Polk County Homes under $400,000

Polk County Homes under $400,000

Welcome to Polk County, North Carolina—a hidden gem nestled in the foothills of the Blue Ridge Mountains. Known for its breathtaking landscapes, charming small towns, and rich history, Polk County offers a perfect blend of natural beauty and community spirit. Whether you’re an outdoor enthusiast eager to explore the lush trails of the nearby mountains or someone who appreciates the arts and culture found in local galleries, this county has something for everyone.

One of the most appealing aspects of Polk County is its diverse real estate market, particularly for those seeking homes under $400,000. Here, you can find a variety of options that cater to different lifestyles and preferences. From quaint cottages that exude rustic charm to modern family homes equipped with contemporary amenities, there’s a property for every taste and budget.

Imagine waking up to the serene sounds of nature and enjoying your morning coffee on a sun-drenched porch. With a thriving community and a welcoming atmosphere, living in Polk County means you’re never far from friendly neighbors and local events. The county is also home to excellent schools, making it an ideal place for families looking to settle down.

With an affordable housing market and a vibrant community, Polk County is more than just a place to live; it’s a place to thrive. Whether you’re looking to buy your first home or seeking a peaceful retreat, Polk County invites you to discover its unique charm and endless possibilities. Come explore the homes available under $400,000 and find your perfect slice of North Carolina paradise!

Newest Polk County Homes under $400,000

51 Shepherd Street, Tryon
$205,000
2 Beds ⋅ 2 Baths ⋅ 4434123 MLS ⋅ 1,027 SqFt. ⋅ ACTIVE Status
Own a little piece of Tryon's history! Known locally as the Ziglar House, this beautifully renovated 2-bedroom, 2-bath cottage blends timeless character with modern comforts on a generous 0.85-acre lot just minutes from downtown Tryon. Inside, 992 square feet of thoughtfully designed living space features original pine beadboard walls and ceilings, beautiful 3/4-inch solid hickory hardwood flooring, and an open-plan kitchen and living room. The updated kitchen features new appliances, while a separate bonus room offers flexibility for a home office, art studio, or creative retreat, all with an open-hearth fireplace. A dedicated laundry room and energy-efficient mini-split heating and cooling add everyday convenience. Outside, enjoy quiet mornings on the welcoming front porch, afternoons on the deck, and plenty of space for gardens, outdoor entertaining, or simply enjoying your own little corner of the Carolina Foothills. In a quiet neighborhood rich with local history, the home sits near historic Ziglar Field and the Roseland Community Center, with downtown Tryon's shops, restaurants, galleries, theater, and community events just minutes away. Public water and sewer provide additional convenience. Historic character, modern updates, and room to breathe. The Ziglar House is ready for its next chapter.

51 Shepherd Street, Tryon

Listing courtesy of New View Realty. Kathy@KathyToomey.com
409 Lockhart Road, Tryon
$359,900
4 Beds ⋅ 2 Baths ⋅ 4431607 MLS ⋅ 1,599 SqFt. ⋅ COMING SOON Status
Beautifully updated and move-in ready! This charming Tryon home offers 4 bedrooms, 2 beautifully renovated bathrooms, and 1,599 square feet of living space. Step inside to discover gorgeous hardwood floors, fresh interior paint, an updated kitchen, and a welcoming living room with a fireplace. The partially finished walk-out basement offers two additional bedrooms, a full bathroom, laundry area, workshop, and plenty of storage. Enjoy outdoor living with a covered front porch, screened porch, patio, and landscaped yard. Situated on 0.31 acres with an attached two-car carport, this home is conveniently located near downtown Tryon's shops, restaurants, and parks. With so many updates already completed, all that's left to do is move in and make it your own!

