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.

460 Plainview Ridge Sylva NC 28779

Sylva, NC460 Plainview Ridge

Price$500,000

Est. Mortgage: $/month

Pending

MLS Number 1000475

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Acreage 2.84

Log Cabin with Year-Round Mountain Views. The property is accessible via both paved and gravel roads, Inside, you'll find a rustic interior with cathedral ceilings & skylight in great room that flood the home with natural light. A stone wood-burning fireplace perfect for relaxing on cool evenings .3 Bd & 3.5 Bath, Hardwood flooring throughout the main living areas. Tile in the bathrooms for easy maintenance, Primary Bath with dual copper sinks & Granite countertops in the kitchen and bathrooms. Stainless steel kitchen appliances. Main-level laundry room Recessed lighting for a modern touch Spacious covered decks (upper and lower) ideal for outdoor relaxation Finished basement with a wood stove for back up heating. Metal roof. The property also includes a small barn currently used for storage but with the potential to be converted into a separate living space upon completion. Adjoining property available for purchase, MLS#1000172, offering even more possibilities for expansion or privacy.

Listed by Jayne Buchanan and Travis Frazier of Jackson County Realty Inc

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Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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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86 Beech Court Sapphire NC 28774

Sapphire, NC86 Beech Court

Price$499,999

Est. Mortgage: $/month

Active With Contract

MLS Number 1001409

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.51

Tucked away on a quiet cul-de-sac in the desirable Holly Forest community, this charming 2-bedroom, 2-bathroom home offers the perfect blend of privacy, convenience, and modern updates. Just minutes from the Cashiers Crossroads and seconds to Sapphire Valley's resort-style amenities, the location is ideal for both full-time living or a second home getaway. Set on a wooded lot, the home features a bright and open split-bedroom floor plan, filled with natural light and warmed by a cozy wood-burning fireplace. Step out onto the large back deck to enjoy serene forest views, perfect for morning coffee or evening relaxation. The spacious two-car garage includes room for a workshop, while the generous laundry room and ample interior storage add to the home's practicality. Thoughtfully renovated by the current owners, the home boasts engineered hardwood floors throughout, beautifully updated bathrooms, a refreshed kitchen, and new doors and trim work-offering a clean, modern feel while maintaining mountain charm. A full list of updates is available upon request, being sold furnished with few exceptions. This single-level home presents an excellent opportunity for vacation rental income or personal use. Ownership includes access to Sapphire Valley's sought-after amenities: golf, tennis, fitness center, indoor and outdoor pools, Lake Fairfield access, skiing, and more. Just a short drive to fine dining, boutique shops, and all the charm of Cashiers, with Highlands only 30 minutes away-this is mountain living at its best.

Listed by Spencer Kirkpatrick and Bert Mobley of Highlands Sotheby's International Realty - DT

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$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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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224 Concord Lane Tuckasegee NC 28783

Tuckasegee, NC224 Concord Lane

Price$499,900

Est. Mortgage: $/month

MLS Number 1000693

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Acreage 1.24

Are you the mountain lover that does not want typical log cabin? Come see this more traditional style home nestled in the forest just minutes from 4 smaller lakes, called the 4 Hidden Gems! Enjoy the serenity of the forest with birds chirping, feel the breeze, and become one with nature on the wrap-around porches. Newly renovated kitchen with upgraded appliances, center pre-distressed Butcher Block island and breakfast nook with Bay window, large living area, and traditional dining room. Large primary ensuite and other bedrooms upstairs, perfect for the growing family. Downstairs are the original hardwood floors, upstairs, floors were replaced with LVP. Enjoy the wrap-around covered porch with built-in gazebo. A beautiful fire pit with a FLAT yard for entertaining or for the kids to play. Restaurants, breweries, shopping, and much more in either direction to Cashiers or Sylva. Don't miss this opportunity to live in complete privacy in the NC Mountains!

