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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563 Parachute Ridge Glenville NC 28736

Glenville, NC563 Parachute Ridge

Price$449,900

Est. Mortgage: $/month

MLS Number 1003108

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 2.86

This tastefully updated two bedroom , two bath cabin is located in the Pilot Mountain gated community less than 15 minutes to Lake Glenville . Offering gorgeous year round long range mountain views . This 2.86 (+/-) acre lot also features a two car heated detached garage. Get that mountain retreat feel while also being close to all the amenities the plateau has to offer.

Listed by Jake Cox of JC Real Estate and Property Management

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$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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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141 Andrews Park Road Cullowhee NC 28723

Cullowhee, NC141 Andrews Park Road

Price$449,500

Est. Mortgage: $/month

MLS Number 1003671

  • Residential
  • Bedrooms 3
  • Bathroom 3
  • Acreage 1.45

Charming White Cottage with Lake Views & Expansion Potential - Glenville, NC Updated paint and floors as of July 2026! This beautifully maintained 3-bedroom, 3-bathroom cottage sits on 1.45 picturesque acres and offers the perfect blend of charm, comfort, and opportunity. Located just 15 minutes to Cashiers and 25 minutes to Highlands, you're also close to Happs Restaurant, Signal Ridge Marina, and the public boat ramp at Lake Glenville-making this a perfect spot for lake lovers and mountain adventurers alike. Enjoy serene winter lake views and easy summer lake access, just a short walk away at Andrews Park. Start your mornings with a cup of coffee on the covered front porch, listening to the birds sing, or unwind in the evening with a glass of wine, taking in the peaceful lake views and the vibrant colors of spring blossoms. Inside, you'll find hardwood floors, built-in bookcases, and spacious walk-in closets. The primary suite is a true retreat, featuring lake-facing windows, a soaking tub, and a separate shower. The expansive attic spans the entire home, offering ample storage. The beautifully landscaped property blooms year after year with hydrangeas, tulips, forsythia, azaleas, baby's breath, and dogwood trees. Plus, with a septic system built for two homes (6 bedrooms total), there's incredible potential for expansion-plans are already in place for an additional build! Whether you're searching for a family home or a rental investment, this property is a rare gem. Don't miss the chance to own a slice of tranquility with lake access, stunning scenery, and endless possibilities!

Listed by Cristina Vives of Berkshire Hathaway HomeServices Meadows Mountain Realty, Faye Wurm of Berkshire Hathaway HomeServices Meadows Mountain Realty - HF

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$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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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230 Tangleroot Road Lake Toxaway NC 28747

Lake Toxaway, NC230 Tangleroot Road

Price$449,000

Est. Mortgage: $/month

MLS Number 1003622

  • Residential
  • Bedrooms 2
  • Bathroom 1
  • Acreage 0.8

Welcome to Bearfoot Cabin, a charming mountain retreat perched atop a peaceful, wooded hillside above the West Fork of the French Broad River. The property is expected to convey with a newly surveyed homesite of approximately 0.80 acre or more, with the seller anticipating the final lot size to be nearly one acre. The generous homesite offers a wonderful sense of privacy and room to enjoy the surrounding natural beauty. Across the river lies more than 1,930 acres of protected National Forest land, helping preserve the area's natural beauty and enhancing the sense of seclusion. A convenient circular driveway provides easy access and ample parking. Relax on the covered back porch with space for outdoor dining, gather around the backyard fire pit on cool mountain evenings, and enjoy the convenience of an outdoor hot/cold shower, which is currently being completed. Inside, the cabin features a warm and inviting floor plan with an open living area filled with natural light. The kitchen offers ample cabinetry and workspace for preparing meals, while the primary bedroom provides a peaceful place to unwind. A second room is ideal for a home office, dressing room, or flexible bonus space to suit a variety of needs. Additional improvements include an encapsulated crawl space equipped with a dehumidifier, providing added protection and peace of mind. A washer and dryer are conveniently located inside the cabin. High-speed Wi-Fi is available throughout the home, making it easy to stay connected while enjoying this mountain retreat. Centrally located between the Lake Toxaway and Brevard areas, Bearfoot Cabin offers convenient access to some of Western North Carolina's most celebrated outdoor destinations, including Pisgah National Forest, Gorges State Park, and numerous hiking trails, waterfalls, rivers, and recreational opportunities. Whether you're looking for a full-time residence, weekend getaway, or investment property, this mountain retreat offers the perfect balance of privacy, comfort, and accessibility.