409 Lockhart Road, Tryon

Listing courtesy of Keller Williams Mtn Partners, LLC. rosaaguirre@kw.com
49 Livingston Street, Tryon
$187,000
2 Beds ⋅ 1 Baths ⋅ 4434613 MLS ⋅ 635 SqFt. ⋅ ACTIVE Status
Adorable and thoughtfully updated, this two-bedroom, one-bath home in the heart of Tryon offers comfortable single-level living with a fresh, inviting feel. Spend an afternoon exploring nearby shops and restaurants, then come home and unwind on the deck. Renovations completed in 2024–2025 include updated kitchen cabinets and countertops, luxury vinyl plank flooring, and a refreshed bathroom. Stainless steel kitchen appliances include a refrigerator, range, and dishwasher. A ductless mini-split heat pump installed in 2026 provides efficient heating and cooling, while a covered front porch adds a welcoming touch. Whether you’re starting out, downsizing, or considering an investment property, this home offers possibilities, including potential short- or long-term rental use, subject to applicable requirements. Situated on approximately 0.29 acre with a concrete driveway, city water, and city sewer, this home pairs small-town charm with convenient access to the Tryon International Equestrian Center, area hiking trails, galleries, theater, and a vibrant local arts scene, as well as three major airports - Asheville, Greenville and Charlotte.

49 Livingston Street, Tryon

Listing courtesy of Tryon Foothills Realty. scameron.realtor@gmail.com
121 Carolina Drive Unit #121/123, Tryon
$389,000
3 Beds ⋅ 4434828 MLS ⋅ 1,668 SqFt. ⋅ ACTIVE Status
INVESTMENT OPPORTUNITY IN SOUGHT-AFTER TRYON, NC! Discover the potential of this charming duplex at 121–123 Carolina Drive, tucked away on a beautifully wooded lot surrounded by lush foliage, offering a peaceful, private setting in one of Western North Carolina's most desirable small towns! Whether you're looking to expand your investment portfolio or enjoy the benefits of owning an income-producing property, this duplex offers flexibility and opportunity. Unit 1 features 1 bedroom and 1 full bath and is currently leased, providing immediate rental income. Unit 2 offers a spacious 2-bedroom, 2-full-bath layout. Each residence features its own attached carport and private deck, perfect for relaxing and enjoying the natural beauty of the surrounding landscape. Both units include a refrigerator, stove, washer, and dryer as part of the rental accommodations. Nestled among mature trees and beautiful greenery, this property offers a sense of privacy and tranquility while remaining conveniently located in the sought-after Tryon area. Known for its small-town charm, vibrant arts community, local restaurants, and beautiful Blue Ridge Mountain surroundings, Tryon continues to be an appealing destination for homeowners and renters alike. TWO UNITS, ONE GREAT INVESTMENT OPPORTUNITY! Enjoy the combination of natural beauty, an attractive location, and rental income potential. Don't miss your chance to own this tucked-away duplex in charming Tryon, NC!

121 Carolina Drive Unit #121/123, Tryon

Listing courtesy of Leslie Horne and Associates. celestedeboltlha@gmail.com
784 Big Level Road, Mill Spring
$225,000
3 Beds ⋅ 2 Baths ⋅ 4430792 MLS ⋅ 1,524 SqFt. ⋅ ACTIVE Status
Bring your vision and make the most of 8.74 acres with mountain views! This 3-bedroom, 2-bath doublewide offers a great opportunity for someone looking for space, privacy, and the chance to create something of their own. The home needs some TLC and updating, making it an ideal project for a buyer ready to put in some work and unlock the property's potential. The land is the real highlight, with almost 9 acres offering plenty of room to spread out, garden, create a mini-farm, or simply enjoy the privacy and mountain setting. A separate two-bay building provides valuable additional space for vehicle storage, a workshop, equipment, recreational toys, or other uses. Also has another shed/storage on property. Whether you renovate the existing home or bring a bigger vision for the property, there's plenty of opportunity here. Acreage, mountain views, usable storage and room to make it your own; come see the possibilities!

