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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939 Browns Mountain Road Scaly Mountain NC 28775

MLS Number 1003740

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 2.79

Breathtaking long-range mountain views await at 939 Brown Mountain! This rustic 3BR/2BA Scaly Mountain cabin offers the quintessential Blue Ridge retreat. The main upper level features an open living room with a cozy fireplace, hardwood floors, kitchen, primary suite, and a massive covered deck perfect for entertaining. The lower level adds a large recreation room, two guest bedrooms, laundry, and a second full-length deck. Nestled in a private wooded setting with a detached storage shed, this mountain gem is just minutes from Highlands, NC. Perfect full-time home, weekend getaway, or rental investment!

Listed by Nate Conkling of Poss Realty Group - Clayton

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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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141 Andrews Park Road Cullowhee NC 28723

Cullowhee, NC141 Andrews Park Road

Price$449,500

Est. Mortgage: $/month

MLS Number 1003671

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Acreage 1.45

Charming White Cottage with Lake Views & Expansion Potential - Glenville, NC Updated paint and floors as of July 2026! This beautifully maintained 3-bedroom, 3-bathroom cottage sits on 1.45 picturesque acres and offers the perfect blend of charm, comfort, and opportunity. Located just 15 minutes to Cashiers and 25 minutes to Highlands, you're also close to Happs Restaurant, Signal Ridge Marina, and the public boat ramp at Lake Glenville-making this a perfect spot for lake lovers and mountain adventurers alike. Enjoy serene winter lake views and easy summer lake access, just a short walk away at Andrews Park. Start your mornings with a cup of coffee on the covered front porch, listening to the birds sing, or unwind in the evening with a glass of wine, taking in the peaceful lake views and the vibrant colors of spring blossoms. Inside, you'll find hardwood floors, built-in bookcases, and spacious walk-in closets. The primary suite is a true retreat, featuring lake-facing windows, a soaking tub, and a separate shower. The expansive attic spans the entire home, offering ample storage. The beautifully landscaped property blooms year after year with hydrangeas, tulips, forsythia, azaleas, baby's breath, and dogwood trees. Plus, with a septic system built for two homes (6 bedrooms total), there's incredible potential for expansion-plans are already in place for an additional build! Whether you're searching for a family home or a rental investment, this property is a rare gem. Don't miss the chance to own a slice of tranquility with lake access, stunning scenery, and endless possibilities!

Listed by Cristina Vives of Berkshire Hathaway HomeServices Meadows Mountain Realty, Faye Wurm of Berkshire Hathaway HomeServices Meadows Mountain Realty - HF

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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$449,000

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

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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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1135 Daves Creek Road Franklin NC 28734

Franklin, NC1135 Daves Creek Road

Price$449,000

Est. Mortgage: $/month

MLS Number 1003975

  • Residential
  • Bedrooms 2
  • Bathroom 3
  • Acreage 4.1

Fantastic mountain views, privacy & over 4 acres adjoining United States Forest Service land make this Burningtown Lakes property something special! Relax on the porch with your morning coffee while enjoying beautiful sunrise views across the mountains. Inside, generous rooms & abundant natural light create a comfortable, open feeling, while both oversized main-level bedrooms offer easy access to the outdoor patios. The attached upper carport provides convenient level entry without stairs. Downstairs, a huge game room with a full bath & private outside entrance offers flexible space for guests, hobbies, a home office or future studio-style retreat. Two separate lower-level garages provide plenty of room for vehicles, a workshop & mountain gear, plus there is space for RV parking. Lovingly maintained by the same owner for more than 30 years, this spacious home is ready for its next owner to make it their own. If you're searching for privacy, acreage, beautiful views & National Forest right outside your door, this is one you need to see!

Listed by Sheila Myers of The Village Realty Group of Highlands-Cashiers

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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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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. For full time residents, the home may qualify for 100% financing. The listing agent can refer you to multiple lenders who are offering this option.

