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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30 Ideal Acres Road Otto NC 28763

Otto, NC30 Ideal Acres Road

Price$374,900

Est. Mortgage: $/month

MLS Number 1003270

  • Residential
  • Bedrooms 4
  • Bathroom 4
  • Acreage 1.04

Tucked away in a peaceful mountain setting, this newly renovated 4-bedroom, 2-bath log cabin blends rustic charm with modern comfort. Filled with natural light, the open and inviting interior features a spacious main-level primary suite complete with a private ensuite bath and large walk-in shower. The main level also features an additional bedroom and separate bath. Upstairs, you'll find two additional bedrooms and a full bath, offering plenty of space for family and guests. Step outside to the covered porch, the perfect place to relax and take in the serene farm-like views and cool mountain air. Whether you're looking for a full-time residence, weekend getaway, or investment opportunity, this charming cabin is ready to welcome you home. Don't miss your chance to experience mountain living at its best!

Listed by Chip Durpo of Durpo Realty Associates

$
$
%
$/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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11 Clearview Lane Highlands NC 28741

Highlands, NC11 Clearview Lane

Price$374,900

Est. Mortgage: $/month

Pending

MLS Number 1002815

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.28

Nestled in the heart of the Blue Ridge Mountains in Highlands, North Carolina, this versatile mountain home offers the perfect blend of cozy living and modern convenience. Surrounded by the stunning Blue Ridge Mountains and just minutes from vibrant downtown Highlands with its renowned restaurants, art galleries, shops, and cultural attractions, this residence provides easy access to everything Highlands has to offer while maintaining a peaceful, private retreat. Amazing wildlife, 1st house in this village, minutes away from town, yet not in town, immediate access to back road that enables you to arrive in Georgia and South Carolina quickly. Step onto the expansive exterior porch and large rear deck, an inviting space for morning coffee, evening relaxation, or entertaining friends amid the high-elevation air. The home also features two lower level porches and a spacious shed. Outside, the private, shaded backyard offers a tranquil escape that is perfect for gardening, outdoor play, or simply unwinding in the cool mountain shade. Inside, the home greets you with beautiful wood finishes throughout the living area. The open-concept design creates a seamless flow between the living room, dining area, and kitchen making family gatherings or entertaining simple. The well-appointed kitchen features a central island and breakfast bar. Two cozy fireplaces add warmth and ambiance: one in the main living area for relaxed evenings, with a second in a downstairs Office/Guest Overflow room, creating a serene retreat for guests. Flexible living space abounds with bonus rooms that can easily adapt to your lifestyle as a kids' playroom, a quiet home office, a home theater for movie nights, or ample storage.  A lot of space the house has a total amount of interior space of 2304 square feet (as added/seen on the attached Macon County Tax Card). The lower level offers even more versatility and could potentially be converted into a separate living unit with the addition of a kitchen. A fully covered carport accessible via a new concrete driveway parks up to four vehicles. With two levels, abundant natural light, prime location close to Highlands' charming downtown, and no short-term rental restrictions, this home is an ideal full-time residence or mountain getaway. Whether you're seeking a year-round mountain lifestyle or a relaxing escape, this thoughtfully maintained home presents a rare opportunity to enjoy the best of North Carolina's Blue Ridge Mountains.

Listed by Chip Durpo of Durpo Realty Associates

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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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427 Mulberry Ridge Road Otto NC 28763

Otto, NC427 Mulberry Ridge Road

Price$369,000

Est. Mortgage: $/month

MLS Number 1003486

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Acreage 2.84

Some properties feel right the moment you arrive, and this one, tucked along a babbling creek, is one of them. Flat, usable acreage with a creek bordering the property is a rare find, and this 3-bedroom, 3-bath home delivers exactly that, along with a finished basement that's perfect for guests. Access couldn't be more convenient for a mountain property. One direction puts you out on Georgia Road in Otto, and the other takes you to Betty's Creek Road, bringing you into Dillard, Georgia. This could be a full-time home, a slow-down second home, or a vacation rental that practically books itself. With creek frontage, flat acreage, and a flexible floor plan, this home has great potential. Book a showing and see it for yourself!

Listed by Aliyah Lebron of Berkshire Hathaway HomeServices Meadows Mountain Realty - CA, John Muir of Berkshire Hathaway HomeServices Meadows Mountain Realty - HF

$
$
%
$/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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60 Bartram Trail Scaly Mountain NC 28775