784 Big Level Road, Mill Spring

Listing courtesy of NextHome Partners. eskritt.greg@gmail.com
2125 Whiteside Road, Mill Spring
$375,000
4 Beds ⋅ 2 Baths ⋅ 4430085 MLS ⋅ 2,569 SqFt. ⋅ ACTIVE Status
AUCTION: Live & Online Auction with internet bidding, held on site November 7, 2026, at 12:00 PM. PREVIEW / INSPECTION / OPEN HOUSE DATE CHANGED TO THURSDAY OCTOBER 29 from 4-6PM. This is Tract #2 of a two-tract auction; see MLS #4431764 (Tract #1, 23+/- ac) and MLS #4431763 (combined 36+/- ac). Tracts sell separately or combined, whichever brings more; both tracts must be under contract or seller may cancel. This is an Auction Property however you are encouraged to bring any offer prior to the sale date. If a pre-auction offer is accepted, the auction will be canceled. Built in 1881 around an original log cabin, this 2,569+/- SF, 4BR/2BA farmhouse on 13+/- acres keeps its hand-hewn logs, wavy-glass windows, crystal doorknobs, beams, and stone fireplace. Great room with wood stove and Blue Ridge views, knotty pine kitchen, sunroom, HVAC. In-ground pool, pool house, workshop and barns, second shop, artisan studio, original hitching post. Under 10 minutes to Tryon International Equestrian Center. Property is adjacent to existing winery. Sold AS-IS. No Contingencies whatsoever. Buyer pays all closing costs. 10% buyer's premium added to final bid price (Example: Final Bid Price of $500,000 +$50,000 BP = $550,000 total contract price). $10,000 non-refundable deposit per tract is required upon acceptance of a pre-auction offer or high bid. Auction by Bid Y'all Auction & Realty, LLC NCALF 10955.

2125 Whiteside Road, Mill Spring

Listing courtesy of Bid Y'All Auction & Realty. sold@BidYall.com
6958 Nc Hwy 9 Highway, Columbus
$234,900
3 Beds ⋅ 1 Baths ⋅ 4429914 MLS ⋅ 1,008 SqFt. ⋅ ACTIVE Status
Discover the possibilities at this charming 3-bedroom home situated on approximately 2 acres in a peaceful, private setting just minutes from the Tryon International Equestrian Center. With a great location and plenty of usable land, this property offers an exciting opportunity for a primary residence, weekend getaway, investment property, or short-term rental. The property provides a wonderful combination of privacy, convenience, and potential. The surrounding acreage offers room to garden, enjoy outdoor activities, add additional amenities, or simply take advantage of the peaceful wooded setting. Located approximately 10 minutes from Tryon International Equestrian Center, this property is ideally positioned to attract equestrian enthusiasts, visitors, and those looking to enjoy all that the Tryon/Columbus area has to offer. With the area's strong tourism and equestrian activity, the home also presents excellent potential for an Airbnb or other short-term rental opportunity, subject to local regulations. Whether you're looking for a home to make your own or an investment with room to grow, this property is worth a look. Bring your vision and explore the possibilities!

6958 Nc Hwy 9 Highway, Columbus

Listing courtesy of J. Peterson Realty & Associate. 828-803-3672
923 Green Creek Drive, Columbus
$324,000
3 Beds ⋅ 1 Baths ⋅ 4426604 MLS ⋅ 1,558 SqFt. ⋅ ACTIVE Status
UNRESTRICTED ACREAGE • GREEN CREEK • HOBBY FARM POTENTIAL • MINUTES TO TIEC! If you've been dreaming of a little more land and the freedom to make it your own, this may be the opportunity you've been waiting for! Nestled in the desirable Green Creek community, this 1.81-acre unrestricted property offers room to spread out, enjoy the outdoors, start a hobby farm, garden, keep animals, or simply create your own peaceful country retreat. The charming 3-bedroom, 1-bath home offers a comfortable open floor plan with beautiful hardwood flooring throughout much of the living space. The spacious kitchen features new LVP flooring and opens naturally to the living and dining areas, making it easy to stay connected while entertaining or enjoying everyday life. A large laundry room with plenty of storage adds functionality, while the versatile additional room just off the main living area offers endless possibilities as a home office, workout room, playroom, hobby space, or flex room. Outside is where the possibilities really begin! With 1.81 unrestricted acres, there is plenty of room for gardens, animals, outdoor activities, a workshop, or simply enjoying the peaceful surroundings. The home also features a new roof installed in early 2023. Location is another major plus! You'll be within approximately 10 minutes of Tryon International Equestrian Center (TIEC) and Hwy 74, while also being conveniently located near Landrum and I-26, making it easy to enjoy nearby dining, shopping, recreation, and surrounding communities. Whether you're looking for your first home, a small hobby farm, a place for your family to enjoy more outdoor space, or a private retreat, this property offers the land, flexibility, location, and potential to create something truly your own!

