous outdoor space for recreation rounds out a property that functions as well as it feels. Happ's Place is five minutes away, and The Local - along with the nearest market and gas station - is seven minutes out. Downtown Cashiers is within ten minutes. Just beyond that same stretch of highway, High Falls Trail leads to a series of waterfalls through some of the most scenic terrain the Plateau has to offer. Offered turnkey and fully furnished.

Listed by Julia Banner 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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1752 Black Oak Drive Sapphire NC 28774

Sapphire, NC1752 Black Oak Drive

Price$432,000

Est. Mortgage: $/month

MLS Number 1003084

  • Residential
  • Bedrooms 2
  • Bathroom 3
  • Acreage 1

There is a peace that comes from knowing exactly where you are in the world. This 2-bedroom, 2.5-bath home in the coveted Holly Forest community offers just that: a secluded retreat perched on a shaded ridge where the noise of everyday life doesn't reach, with all SVMA amenities. Inside, an updated kitchen with granite countertops and grand living room with vaulted ceilings anchor the main space. Every room, including a spacious primary bedroom, has been thoughtfully updated, creating a welcoming canvas for someone new to make their own. A garage and large downstairs bonus area round out the interior. The steep concrete driveway, coarse-cut for traction in every season, has never frozen over in the current owner's 9 years of mountain winters, offering both access and a quiet sense of security. Amenities round out the lifestyle: pool, fitness center, par-3 golf course, and private lake access. A large deck off the front and fireplace area from the back offer great outdoor relaxation. Whether you're looking for a full-time sanctuary, a mountain escape for two, or a turnkey rental investment in one of Western NC's most sought-after communities, this home is ready for you.

Listed by Jeffrey Kahn 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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29 Bert Waldroop Road Franklin NC 28734

Franklin, NC29 Bert Waldroop Road

Price$425,000

Est. Mortgage: $/month

MLS Number 1003258

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 3.19

Enjoy year-round long-range mountain views from this well-maintained 2 BR property offering 3.19 usable acres with farm-ready potential. Recent improvements include a professionally installed new water line, whole-house iron infiltration system, water heater, updated electrical, hardwood flooring and stainless steel appliances. Lower level includes a workshop area, storage room , bonus room and half-bath. A detached studio shed features heat, A/C, beadboard walls, and wireless internet - ideal for a home office, hobby space or additional flex use. Outdoor features include fenced pasture, dog park and circular drive. A unique mountain property with functional upgrades and versatile outdoor space - lovingly maintained by the current owners. Just a short distance from town and easily accessible by state maintained paved road.

Listed by Tommy Jenkins of Highlands Sotheby's International Realty - DT

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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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115 Juniper Court Sapphire NC 28774

Sapphire, NC115 Juniper Court

Price$399,999

Est. Mortgage: $/month

MLS Number 1003008

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.74

Move-in ready and offered fully furnished, this inviting single-level mountain retreat is your gateway to effortless living in Sapphire Valley. Whether you're seeking a full-time residence, a peaceful getaway, or a short-term rental investment, this home delivers versatility, comfort, and timeless appeal. Ideally located just minutes from the heart of Cashiers, you'll enjoy convenient access to local dining, boutique shopping, and entertainment, all while being surrounded by the serene beauty of the Blue Ridge Mountains. Inside, an open-concept layout creates a warm and welcoming atmosphere designed for both relaxation and entertaining. The cozy living room, anchored by a wood-burning fireplace, offers the perfect setting for crisp mountain evenings, while sliding glass doors open to a spacious back deck, ideal for morning coffee or unwinding in the fresh mountain air. The home features two generously sized bedrooms and two full bathrooms. The guest bedroom offers direct deck access and connects to a full bath, while the private primary suite includes a large closet and an ensuite bath, creating a comfortable and secluded retreat. A detached two-car garage provides added convenience and ample storage space for vehicles, outdoor gear, and all the essentials for mountain living. Ownership includes membership with the Sapphire Valley Master Association, granting access to an impressive array of resort-style amenities. Enjoy scenic walking trails, Fairfield Lake, tennis and racquetball courts, indoor and outdoor pools, and the Red Bird Golf Course. In the winter months, take advantage of skiing and snowboarding at Ski Sapphire Valley. Blending comfort, convenience, and year-round recreation, this charming home offers the perfect opportunity to embrace the mountain lifestyle.