Scaly Mountain, NC60 Bartram Trail

Price$359,000

Est. Mortgage: $/month

MLS Number 1000931

  • Residential
  • Bathroom 1
  • Acreage 0.08

Discover an exceptional opportunity to own a premium motorcoach lot in the heart of the Smoky Mountains, just minutes from Highlands, NC, and Sky Valley, GA. Nestled within the serene, gated 11.75-acre Wildflower Creek Luxury Motor Coach Resort, this private lot offers a true mountain retreat experience for Class-A motorcoach enthusiasts. Fronting a small creek and fully equipped with a concrete pad, power, water, septic, and storage- this site is ready for you to enjoy Adding to its charm is a well-appointed coach house that includes a laundry, bathroom, and covered porch-ideal for entertaining or simply relaxing in comfort. Wildflower Creek is more than just an RV resort-it's a thoughtfully designed mountain escape. Enjoy a range of amenities including a stocked trout pond, a certified trout stream, swimming hole, playground, putting green, nature area, and hiking trails. At the heart of the community sits a historic antique log cabin clubhouse with a stone fireplace, spacious indoor and outdoor gathering areas, and sweeping pond and mountain views. Whether you're looking for a seasonal getaway or a full-time residence, this property offers an unparalleled blend of natural beauty, privacy, and convenience. Enjoy the peace of mountain living while staying close to award-winning golf courses, fine dining, upscale shopping, spas, and the vibrant charm of downtown Highlands. This is your chance to own a private slice of mountain luxury-where nature, comfort, and community come together.

Listed by Judith Michaud of Berkshire Hathaway HomeServices Meadows Mountain Realty, Brooks Kittrell of Berkshire Hathaway HomeServices Meadows Mountain Realty - HF

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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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7 Grefe Road Scaly Mountain NC 28775

Scaly Mountain, NC7 Grefe Road

Price$350,000

Est. Mortgage: $/month

MLS Number 1002531

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 3.35

Calling all developers or entrepreneurs! Location! Location! Location! Unrestricted 3.35 acres convenient to both Highlands, NC and Dillard, GA. Highway frontage and an operating well in place with one small rental home (currently occupied). Preliminary site inspection shows the potential for at least 12 apartments or a combination of commercial residential development, maybe an RV park or a coffee shop, per current owner. This property has the potential for all your creative ideas! Located right across the street from all the fun attractions that Scaly Mountain has to offer (Highlands Outpost, Blue Hound BBQ, etc.). The possibilities with this property are endless. Buyer responsible for own due diligence. Schedule your showing today!

Listed by John Bynum of Berkshire Hathaway HomeServices Meadows Mountain Realty - HF

$
$
%
$/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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245 Locust Court Sapphire NC 28774

Sapphire, NC245 Locust Court

Price$350,000

Est. Mortgage: $/month

MLS Number 1003391

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.71

With a brand-new roof, freshly painted exterior, and newly enhanced rockwork creating an inviting outdoor patio space, this mountain retreat is packed with potential and priced to inspire opportunity. The sellers intentionally positioned this home to allow the next owner the freedom to add their own updates, personal style, and value-creating the perfect chance to step into instant equity. Whether you envision a profitable short-term rental, long-term investment property, or your own private getaway, this home offers the ideal combination of location, layout, and affordability. Tucked away on a private lot with an attached two-car garage and lower-level space ready for your ideas, the possibilities are endless for transforming this property into something truly special. Ownership includes access to the sought-after Sapphire Valley amenities, featuring an indoor pool, three outdoor pools, fitness center, walking track, playground, miniature golf, and a premier tennis facility with 14 courts. Residents also enjoy private access to the stunning 77-acre Lake Fairfield for swimming, fishing, canoeing, and paddle boating. Finding this much potential, privacy, and value in this price range is rare. With strong vacation rental possibilities and the added advantage of seller financing available, this is an exceptional opportunity to create your ideal mountain investment or personal retreat.

Listed by Susan Mills 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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26 Cumberland Drive Lake Toxaway NC 28747

Lake Toxaway, NC26 Cumberland Drive

Price$349,000

Est. Mortgage: $/month

MLS Number 1002898

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.08

Welcome to this 2023 park model home located in the highly sought-after Westridge neighborhood. This fully furnished(few exceptions) retreat offers a perfect blend of comfort, style, and functionality making it an ideal short-term rental investment or a luxurious personal getaway. Vaulted ceilings that carry seamlessly from the living area onto the charming front porch, creating an open and airy ambiance. Spacious loft bedroom, a modern full bath, and a bright living room centered around a cozy gas fireplace.The kitchen is a chef's dream, featuring sleek stainless steel appliances, ample counter space, and custom built-in storage throughout the home, offering both convenience and elegance. Out back,enjoy a generous private deck, perfect for entertaining or relaxing while taking in the serene surroundings. Below,a versatile guest bedroom/full bath & garage provide extra space for visitors, storage, or even a private retreat.

Listed by Cynthia Petit of Petit Properties

$
$
%
$/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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348 Chowan Drive Highlands NC 28741

Highlands, NC348 Chowan Drive

Price$349,000

Est. Mortgage: $/month

Pending

MLS Number 1003390

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 0.27

Calling all INVESTORS & Fixer-Uppers. Tucked away in the heart of Mirror Lake, this charming 2-bedroom, 1-bath bungalow is the perfect guest house, weekend retreat, or cozy full-time escape. Sip a cold glass of sweet tea on the front porch while enjoying the fresh mountain air and the soothing sound of the Mirror Lake waterfall in the distance. No AC? No problem! Just open the windows and let the cool, crisp breeze flow through. No Heat? Add a gas fireplace or your own HVAC system. Need extra space? The work-shed has the potential to be transformed into an extra bunk-room, perfect for extra guests. And when the evening rolls around, gather around the fire pit just steps away for s'mores and stories under the stars. This little honey needs some 'sugar', but at this price, it won't last long! Sold as is Don't miss out on your chance to call Mirror Lake home.