Listed by Bernie Gilchrist of Sundog Realty

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$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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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233 Strawberry Hill Road Cullowhee NC 28723

MLS Number 1001009

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 1.12

This sweet, updated cottage is located just across the road from picturesque Lake Glenville, nestled in the well-established community of Strawberry Hill. From its expansive wraparound decks, you'll enjoy stunning mountain views that make every day feel like a retreat. Perfect as a lock-and-leave property, this home offers ease and peace of mind, whether you're coming for a weekend getaway or settling in for a longer stay. Inside, the interiors are light-filled and cheerful, with abundant windows and an open floor plan that invites effortless entertaining. Thoughtfully maintained, the home features numerous recent upgrades and updates throughout. With two bedrooms and two bathrooms, plus a charming bonus room, it's ideally suited as a vacation getaway or a comfortable year-round residence. Conveniently close to Lake Glenville's recreational opportunities and just minutes from the vibrant village of Cashiers, you'll have easy access to shopping, dining, and local events, making this cottage a true mountain gem.

Listed by Merry Soellner of Cashiers Sotheby's International Realty

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$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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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4860 Horse Cove Road Highlands NC 28741

Highlands, NC4860 Horse Cove Road

Price$499,000

Est. Mortgage: $/month

MLS Number 1000971

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 1.31

This charming two-bedroom, two-bath Highlands cottage is nestled in a peaceful wooded glen adjoining Nantahala National Forest. Bright and inviting, the home features a clean white open floor plan with both covered and open deck spaces, perfect for enjoying the natural surroundings. A gentle mountain stream borders the property, and a detached shed offers space for hobbies. Ideally located just minutes from the heart of Highlands and convenient to Cashiers, this mountain retreat is also close to the scenic highlights of the Chattooga River and national forest trails. Tastefully updated, the home balances rustic simplicity with contemporary comfort. A meandering drive leads to a striking silhouette topped with a brand-new metal roof installed in 2025. The newly completed deck addition offers relaxed outdoor living,with forest views and the soothing sounds of the forest. Inside, the great room is luminous and cozy, featuring clean white finishes with a freestanding wood stove. The open kitchen flows effortlessly into the living space, ideal for entertaining. Thoughtfully designed for ease and peace of mind, the home includes a new hot water heater and well pump (installed in 2024) and is wired for a portable generator to ensure comfort in any season. The grounds reflect a curated wildness, framed by mature rhododendrons and hardwoods that provide year-round beauty and privacy. A gently sloping lawn leads to a fire pit-perfect for evenings spent under the stars. Whether you're seeking a full-time residence or a serene weekend escape, this beautifully sited home captures the quiet luxury and natural elegance of life in the Highlands.

Listed by Michael Cox of Betsy Paul Properties,Inc.

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$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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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263 Mountain Laurel Drive Highlands NC 28741
Active With Contract

MLS Number 1001068

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 1.19

Welcome to 263 Mountain Laurel Drive, a charming 2-bedroom, 2-bath cottage nestled on a generous 1.19-acre lot within the city limits of Highlands, NC. Ideally located on the Atlanta side of town, this inviting home offers a rare combination of privacy and convenience-just minutes from the vibrant shops, dining, and cultural experiences of downtown Highlands. Inside, you'll find an open floor plan with vaulted ceilings in the living room/ kitchen and wood floors throughout, creating a warm and airy atmosphere. The living area centers around a cozy gas fireplace, and the spacious kitchen and dining areas flow seamlessly for easy entertaining. A laundry room/ pantry adds everyday practicality, while the deck and patio area invite you to relax outdoors and take in the peaceful surroundings. Located in the desirable Mountain Laurel neighborhood, this home offers walkable access to the Mountain Laurel Tennis Club(Membership by invitation) and is surrounded by native greenery for added seclusion. Whether you're seeking a full-time residence or a mountain getaway, this property offers comfort, charm, and an unbeatable Highlands location.

