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$324,900

Est. Mortgage: $/month

Active With Contract

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

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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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245 Locust Court Sapphire NC 28774

Sapphire, NC245 Locust Court

Price$320,000

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: 6.65% 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 Weasel Way Sapphire NC 28774

Sapphire, NC26 Weasel Way

Price$319,000

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

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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 Regal Avenue Sylva NC 28779

Sylva, NC29 Regal Avenue

Price$299,000

Est. Mortgage: $/month

MLS Number 1003092

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.75

NEWLY REDUCED!! Charming and full of character, this beautifully maintained 2 bd, 1.5 bath (upstairs bonus room) farmhouse offers the perfect blend of timeless appeal and in town convenience. Nestled within the city limits of Sylva, this inviting home sits on a thoughtfully landscaped property bursting with color, texture and curb appeal. Step inside to find warm, welcoming living spaces that reflect the homes era complemented by tasteful updates for modern comfort. The functional layout features 2 cozy bedrooms one with a half bath and the other with a full bath. Outside, the creatively designed (.75 acre corner lot) landscaping creates a peaceful retreat-ideal for relaxing on the porch, gardening or entertaining guests. Your pets/and or children will have plenty of space with the fully fenced in yard. Whether you're enjoying the covered porch or exploring the vibrant local community just minutes away, this property offers the opportunity to own a slice of mountain town living. Beautiful flower gardens featuring perennial blooming apple and cherry trees- close to schools, shops, & services.

Listed by Judith Preiato of Jackson County Realty 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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76 High Cotton Lane Highlands NC 28741

Highlands, NC76 High Cotton Lane

Price$279,999

Est. Mortgage: $/month

MLS Number 1003905

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.05

A rare opportunity in High Cotton Estate! This spacious 2BR/2BA tiny home offers more room than a typical park model, providing added comfort while maintaining the charm and coziness of a true mountain retreat. One of its most distinctive features is the fireplace, a rarity among tiny homes and the perfect complement to cool Highlands evenings. Ideally located just 8 minutes from historic Main Street Highlands and only 4 minutes from the Yellow Mountain Trailhead, with access to Cole and Shortoff Mountain trails, the property offers an excellent setting for those who enjoy the outdoors while remaining convenient to town. Surrounded by mature native foliage, the home provides a peaceful mountain setting, complete with a private hot tub located just off the primary bath. Previously the home was a successful vacation rental this property offers flexibility as an investment, personal mountain getaway, or both. Opportunities in High Cotton Estate are rarely available-schedule a showing and experience this unique Highlands retreat for yourself!

Listed by Spencer Kirkpatrick 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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353 Vistawilla Drive Glenville NC 28736

Glenville, NC353 Vistawilla Drive

Price$270,000

Est. Mortgage: $/month

MLS Number 1002746

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 2

Are you wanting the quintessential cabin the woods with a view! Step into this charming cabin, where you'll be treated to year-round mountain views and the soothing sounds of Trout Creek in the background. This two-bedroom, one-and-a-half-bath home sits on a two-acre parcel inside the gates of Pilot Mountain. All new flooring throuought, Located 10 minutes from Lake Glenville and 15 minutes from the center of Cashiers. Trout fishing galore on the Tuckassegee across the street from subdivision. Perfect mountain getaway to enjoy the cool summer temperatures.

Listed by Brooks Kittrell 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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48 Upsy Daisy Lane Cullowhee NC 28723