Listed by Andrea Gabbard of Highlands Sotheby's International Realty - DT

$
$
%
$/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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19 Quail Ridge Trail Franklin NC 28734

Franklin, NC19 Quail Ridge Trail

Price$345,000

Est. Mortgage: $/month

MLS Number 1003293

  • Residential
  • Bedrooms 2
  • Bathroom 4
  • Acreage 0.6

Charming builder's home nestled on approximately 0.60 acres, offering the ease of one-story living with thoughtful design throughout. This 2-bedroom, 2-bath cottage features a warm and inviting living space highlighted by a beautiful stone wood-burning fireplace. Separate built-in heaters provide efficient comfort year-round. Enjoy indoor-outdoor living with French doors that open onto a covered porch-perfect for relaxing or entertaining while overlooking the peaceful surroundings. The home includes a dedicated laundry room with sink, plus ample storage throughout. Outside, you'll find a detached single-car garage and a small babbling creek/branch bordering the property, adding to the serene, private setting. A rare combination of quality construction, functionality, and natural beauty-this home is ready to welcome its next owner.

Listed by Judith Preiato of Jackson County Realty 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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51 Briarberry Lane Glenville NC 28736

Glenville, NC51 Briarberry Lane

Price$335,000

Est. Mortgage: $/month

MLS Number 1003054

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.69

This quaint mountain cottage features 2 bedrooms, 2 bathrooms, living room, and kitchen all on one level. The primary bedroom is placed at the back of the home creating nice privacy with a connected full bath and laundry room area. The additional bedroom, bathroom, and the kitchen area are situated separately on the right side of the home. The large covered back deck area is an excellent place for entertaining and the front porch area is ideally suited for rocking chairs and sweet tea. Multiple outbuildings provide extensive storage on the property including an open garage area for parking. The property encompasses 2 parcels with opportunities for improvement and future development. Convenient access to Hwy 107 is an additional plus. This home is currently rented. Property is also being offered with an additional 5 parcels including 3 occupied rentals and a vacant RV. Additional details and pricing for all parcels is available upon request.

Listed by Scott Smith of Looking Glass Realty Sapphire

$
$
%
$/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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1696 Clear Creek Road Highlands NC 28741

Highlands, NC1696 Clear Creek Road

Price$330,000

Est. Mortgage: $/month

MLS Number 1002271

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.99

Minutes from downtown Highlands, this two-bedroom home offers convenient access to the plateau with the benefit of being outside town limits. The property provides flexibility for use as a personal residence, rental, or investment. A screened front porch leads into a dining area that opens to the living room with a wood-burning fireplace and large glass doors showcasing mountain views. The kitchen is located just off the hall and includes ample counter space and a stand-up bar connected to the dining room. Further down the hallway are the laundry room and pantry. The primary bedroom features an en-suite bathroom and a large window framing mountain views. The second bedroom is across the hall with natural light from a wide window, and a second full bathroom is conveniently located beside it. From the living room, double doors open to the back deck, where the property's elevated position offers a peaceful setting with tree-filtered views and privacy at the edge of the backyard. This one won't last-schedule your showing!

Listed by Taylor Schmitt of Mountain Life Real Estate,LLC

$
$
%
$/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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26 Weasel Way Sapphire NC 28774

Sapphire, NC26 Weasel Way

Price$329,000

Est. Mortgage: $/month

MLS Number 1003185

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.21

Completely remodeled and move-in ready, this cute as a button 2-bedroom, 2-bath contemporary cottage combines classic charm with stylish modern updates. Conveniently located with easy access off Hwy 64 and Hwy 281 in Sapphire, the home sits on a flat lot with a gravel driveway. Originally built in 1965, the cottage has been extensively updated with new LVP flooring, fresh paint, renovated bathrooms, updated plumbing, stainless steel appliances, new windows, SmartSide-style siding, barn doors, and energy-efficient mini-splits (2025). A metal roof was added in 2018 for added peace of mind. Inside, you'll find a comfortable living room plus a cozy den with a wood stove. Enjoy the perfect weather from the front porch swing. Offered vacant and move-in ready, this property would make a wonderful full-time home, mountain getaway, vacation rental, or long-term investment property. Affordable, updated cottages in this convenient Sapphire location are hard to find - especially with no HOA fees - so don't wait. This one is ready to enjoy from day one and likely won't last long! Furniture is negotiable.

Listed by Lesley Howard of Landmark Realty Group - Frank Allen,Cashiers

$
$
%
$/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."