923 Green Creek Drive, Columbus

Listing courtesy of Charlie Hopper Realty. erweicker@gmail.com
1183 Sandy Plains Road, Tryon
$299,900
2 Beds ⋅ 2 Baths ⋅ 4428930 MLS ⋅ 1,600 SqFt. ⋅ ACTIVE Status
This country ranch style home is located only a short distance from the Equestrian Center and with some improvements could make a good permanent residence or rental. The land is level and there is a distant mountain view from the back of the property. Some improvements were done by the previous owner to the interior of the home of which the current Seller has limited knowledge. The interior features an open floor plan in the main living area and there is a sitting room off of the primary bedroom that opens to an enclosed porch as well as a covered back deck. It is on public water, but there is also a well located on the property that is currently not in use. The Seller is offering reliable financing options for real estate investors. Fix & Flip and DSCR financing is available with competitive rates and a streamlined process to help qualified investors move quickly!

1183 Sandy Plains Road, Tryon

Listing courtesy of Walker Wallace and Emerson Realty. robertaheinrich480@gmail.com
484 Briar Patch Lane, Saluda
$375,000
3 Beds ⋅ 2 Baths ⋅ 4426728 MLS ⋅ 1,540 SqFt. ⋅ ACTIVE Status
Set on approximately 4.7 acres in Saluda, this three-bedroom, two-bath home pairs a private wooded setting with mountain views and single-level living. Mature trees surround the home, while a clearing frames the distant mountain scenery. A substantial stone fireplace anchors the open living and dining area, which connects to a kitchen with granite countertops, ample cabinetry, and a peninsula with seating. The spacious Florida room extends across the rear of the home, with a long wall of windows overlooking the surrounding landscape. A second fireplace adds character to this additional gathering space. Outside, a deck offers another place to enjoy the mountain setting, and the attached garage provides parking along with space for storage and projects. Thoughtful updates and a personal touch can bring new life to this home while preserving its character and charm. Its open layout, distinctive fireplaces, and wooded acreage provide a starting point for your improvements. A renovation opportunity for investors, contractors, or buyers looking to personalize a home with character, acreage, and mountain views.

484 Briar Patch Lane, Saluda

Listing courtesy of Keller Williams Mtn Partners, LLC. Jonreale@kw.com
2116 Fox Mountain Road, Columbus
$150,000
4424497 MLS ⋅ 1,800 SqFt. ⋅ ACTIVE Status
CAN BE PURCHASED WITH 26 DEN LANE FOR A COMBINED 9 SINGLEWIDE RENTALS

2116 Fox Mountain Road, Columbus

Listing courtesy of JL Carolina LLC. jlions94@gmail.com
435 Thermal View Drive, Tryon
$349,900
3 Beds ⋅ 2 Baths ⋅ 4423024 MLS ⋅ 1,386 SqFt. ⋅ ACTIVE Status
Perfectly situated between Tryon and Columbus, this immaculate, move-in-ready home offers a wonderful combination of comfort, privacy, and timeless charm. Thoughtfully updated and beautifully maintained, it feels warm and welcoming from the moment you arrive. A gated driveway leads to the fully fenced yard, creating a peaceful sense of retreat. Outdoor living is a highlight, with three spacious decks—each freshly painted—providing plenty of room to relax, entertain, and enjoy the peek-a-boo mountain views from morning coffee through evening sunsets. Inside, natural light and hardwood floors create a bright, cohesive feel throughout the main living spaces. The refreshed kitchen pairs style with everyday functionality, featuring updated countertops, a tasteful backsplash, an induction range, and a Bosch dishwasher. The bathrooms have also been updated with tile flooring and modern vanities, while a cozy woodstove insert brings warmth and character during the cooler months. Raised garden beds are already in place for flowers, herbs, or seasonal vegetables. The enclosed carport has been converted into a one-car garage, providing sheltered parking along with useful storage space. Charming, well-appointed, and conveniently located for enjoying both nearby towns and the natural beauty of the foothills, this special property is ready to welcome its next owner. Come experience the setting, the views, and the thoughtful care that make this home stand out.

435 Thermal View Drive, Tryon

Listing courtesy of Tryon Foothills Realty. scameron.realtor@gmail.com
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