Listed by John Muir and Brooks Kittrell of Berkshire Hathaway HomeServices Meadows Mountain Realty - HF

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$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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$497,000

Est. Mortgage: $/month

MLS Number 1001284

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.28

Tucked among the trees and less than 10 minutes from downtown Highlands, this versatile two-level home offers a rare combination of space, privacy, and potential, with no short-term rental restrictions. Whether you're looking for a full-time residence, mountain getaway, or income-producing property, this one checks all the boxes. The main living area features vaulted ceilings, a cozy fireplace, beautiful wood flooring, and access to a spacious back porch that is partially covered, complete with an outdoor shower and a rustic bar setup, perfect for entertaining. This 2 bedroom home also offers 2 bonus rooms ideal for overflow guests, office space, etc. Other features include a second living area and an additional flex space, offering plenty of room for everyone to spread out. The lower level could easily be converted into a separate unit with the addition of a kitchen, creating even more value and flexibility. A generous carport accommodates up to four vehicles, making it convenient for guests or multiple residents. Priced under $500K, this home presents an incredible opportunity for a variety of buyers.

Listed by Mary Abranyi of Berkshire Hathaway HomeServices Meadows Mountain Realty - HF

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$
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$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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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55 Big Acorn Trail Glenville NC 28736

Glenville, NC55 Big Acorn Trail

Price$495,000

Est. Mortgage: $/month

MLS Number 1000179

  • Residential
  • Bedrooms 1
  • Bathroom 1
  • Acreage 0.9

Seize this unique opportunity to own a cottage in the Nature's Way section of Chinquapin, featuring a great long-range view of the peaks surrounding the community! From this location, you'll enjoy proximity to The Outpost Clubhouse and all of the outdoor amenities Chinquapin offers. High ceilings and abundant natural light lend this cottage a light and airy feel, while the stone fireplace in the living room adds that extra special touch of coziness and warmth. The classic mountain ambiance combined with modern amenities makes this a great weekend getaway or full-time home in the Blue Ridge Mountains. Chinquapin is a 2,000-acre, private, gated community that offers park-like living with outdoor adventure amenities. Enjoy lake and stream fishing, canoeing, a disc golf course, a driving range, miles of hiking and biking trails, an Outpost Clubhouse with a fitness room and live music during the season, and pickleball courts!

Listed by Kathryn Nicholson of SILVER CREEK REAL ESTATE GROUP,INC.

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$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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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103 Southshore Drive Tuckasegee NC 28783

MLS Number 1000309

  • Residential
  • Bedrooms 2

Experience breathtaking lake views in this beautiful condo, nestled within the stunning Bear Lake Reserve community. Located just a short distance from the Lake Club, this lower-level condo offers unrivaled views of the lake. Once going down the condominium stairs, you will enter the condo with the spacious living room and kitchen feature hardwood floors and an open-concept design, perfect for entertaining. As the gas logs flicker and the sun sets over the lake, you'll enjoy the perfect atmosphere. The primary bedroom also offers spectacular lake views and features a private door leading to your own balcony. Bear Lake Reserve is a haven for outdoor enthusiasts, with activities for everyone-from hiking trails and pools to a fitness center, tennis/pickleball courts, golf, and much more! There is a $40,000 initiation fee, $50 set up fee and a quarter of 1% club contribution fee for Bear Lake Reserve

Listed by April Bryant of BLR Realty LLC

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%
$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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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66 Jones Hollow Road 28723 Cullowhee NC 28723

MLS Number 1001414

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 2.13

Tucked inside the gated community of Cross Creek Reserve, this charming 3-bedroom, 2-bath mountain cabin sits on more than 2 gently rolling acres with a serene stream nearby and total privacy. Recently updated with a new roof and fresh exterior paint, the home blends rustic warmth with practical upgrades, making it ideal as a full-time residence, seasonal escape, or short-term rental investment. Inside, you'll find beautiful pine hardwood floors, knotty pine walls, and custom built-in storage throughout. The open-concept layout creates an easy flow between the kitchen, dining, and living areas. The primary bedroom and full bath are located on the main level, while two additional bedrooms and a second bath are tucked upstairs-perfect for visiting family or guests. Enjoy the sounds of nature and the peaceful setting from your covered back deck. Located at 3,500+ ft elevation, you'll appreciate the cooler temperatures and privacy of this mountain retreat, all just a short drive from Cashiers, Highlands and Franklin. No HOA fees. Short-term rentals allowed.