Listed by Cassie Neal of Silver Creek Real Estate Group,Inc.

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$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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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66 Jones Hollow Road Cullowhee NC 28723

Cullowhee, NC66 Jones Hollow Road

Price$445,000

Est. Mortgage: $/month

MLS Number 1002925

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 1.81

Tucked away in the peaceful mountains just minutes from Cashiers, this charming 3-bedroom, 2-bath retreat offers the kind of privacy that's increasingly hard to find. Set in the woods along a mountain stream, the property invites you to slow down and enjoy the simple beauty of mountain living. Expansive porch space creates the perfect setting to unwind with family, friends and neighbors-ideal for morning coffee or evening gatherings. The home sits on a rare, usable parcel with a fairly flat yard, offering excellent space for gardening, outdoor entertaining, or simply enjoying the natural surroundings. Inside, the home is warm and inviting, making it a perfect starter mountain getaway or full-time residence. This home has a roof and HVAC system installed 5 years ago. Its location combines seclusion with convenience-just a short drive to Cashiers' shopping, dining, and amenities, as well as close proximity to hiking trails, stunning waterfalls, and Lake Glenville for boating and recreation. With the added benefit of short-term rental potential, this property offers both a personal escape and an investment opportunity. Whether you're looking for a quiet retreat or a basecamp for all that Western North Carolina has to offer, 66 Jones Hollow Road delivers comfort, charm, and unmatched tranquility. For full time residents, the home may qualify for 100% financing. The listing agent can refer you to multiple lenders who are offering this option.

Listed by Philip Bradley of Cashiers Valley Real Estate LLC

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$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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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364 Shoe String Lane Glenville NC 28736

Glenville, NC364 Shoe String Lane

Price$435,000

Est. Mortgage: $/month

MLS Number 1003072

  • Residential
  • Bedrooms 2
  • Bathroom 3
  • Acreage 1

Tucked away in the popular Glenville area of Bee Tree. This view home is located in a low stress neighborhood convenient to Lake Glenville and Cashiers, NC. This 3 Bedroom, 2.5 Bath home has a large covered deck to enjoy the year round ridge line views and summer breezes. This home offers the possibility of 2 separate living spaces with private entries. Both feature their own stone wood burning fireplaces. Enjoy year round comfort with peace of mind with a metal roof, installed gas heater and recently added mini split. The lower level features a spacious laundry room and a storage room converted from a single car garage which has great potential as a workshop. Plenty of room to turn around in the large parking area with a detached 2 car carport ideal for storing an ATV or leaving behind a boat for weekend adventures. With cleared lots for pets, this generous one acre lot backs up to a large acreage tract. An affordable opportunity to get your foothold on the mountain and sit back and enjoy the view.

Listed by Michael Cox of Betsy Paul Properties,Inc.

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$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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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205 Blue Stone Trail Glenville NC 28736

Glenville, NC205 Blue Stone Trail

Price$420,000

Est. Mortgage: $/month

MLS Number 1002928

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.35

Privately situated at the top of Blue Stone Trail overlooking the peaks and valleys of Christmas tree farms all around. Every sunrise arrives differently as the seasons turn, best appreciated from the rocking chair front porch or through the floor-to-ceiling windows that draw the landscape directly into the living area. Tongue-and-groove vaulted ceilings, rich wood floors, and a large stone fireplace anchor the interior, while the open floor plan keeps the atmosphere light and easy throughout. The primary suite features a walk-in glass shower, and the guest suite offers a full tub and shower combination. Mossy Hill's grounds are as considered as the interior - beautifully landscaped garden beds with roses, rhododendrons, azaleas, hostas, and boxwoods surround the home, joined by a crab apple tree and plum tree just below. Generous outdoor space for recreation rounds out a property that functions as well as it feels. Happ's Place is five minutes away, and The Local - along with the nearest market and gas station - is seven minutes out. Downtown Cashiers is within ten minutes. Just beyond that same stretch of highway, High Falls Trail leads to a series of waterfalls through some of the most scenic terrain the Plateau has to offer. Offered turnkey and fully furnished.

