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

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: 6.58% 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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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: 6.58% 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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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: 6.58% 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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29 Regal Avenue Sylva NC 28779

Sylva, NC29 Regal Avenue

Price$310,000

Est. Mortgage: $/month

MLS Number 1003092

  • Residential
  • Bedrooms 2
  • Bathroom 2
  • Acreage 0.75

Charming and full of character, this beautifully maintained 2 bd, 1.5 bath 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: 6.58% 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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725 Ridge Crest Lane Cullowhee NC 28723

Cullowhee, NC725 Ridge Crest Lane

Price$299,000

Est. Mortgage: $/month

MLS Number 1002810

  • Residential
  • Bedrooms 1
  • Bathroom 2
  • Acreage 1.87

This charming single-level home offers easy, low-maintenance living in a peaceful mountain setting near pristine Lake Glenville-the highest elevation lake east of the Mississippi, renowned for its crystal-clear waters, boating, fishing, and stunning Blue Ridge Mountain scenery. Featuring 1 bedroom and 2 full baths, the home provides comfortable space for relaxing or hosting guests. Modern upgrades include durable luxury vinyl plank (LVP) flooring throughout, Samsung appliances and sleek white cabinetry in the kitchen, creating a bright, clean, and contemporary feel. A standout bonus office adds versatile space-perfect for remote work, hobbies, or a cozy reading nook. Step outside to the covered deck, where you'll enjoy breathtaking panoramic mountain views that change with the seasons-ideal for morning coffee, evening sunsets, or simply soaking in the fresh mountain air. Located just minutes from Lake Glenville's recreational opportunities (swimming, paddleboarding, waterfalls, and more), this property combines convenience with natural beauty. Plus, community roads are scheduled to be paved this spring, enhancing accessibility and value. Affordable mountain living at its best-don't miss this gem! Contact me today for a private showing.

Listed by Collin Taylor of RE/MAX Summit 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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1481 Clear Creek Road Highlands NC 28741

Highlands, NC1481 Clear Creek Road

Price$285,000

Est. Mortgage: $/month

Pending

MLS Number 1003281

  • Residential
  • Bedrooms 3
  • Bathroom 1
  • Acreage 0.81

Located less than four miles from Main Street in Highlands, this cozy 3-bedroom, 1-bath home offers mountain charm and convenience on a spacious 0.81-acre wooded lot. Featuring a gas fireplace heater and a peaceful natural setting, this property is the perfect opportunity to enjoy all that Highlands has to offer while still having privacy and room to relax. Previously used as a long-term rental, the home is being sold “as is” and is ready for your personal touches and vision. Whether you're looking for a full-time residence, mountain getaway, or investment opportunity, this property offers endless potential in a highly desirable location.

Listed by Alicen Phillips of Country Club Prop. / Mt. Fresh

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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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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: 6.58% 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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48 Upsy Daisy Lane Cullowhee NC 28723

Cullowhee, NC48 Upsy Daisy Lane

Price$249,000

Est. Mortgage: $/month

Active With Contract

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

$
$
%
$/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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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: 6.58% 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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191 Chowan Drive Highlands NC 28741

Highlands, NC191 Chowan Drive

Price$225,000

Est. Mortgage: $/month

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: 6.58% 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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197 Tuts Terrace Sylva NC 28779

Sylva, NC197 Tuts Terrace

Price$225,000

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: 6.58% 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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2094 Fisher Creek Road Sylva NC 28779

Sylva, NC2094 Fisher Creek Road

Price$175,000

Est. Mortgage: $/month

MLS Number 1002547

  • Residential
  • Bedrooms 2
  • Bathroom 4
  • Acreage 0.71

Rare opportunity to own .71± acres of level, creek-front land in an unbeatable Sylva location - right next door to Pinnacle Park! This beautiful west facing property features mature trees, peaceful water frontage, and easy access from a state-maintained paved road, offering both natural charm and everyday convenience. The land is level and usable, making it ideal for building your dream home, mountain retreat, or investment property. Enjoy the soothing sounds of the creek and the privacy provided by established trees, all while being just minutes from downtown Sylva's shopping, dining, and schools. Outdoor lovers will appreciate having miles of hiking trails and scenic overlooks literally next door. A single-wide home is already on the property being sold as is, providing a place to stay or rent out while you build. Hard-to-find combination of buildable creek frontage, prime location, and existing home - don't miss this chance to create your perfect Smoky Mountain getaway or full-time residence.

Listed by Judith Preiato of Jackson County Realty 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.

Save FavoriteSchedule TourAsk A QuestionMore Details

 "Based on information submitted to HCBOR as of July 25, 2026 9:43 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."