Listed by Brooks Kittrell and John Muir of Berkshire Hathaway HomeServices Meadows Mountain Realty - HF

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$
%
$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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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125 Outpost Trail Glenville NC 28736

Glenville, NC125 Outpost Trail

Price$475,000

Est. Mortgage: $/month

MLS Number 106440

  • Residential
  • Bedrooms 1
  • Bathroom 1
  • Acreage 0.68

Nestled in the desirable Nature's Walk section of Chinquapin, this turnkey furnished home offers a seamless blend of comfort and mountain elegance. Just 1/10th of a mile from the cottage are two exceptional, fenced-in pickleball courts, complete with high-quality playing surfaces as well as tables and chairs for spectators, adding to the community's appeal. The home, thoughtfully designed to maximize space, features high ceilings and a stunning stone fireplace that creates a warm and inviting atmosphere. The large, screened deck provides the perfect spot to relax and take in the serene mountain views. With fiber optic internet and a golf cart included, staying connected in this tranquil retreat is effortless. With a solid short-term rental history, the home can earn revenue when not in use by the owner. Tucked away atop one of the highest points of the Highlands-Cashiers Plateau, Chinquapin is an amenity-rich community that provides the ultimate mountain lifestyle while maintaining a reverence for the natural landscape. Nearly one-third of its 2,000 acres are kept in a conservation easement, preserving its stunning environment while providing unparalleled access to outdoor activities such as hiking, fishing, and canoeing, and even UTV and equestrian trails. Residents can take advantage of modern conveniences, including a fitness room, pickleball courts, a driving range, and a clubhouse, ensuring a truly engaging experience in this peaceful mountain setting. Beyond its breathtaking landscapes, Chinquapin features elegant, custom mountain homes designed with contemporary, upscale style, creating the perfect retreat. In addition to its peaceful location, the community is just minutes from the attractions of nearby Cashiers, where world-class dining, art, shopping, and music await. Chinquapin offers an unmatched opportunity to enjoy the best of mountain living, combining outdoor adventure with sophisticated comfort.

Listed by Laurin Evans of SILVER CREEK REAL ESTATE GROUP,INC.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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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1066 Fowler Road Glenville NC 28736

Glenville, NC1066 Fowler Road

Price$470,000

Est. Mortgage: $/month

MLS Number 1000815

  • Residential
  • Bedrooms 1
  • Bathroom 2
  • Acreage 2.13

Great opportunity to own 1 bedroom 2 bath on 2.13 acres with a view. 15 minutes from Cashiers or 10 minutes from Lake Glenville. Nice privacy... home adjoins 240+ acre estate. Home has oversized heated garage with full bath that could be used for shop, toys or could be converted into additional living space. Custom building that can be used for art studio, storage, man-cave, she-shed or converted to private guest suite. Nicely landscaped yard with outdoor sitting area complete with rock fire pit and custom built chicken coup. Home comes with star link already installed. If you are looking for a cabin in the mountains that doesn't break the bank close to Lake Glenville don't let this one get away. If you are a contractor in need of shop/storage with living quarters above this could be it.

Listed by Donald Collins of Berkshire Hathaway HomeServices Meadows Mountain Realty - CA

$
$
%
$/month over payments
Federal 30-year interest rate: 6.72% last updated on Jul 10, 2025
* 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 July 15, 2025 11:43 PM EDT. 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."