Listed by Nicole Ernst and Sarah Strawn of Keller Williams Great Smokies

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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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78 Highland Drive Lake Toxaway NC 28747

Lake Toxaway, NC78 Highland Drive

Price$399,000

Est. Mortgage: $/month

MLS Number 1003090

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Acreage 1.91

Welcome to this inviting 3 bedroom, 2.5 bath home located in the desirable Rocky Mountain Estates. Perfectly positioned in the heart of lake Toxaway, this property offers wide open and long range year round views of the breathtaking Blue Ridge Mountains right from your back deck. Step inside to a comfortable and functional layout designed for everyday living and relaxing mountain getaways. The features include a bright living area, spacious bedrooms, and a welcoming atmosphere that makes it easy to unwind and enjoy the natural beauty surrounding you. The full basement with garage provides excellent storage, recreation room, workshop potential, or room to expand ideal for full time living, a second home or investment property. Enjoy cool mountain breezes, stunning sunsets, and the tranquility that comes with life in Western North Carolina, all while being just minutes from outdoor recreation, hiking and the natural beauty that defines the Pisgah National Forest and Gorges State Park.

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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82 Village Way Sapphire NC 28774

Sapphire, NC82 Village Way

Price$398,500

Est. Mortgage: $/month

MLS Number 1003146

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 0.71

Welcome home to this charming and move-in-ready, mostly furnished (with a few exclusions), three-bedroom, two-bathroom, one-level mountain cabin offering the perfect blend of comfort, character, and serene Blue Ridge living. Surrounded by lush native flora, brilliant seasonal gardens, winding stone paths, a bird bath, and towering trees, the property evokes a peaceful tree-house setting with beautiful fall and winter views of Hogback Mountain. Rich knotty pine walls and ceilings throughout create an inviting rustic ambiance, while abundant windows and sliding glass doors fill the home with natural light and bring the outdoors in from nearly every room. An electric fireplace framed by a Vermont-style hearth creates a cozy focal point in the warm and inviting living area, which flows seamlessly to the screened-in porch, open decks, and multiple outdoor gathering spaces designed to enjoy cool mountain temperatures and peaceful wooded surroundings year-round. The thoughtfully designed firepit area, with Adirondack seating, a swing, a picnic area, and soft lighting, creates a magical setting for entertaining, relaxing, and enjoying evenings under the stars. The primary suite offers brilliant outdoor views of nature, while the second bedroom is comfortably furnished with twin beds. A third multi-purpose flex space currently serves a variety of needs and can easily function as an additional sleeping area, office, hobby room, or guest retreat. Beautifully furnished and lovingly maintained by long-term owners, the cabin also offers updated kitchen and bathroom finishes, abundant storage, a carport, a work shed, and numerous system and property improvements providing true move-in-ready convenience. Ideal as a primary residence, mountain getaway, vacation rental opportunity, or investment property. Conveniently located just 45 minutes from Asheville Regional Airport and close to Brevard, Lake Toxaway, and Cashiers, with endless nearby waterfalls, hiking, outdoor recreation, and an exceptional variety of local restaurants and mountain activities. Decades of cherished memories have been created here, and the owners are ready to pass along the comfort, beauty, and serenity of this special mountain retreat to the next fortunate homeowners lucky enough to call this cabin home.

Listed by Bambi Famous Kaine 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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65 Poppy Lane Cullowhee NC 28723

Cullowhee, NC65 Poppy Lane

Price$395,000

Est. Mortgage: $/month

MLS Number 1003362

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Acreage 0.62

Walk to the beautiful campus of Western Carolina University from this easily accessible, single level home that has been completely remodeled, inside and out, in the last three years. New roof, gutters, and leaf guards. Front and rear decks rebuilt and re-stained. Bathrooms rebuild from the studs. New kitchen countertops, paint, and all light fixtures. Electrical panel replaced with a 200-amp service and a whole house surge protector installed. Highly efficient Bosch heat pump. Outbuildings painted and reroofed, landscaping updated, old trees removed, and a new front door. Nice flat yards, front and back, paved all the way to the oversized carport, move in ready, great location!