Cullowhee, NC48 Upsy Daisy Lane

Price$249,000

Est. Mortgage: $/month

MLS Number 1001498

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 1.94

Unique Opportunity in the Heart of Bright Mountain - Nearly 2 Acres Near Lake Glenville This is a rare fixer-upper opportunity unlike any other! Originally a single-wide manufactured home from 1975, this property has been transformed over the years with multiple additions-including a second story-creating a truly one-of-a-kind residence full of potential. Set on nearly two gently sloping acres, the land offers mature apple trees, established garden areas, and a level upper part of the property that is perfect for a new build or a complete renovation project. Whether you're dreaming of restoring the existing home or building anew, this property is a blank canvas in an ideal location. Located in the scenic Bright Mountain community, just minutes from public access to Lake Glenville-a 1,470-acre lake with 26 miles of shoreline-this is a haven for outdoor lovers. Enjoy boating, fishing, kayaking, and canoeing right nearby. Cashiers is a short 12 minute drive, offering access to beautiful waterfalls, endless hiking trails in surrounding national forest, plus boutique shopping and fine dining in town. Due to the significant additions made over time, this property may potentially be classified as a single-family dwelling-buyers are advised to consult an attorney for specific guidance on classification. Don't miss this chance to own a unique slice of mountain living with unlimited potential!

Listed by Philip Bradley of Cashiers Valley Real Estate LLC

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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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169 Sage Circle Glenville NC 28736

Glenville, NC169 Sage Circle

Price$240,000

Est. Mortgage: $/month

MLS Number 1003057

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 0.31

This little slice of paradise features one level living with a large living room, 2 bedrooms, kitchen, and a full bath on a gently sloping lot. A porch area wraps around the main entry of the house all the way to the side entry with both areas nicely covered. A shared well parcel is prominent in the front area of the parcel and a storage building can be found out back. Close proximity to Lake Glenville and the surrounding community is a big plus. Opportunities abound with this property. This listing is being offered in conjunction with 6 other parcels including 3 active rentals. Additional details and pricing for all parcels is available upon request.

Listed by Scott Smith of Looking Glass Realty Sapphire

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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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191 Chowan Drive Highlands NC 28741

Highlands, NC191 Chowan Drive

Price$225,000

Est. Mortgage: $/month

Active With Contract

MLS Number 1002408

  • Residential
  • Bedrooms 1
  • Bathroom 2
  • Acreage 0.32

This cabin is 1 bedroom/1.5 bath, close to Main Street, just above Mirror Lake Dam and walking distance to On the Veranda Restaurant. This is one of those "fishcamp" style cabins that used to dot the Mirror Lake area prior to being renovated. This one still needs renovation!

Listed by John Dotson of Preferred 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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197 Tuts Terrace Sylva NC 28779

Sylva, NC197 Tuts Terrace

Price$208,000

Est. Mortgage: $/month

MLS Number 1003398

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 1.01

Offering a two bedroom / one bath home that adjoins US National Forest. The upper level of this home is unfinished and only partially plumbed, meaning the space is incomplete and has some plumbing installed but not finished. This setup offers great potential for expansion or renovation. The bedrooms and bathroom have recently been painted. Home is being sold AS-IS. Some repairs needed.

Listed by Marsha Jones of Elite Mountain Realty,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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577 Paul Mccoy Road Lake Toxaway NC 28747

Lake Toxaway, NC577 Paul Mccoy Road

Price$154,000

Est. Mortgage: $/month

Active With Contract

MLS Number 1003529

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 0.36

Welcome to 577 Paul McCroy Rd, Lake Toxaway, NC - over 1200 sqft house with beautifully landscaped and with some cosmetic updating would be a perfect dream home in a peaceful mountain setting. This property, just a few mins from lake has master on main and with bonus room and bathroom on the top level. The property has no restrictions and could be perfect for full-time living, a vacation home, or an investment opportunity. The open and inviting layout provides comfortable living space with plenty of natural light. Property is Sold As Is. Call for showings today!

Listed by Sukhin Chawla of Weichert Realtors Highland 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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345 Scotch Highlands Loop Sapphire NC 28774
Pending

MLS Number 1003597

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Acreage 0.53

Great opportunity in the Mountains! 1/6th Fractional ownership in the lovely Sapphire Valley area. 8 weeks guaranteed (4 in prime season and 4 in off season) more upon availability. Ideal for effortless Mountain Living. Everything is ready for you to walk in and enjoy! Fees include access to Sapphire Valley Amenities, all taxes, maintenance, firewood, utilities, and more.

Listed by Linda Rogers of Stewart Real Estate Group

$
$
%
$/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."