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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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577 Paul Mccoy Road Lake Toxaway NC 28747

Lake Toxaway, NC577 Paul Mccoy Road

Price$154,000

Est. Mortgage: $/month

Active With Contract

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: 6.58% 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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345 Scotch Highlands Loop Sapphire NC 28774

Sapphire, NC345 Scotch Highlands Loop

Price$152,000

Est. Mortgage: $/month

MLS Number 1003597

  • 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: 6.58% 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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146 Scotch Highlands Loop Sapphire NC 28774

Sapphire, NC146 Scotch Highlands Loop

Price$150,000

Est. Mortgage: $/month

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: 6.58% 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

256 Scotch Highlands Loop Sapphire NC 28774

Sapphire, NC256 Scotch Highlands Loop

Price$145,000

Est. Mortgage: $/month

Pending

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: 6.58% 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

68 On The Rocks Sapphire NC 28774

Sapphire, NC68 On The Rocks

Price$145,000

Est. Mortgage: $/month

Pending

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: 6.58% 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."