Listed by Mark Brooks of Sundog Realty

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$
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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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379 Great Falls Drive Glenville NC 28736

Glenville, NC379 Great Falls Drive

Price$395,000

Est. Mortgage: $/month

MLS Number 1003491

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 4.01

Located in the gated community of Laurel Falls, this charming, quintessential log cabin sits on a private and serene parcel - approximately 4 acres - where the only sound is the wind through the trees. The privacy ensures no neighbors in view. The cabin offers two bedrooms and one bathroom with an open floor plan connecting the kitchen, dining, and living areas. There is, of course, the traditional wood-burning fireplace for those cooler evenings - the property sits at 3,900-plus feet, where temperatures can range 15-20 degrees cooler than the surrounding lowland states. The gentle topography offers plenty of room for outdoor activities. The property sits close to the 6,300-acre Panthertown Valley national forest for hiking and other outdoor activities, and it's an easy drive to Lake Glenville - the highest-elevation lake east of the Mississippi - for a day of boating and exploring the lake's waterfalls. Additional storage sheds serve miscellaneous needs, along with plenty of room for future home expansion if desired.

Listed by Rob Whitney of Silver Creek Real Estate Group - LG

$
$
%
$/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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298 Timbuktu Sylva NC 28779

Sylva, NC298 Timbuktu

Price$389,900

Est. Mortgage: $/month

MLS Number 1003161

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 1.14

Public Remarks If it is a 3/2 cabin with a spacious deck and main living that overlooks the mountains with lots of privacy is what you desire, then look no further. This home is calling your name. There are so many flexible areas in this home, you almost feel like there are two homes in one. On the main level, sit in your attached sunroom and look out at the mountains through the large picture window. The pass-through garage has been sealed and repainted. It allows you to bring all your landscaping through it for easy access to a great, sunny area for your gardens thanks to the immense landscaping just completed. The lower part of the yard is screaming for a large firepit area or outbuilding. With easy access to Dillsboro, Sylva, Franklin, Cherokee, and Bryson City, and all the fun they offer, this home is perfect for those who like to explore Western North Carolina or want easy access to Western Carolina University. The young or young at heart will enjoy the Savannah Community Park with its playground, walking path, and covered picnic area along the creek. Make this updated home, thanks to the extensive improvements, your own!

Listed by Shelly White of Sundog Realty

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$
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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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30 Wild Hog Trail Highlands NC 28741

Highlands, NC30 Wild Hog Trail

Price$385,000

Est. Mortgage: $/month

Pending

MLS Number 1003276

  • Residential
  • Bedrooms 1
  • Bathroom 1
  • Acreage 0.94

Long before “tiny homes” became a movement, 30 Wild Hog Trail embraced the idea that less space can mean more life. Tucked into the woods of Highlands, this thoughtfully scaled mountain cabin captures what today's buyers are searching for: simplicity, efficiency, authenticity, and a deeper connection to nature. At approximately 739 square feet, the home proves that great design is not about size - it is about atmosphere, comfort, and experience. Built in 1999, years before compact living became mainstream, the cabin anticipated many of the qualities now driving the modern tiny-home and micro-retreat movement: Efficient use of space Minimal maintenance living Indoor-outdoor connection Rustic-modern mountain character Privacy without isolation A smaller footprint with a larger lifestyle Set on nearly an acre of wooded land, the property offers the kind of natural setting that has made Western North Carolina cabins highly desirable among today's buyers seeking wellness, retreat, and escape from urban life. The cottage-style architecture, stone fireplace, and intimate scale create an experience that feels intentional rather than small. Modern buyers increasingly value homes that feel curated, calming, and connected to their surroundings - especially in sought-after mountain communities like Highlands.

Listed by Linda Conley of Howard Hanna Allen Tate - Wildcat Cliffs

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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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 "Based on information submitted to HCBOR as of June 23, 2026 12:13 PM 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."