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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96 Meadowlark Lane Sapphire NC 28774

Sapphire, NC96 Meadowlark Lane

Price$172,000

Est. Mortgage: $/month

MLS Number 1003041

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 0.75

Located in Sapphire NC this two bedroom/one bath cottage is in a unrestricted residential neighborhood. This is the perfect mountain getaway nestled in the trees providing privacy as well as convenience.

Listed by Daniel Seay of Carolina Mountain Brokers

$
$
%
$/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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68 On The Rocks Sapphire NC 28774

Sapphire, NC68 On The Rocks

Price$155,000

Est. Mortgage: $/month

MLS Number 1002074

  • 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: 6.47% 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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577 Paul Mccoy Road Lake Toxaway NC 28747

Lake Toxaway, NC577 Paul Mccoy Road

Price$154,000

Est. Mortgage: $/month

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

$
$
%
$/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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256 Scotch Highlands Loop Sapphire NC 28774

MLS Number 1002236

  • 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: 6.47% 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

146 Scotch Highlands Loop Sapphire NC 28774

MLS Number 1002667

  • 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: 6.47% 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

168 Plateau Ridge Cashiers NC 28717

Cashiers, NC168 Plateau Ridge

Price$129,000

Est. Mortgage: $/month

MLS Number 1003167

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Acreage 0.81

Located in the highly desirable mountain community of Cashiers, North Carolina, this 0.81-acre property presents a prime redevelopment opportunity in one of Western North Carolina's most sought-after vacation markets. The existing structure is a complete tear-down and holds no contributory value-this is strictly a land opportunity. The property previously featured a 3-bedroom, 2-bath home (built in 1972, approx. 1,066 sq ft), but its condition warrants full removal, making it ideal for new construction. Surrounded by higher-end homes and strong appreciation trends, this lot offers the perfect setting for a custom mountain retreat or luxury rental. Positioned near the Highlands/Cashiers corridor, the location benefits from strong demand driven by second-home buyers and vacationers seeking the Blue Ridge Mountain lifestyle. The generous lot size provides flexibility for design, privacy, and maximizing long-term value. Sold as-is. Tear-down required. Bring your builder-this is a high-upside land play in a premium market.

Listed by Sukhin Chawla of Weichert Realtors Highland 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

 "Based on information submitted to HCBOR as of June 23, 2026 10:43 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."