Listed by Julia Banner of Silver Creek Real Estate Group,Inc.

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$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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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231 Cedar Creek Farm Road Tuckasegee NC 28783

MLS Number 1003712

  • Residential
  • Bedrooms 2
  • Bathroom 3
  • Acreage 2.67

Tucked away in a private setting, this inviting 2-bedroom, 2.5-bath home sits on 2.67 usable acres with a peaceful creek, light HOA restrictions, and room for farm animals. Complete with a peaceful creek, you'll enjoy the serenity of country living while having plenty of space to relax, entertain, and explore. Enjoy the serenity of country living just 10 minutes from Western Carolina University, offering the perfect balance of privacy and convenience. Inside, the open floor plan and main-level living create an easy flow for everyday living and entertaining. The spacious kitchen includes a walk-in pantry, and the separate laundry room adds convenience. A cozy woodstove brings warmth and charm. The finished daylight basement expands your living space with a bonus room, abundant storage, and walk-out access, offering flexibility for a rec room, office, guest space, or hobby area. Outside, you'll find ample parking, an attached garage, and a gazebo overlooking the creek-an ideal place to relax and enjoy the peaceful surroundings. Whether you're looking for a full-time residence or a private mtn retreat, this property offers the space, privacy, and versatility you've been searching for.

Listed by Alena Melton of Sundog Realty

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$
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$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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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7219 Dillard Road Scaly Mountain NC 28775

Scaly Mountain, NC7219 Dillard Road

Price$415,000

Est. Mortgage: $/month

MLS Number 1003799

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 2.6

Lovingly cared for by the same family since it was built, this charming mountain home sits on 2.6 beautifully maintained acres, offering a park-like setting with expansive front and side lawns framed by mature hardwoods. The usable landscape is perfect for gardening, outdoor entertaining, dogs or children at play, or simply enjoying the peaceful mountain surroundings. Inside, you'll find three bedrooms and two baths designed for comfortable everyday living. A covered carport and generous additional driveway parking make the property equally well-suited as a full-time residence, weekend retreat, investment property, or short-term rental. Ideally located on the Atlanta side of Highlands, this home offers the perfect balance of convenience and mountain living. Spend your days exploring scenic hiking trails, casting a line in nearby trout streams, dining at renowned local restaurants, or discovering the countless outdoor adventures that make Western North Carolina and Northeast Georgia so special. Then return home to the peace, privacy, and timeless charm of 7219 Dillard Road. Nestled in the welcoming mountain community of Scaly Mountain, where elevations approach 4,000 feet, you'll enjoy cool summer temperatures, sweeping mountain vistas, and a pace of life that invites you to slow down.

Listed by Nancy Thorpe of Highlands Sotheby's International Realty - DT

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$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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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78 Highland Drive Lake Toxaway NC 28747

Lake Toxaway, NC78 Highland Drive

Price$399,000

Est. Mortgage: $/month

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: 6.58% last updated on Jul 23, 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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96 Meadow Ridge Court Tuckasegee NC 28783