Listed by Philip Bradley of Cashiers Valley Real Estate LLC

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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$420,000

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: 6.65% last updated on Aug 20, 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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7219 Dillard Road Scaly Mountain NC 28775

Scaly Mountain, NC7219 Dillard Road

Price$415,000

Est. Mortgage: $/month

Active With Contract

MLS Number 1003799

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 2.6

Lovingly cared for by the same family since it was built, this charming mountain home sits on 2.6 beautifully maintained acres, offering a park-like setting with expansive front and side lawns framed by mature hardwoods. The usable landscape is perfect for gardening, outdoor entertaining, dogs or children at play, or simply enjoying the peaceful mountain surroundings. Inside, you'll find three bedrooms and two baths designed for comfortable everyday living. A covered carport and generous additional driveway parking make the property equally well-suited as a full-time residence, weekend retreat, investment property, or short-term rental. Ideally located on the Atlanta side of Highlands, this home offers the perfect balance of convenience and mountain living. Spend your days exploring scenic hiking trails, casting a line in nearby trout streams, dining at renowned local restaurants, or discovering the countless outdoor adventures that make Western North Carolina and Northeast Georgia so special. Then return home to the peace, privacy, and timeless charm of 7219 Dillard Road. Nestled in the welcoming mountain community of Scaly Mountain, where elevations approach 4,000 feet, you'll enjoy cool summer temperatures, sweeping mountain vistas, and a pace of life that invites you to slow down.

Listed by Nancy Thorpe of Highlands Sotheby's International Realty - DT

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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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$399,999

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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$
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$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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$399,000

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

$
$
%
$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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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231 Cedar Creek Farm Road Tuckasegee NC 28783
Active With Contract

MLS Number 1003712

  • Residential
  • Bedrooms 2
  • Bathroom 3
  • Square Feet 1,722
  • Acreage 2.67

Tucked away in a private setting, this inviting 2-bedroom, 2.5-bath home sits on 2.67 usable acres with a peaceful creek, light HOA restrictions, and room for farm animals. Complete with a peaceful creek, you'll enjoy the serenity of country living while having plenty of space to relax, entertain, and explore. Enjoy the serenity of country living just 10 minutes from Western Carolina University, offering the perfect balance of privacy and convenience. Inside, the open floor plan and main-level living create an easy flow for everyday living and entertaining. The spacious kitchen includes a walk-in pantry, and the separate laundry room adds convenience. A cozy woodstove brings warmth and charm. The finished daylight basement expands your living space with a bonus room, abundant storage, and walk-out access, offering flexibility for a rec room, office, guest space, or hobby area. Outside, you'll find ample parking, an attached garage, and a gazebo overlooking the creek-an ideal place to relax and enjoy the peaceful surroundings. Whether you're looking for a full-time residence or a private mtn retreat, this property offers the space, privacy, and versatility you've been searching for.

Listed by Alena Melton of Sundog Realty

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$
%
$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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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230 Tangleroot Road Lake Toxaway NC 28747

Lake Toxaway, NC230 Tangleroot Road

Price$399,000

Est. Mortgage: $/month

MLS Number 1003622

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 0.8

Welcome to Bearfoot Cabin, a charming mountain retreat perched atop a peaceful, wooded hillside above the West Fork of the French Broad River. The property is expected to convey with a newly surveyed homesite of approximately 0.80 acre or more, with the seller anticipating the final lot size to be nearly one acre. The generous homesite offers a wonderful sense of privacy and room to enjoy the surrounding natural beauty. Across the river lies more than 1,930 acres of protected National Forest land, helping preserve the area's natural beauty and enhancing the sense of seclusion. A convenient circular driveway provides easy access and ample parking. Relax on the covered back porch with space for outdoor dining, gather around the backyard fire pit on cool mountain evenings, and enjoy the convenience of an outdoor hot/cold shower, which is currently being completed. Inside, the cabin features a warm and inviting floor plan with an open living area filled with natural light. The kitchen offers ample cabinetry and workspace for preparing meals, while the primary bedroom provides a peaceful place to unwind. A second room is ideal for a home office, dressing room, or flexible bonus space to suit a variety of needs. Additional improvements include an encapsulated crawl space equipped with a dehumidifier, providing added protection and peace of mind. A washer and dryer are conveniently located inside the cabin. High-speed Wi-Fi is available throughout the home, making it easy to stay connected while enjoying this mountain retreat. Centrally located between the Lake Toxaway and Brevard areas, Bearfoot Cabin offers convenient access to some of Western North Carolina's most celebrated outdoor destinations, including Pisgah National Forest, Gorges State Park, and numerous hiking trails, waterfalls, rivers, and recreational opportunities. Whether you're looking for a full-time residence, weekend getaway, or investment property, this mountain retreat offers the perfect balance of privacy, comfort, and accessibility.

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

$
$
%
$/month over payments
Federal 30-year interest rate: 6.65% last updated on Aug 20, 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 August 24, 2026 7:13 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."