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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78 Highland Drive Lake Toxaway NC 28747

Lake Toxaway, NC78 Highland Drive

Price$379,000

Est. Mortgage: $/month

Active With Contract

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: 6.65% 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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29 Bert Waldroop Road Franklin NC 28734

Franklin, NC29 Bert Waldroop Road

Price$376,000

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 residential, mini-farm OR commercial possibilties. NO DEED RESTRICTIONS. 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: 6.65% 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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82 Village Way Sapphire NC 28774

Sapphire, NC82 Village Way

Price$374,500

Est. Mortgage: $/month

Pending

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: 6.65% 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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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: 6.65% 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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1344 Fulcher Road Franklin NC 28734

Franklin, NC1344 Fulcher Road

Price$364,900

Est. Mortgage: $/month

MLS Number 1003850

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 0.97

Tucked into the sought-after Clarks Chapel area just ten minutes from downtown Franklin, this single-level, three-bedroom, two-bathroom home offers easy one-level living in a private, wooded setting. The open, split-bedroom layout keeps the primary suite on its own side of the home, complete with a walk-in closet and ensuite bathroom, while two additional bedrooms and a full bathroom sit comfortably apart. Vaulted ceilings and hardwood floors carry through the main living areas, and the kitchen anchors the space with a center island and a breakfast bar open to the dining and living rooms. Improvements made during ownership include deck work in 2026 with new planks, railings, and stairs, plus kitchen appliances replaced within the last two years. A Trane heat pump installed in 2024 offers added peace of mind. The covered deck is a comfortable spot to relax and take in the private, wooded setting. A storage building off the carport has electricity, offering workshop or extra storage space, and the lot provides room to enjoy the outdoors. Shared well and driveway with one neighboring property, both recorded in the deed. High-speed internet available. With easy access to downtown Franklin from multiple directions, this is a convenient, low-maintenance home in one of the area's most established and desirable pockets.

Listed by Jonathan Hough 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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116 Shady Rest Road Cullowhee NC 28723

Cullowhee, NC116 Shady Rest Road

Price$349,900

Est. Mortgage: $/month

MLS Number 1003912

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.53

Freshly updated and ready for you to make this house your home. Fresh paint and new counter tops are always a nice touch. One level living and a wrap around deck make this home a must see. Large two car garage is just icing on the cake. Great location just 3 miles from the boat ramp on Glenville Lake. Perfect for boating, kayaking and fishing. The Pines Recreation area and great hiking are less than 5 minutes away. Schedule your appointment to view this great home before it is too late.

Listed by Adam Koonts 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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87 Middle Creek Lane Scaly Mountain NC 28775

MLS Number 1003968

  • Residential
  • Acreage 0.28

Exclusive Double Lot Opportunity | 87 Middle Creek Ln, Scaly Mountain, NC Wildflower Creek Motor Coach Resort | Luxury Class A Retreat Escape the summer heat and elevate your mountain lifestyle with this rare double-lot offering in the prestigious, gated Wildflower Creek Motor Coach Resort. Positioned at a cool 3,600-foot elevation in the Blue Ridge Mountains-where summer highs average a comfortable 82°F-this package includes two adjoining premium lots for one price, delivering unmatched space, privacy, and long-term value. Property Details & Capabilities * Utilities: Full hookups on both sites, featuring 50-amp electrical service, water, and sewer connections. * Storage & Upgrades: Each lot includes an individual storage shed for gear and tools, with site design pre-approved to accommodate an optional 400 sq. ft. Coach House. * Site Features: Gently landscaped layout steps away from the soothing sounds of Middle Creek, offering expanded outdoor living space for dining, fire pits, or custom groundskeeping. Resort Amenities * Historic Clubhouse: Gather at the center of the community in a fully restored 1845 antique log cabin. * Creekside Pavilion: Unwind at the social pavilion overlooking a natural waterfall and swimming hole. Prime Location Conveniently located just minutes from both Highlands, NC, and Dillard, GA. Enjoy quick access to mountain dining, shopping, and outdoor adventures-from trout fishing and snow tubing at the Scaly Mountain Outdoor Center to zip-lining at Highlands Aerial Park. Whether you are looking to build a custom seasonal sanctuary or secure a high-value mountain retreat, this double-lot package offers a premier footprint in one of the region's most desirable motor coach communities.

Listed by Nate Conkling of Poss Realty Group - Clayton

$
$
%
$/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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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: 6.65% 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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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: 6.65% 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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7 Grefe Road Scaly Mountain NC 28775

Scaly Mountain, NC7 Grefe Road

Price$330,000

Est. Mortgage: $/month

MLS Number 1003880

  • 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 - CA

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

Highlands, NC1696 Clear Creek Road

Price$330,000

Est. Mortgage: $/month

Pending

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: 6.65% 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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26 Cumberland Drive Lake Toxaway NC 28747

Lake Toxaway, NC26 Cumberland Drive

Price$325,000

Est. Mortgage: $/month

Active With Contract

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: 6.65% 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."