Tuckasegee, NC96 Meadow Ridge Court

Price$399,000

Est. Mortgage: $/month

MLS Number 1001898

  • Residential
  • Bedrooms 3
  • Bathroom 2
  • Acreage 0.69

Tucked at the end of a quiet street beside a tranquil mountain creek, this single-level three-bedroom home offers privacy, comfort, and access to the exceptional amenities of Bear Lake Reserve. Designed for relaxed living and effortless entertaining, the residence combines timeless mountain charm with thoughtful upgrades, ensuring peace of mind and modern convenience. Inside, soaring cathedral ceilings and a handsome stone fireplace anchor an open-concept living area that flows seamlessly into the dining and kitchen areas, making the home ideal for all kinds of gatherings. The kitchen is both functional and beautiful with granite countertops and a breakfast bar overlooking the great room - perfect for casual meals and conversations with family or guests. Each of the three bedrooms offers comfort and privacy, with the primary suite serving as a welcoming haven after a day of exploring the mountains. Outside, a screened porch with a wood-burning fireplace provides a cozy retreat on cool evenings, while the open-air deck is a perfect spot for enjoying sunny afternoons, dining alfresco, or stargazing under clear Carolina skies. The nearby gentle creek creates a soothing natural backdrop to the tranquil setting. Updates over the past 3 years include a new roof, an HVAC system, a water heater, and a washer/dryer, ensuring the home is ready for years of enjoyment. Just steps from the front door is the starting point for one of Bear Lake Reserve's many hiking trails, leading deeper into the natural beauty of the Blue Ridge Mountains. Ownership at Bear Lake Reserve offers an unparalleled lifestyle, including access to a Jack Nicklaus golf course, a state-of-the-art fitness center, a swimming pool, tennis and pickleball courts, and a marina. A vibrant calendar of community events provides opportunities to connect with neighbors and build lasting memories. From outdoor adventure and wellness to simply unwinding in a luxurious mountain setting, Bear Lake Reserve offers something for all tastes and interests. Discover a home that balances mountain serenity with resort-style living. Virtually staged photos are included to showcase the potential of the property.

Listed by Chris Duffy of Silver Creek Real Estate Group - H

$
$
%
$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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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65 Poppy Lane Cullowhee NC 28723

Cullowhee, NC65 Poppy Lane

Price$395,000

Est. Mortgage: $/month

MLS Number 1003362

  • Residential
  • Bedrooms 3
  • Bathroom 4
  • Acreage 0.62

Walk to the beautiful campus of Western Carolina University from this easily accessible, single level home that has been completely remodeled, inside and out, in the last three years. New roof, gutters, and leaf guards. Front and rear decks rebuilt and re-stained. Bathrooms rebuild from the studs. New kitchen countertops, paint, and all light fixtures. Electrical panel replaced with a 200-amp service and a whole house surge protector installed. Highly efficient Bosch heat pump. Outbuildings painted and reroofed, landscaping updated, old trees removed, and a new front door. Nice flat yards, front and back, paved all the way to the oversized carport, move in ready, great location!

Listed by Mark Brooks of Sundog Realty

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$
%
$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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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1752 Black Oak Drive Sapphire NC 28774

Sapphire, NC1752 Black Oak Drive

Price$395,000

Est. Mortgage: $/month

MLS Number 1003084

  • Residential
  • Bedrooms 2
  • Bathroom 3
  • Acreage 1

There is a peace that comes from knowing exactly where you are in the world. This 2-bedroom, 2.5-bath home in the coveted Holly Forest community offers just that: a secluded retreat perched on a shaded ridge where the noise of everyday life doesn't reach, with all SVMA amenities. Inside, an updated kitchen with granite countertops and grand living room with vaulted ceilings anchor the main space. Every room, including a spacious primary bedroom, has been thoughtfully updated, creating a welcoming canvas for someone new to make their own. A garage and large downstairs bonus area round out the interior. Amenities round out the lifestyle: pool, fitness center, par-3 golf course, and private lake access. A large deck off the front and fireplace area from the back offer great outdoor relaxation. Whether you're looking for a full-time sanctuary, a mountain escape for two, or a turnkey rental investment in one of Western NC's most sought-after communities, this home is ready for you.

Listed by Jeffrey Kahn of Betsy Paul Properties,Inc.

$
$
%
$/month over payments
Federal 30-year interest rate: 6.58% last updated on Jul 23, 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 July 25, 2026 10:13 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."