Locust Homes under $500,000

Welcome to Locust, North Carolina—a hidden gem nestled in the heart of Stanly County, where small-town charm meets modern convenience. With its friendly atmosphere, beautiful landscapes, and a strong sense of community, Locust is an ideal place for families, retirees, and everyone in between. Just a short drive from the bustling city of Charlotte, Locust offers the perfect balance of serene living and easy access to urban amenities.

One of the most appealing aspects of Locust is its diverse housing market, particularly for those seeking homes under $500,000. Here, you can find a variety of options, from charming single-family homes to spacious townhouses, all designed to cater to different lifestyles and budgets. Whether you’re a first-time homebuyer or looking to downsize, Locust has something for everyone.

Imagine settling into a cozy home with a backyard perfect for summer barbecues, or a contemporary space with modern finishes and open-concept living. The affordability of homes in this picturesque city allows you to invest in your dream lifestyle without breaking the bank.

In addition to its attractive housing options, Locust boasts excellent schools, lovely parks, and a vibrant local culture. Enjoy leisurely strolls along tree-lined streets, explore the nearby Uwharrie National Forest, or partake in community events that bring neighbors together.

With its welcoming spirit and affordable homes, Locust, NC is more than just a place to live—it's a place to thrive. Come discover your future home in this delightful city today!

Newest Locust Homes under $500,000

$350,000

2 Beds ⋅ 2 Baths ⋅ 4435834 MLS

Estate sale opportunity in Locust with no HOA! Situated on a private 1.84-acre unrestricted lot with a large carport, plenty of additional parking, a large outbuilding, and a roof replaced in 2020, this ranch home offers immense potential for investors or buyers ready to bring their vision. To expand your private retreat even further, two additional connecting lots are available for purchase separately: Parcel ID 557603419924 (1.44 acres) and Parcel ID 557603416674 (1.56 acres), bringing the total combined potential to just under 5 acres, MLS # 4435835. Inside, the home features a functional open floor plan with a spacious living room centered around a fireplace (note: the main fireplace flue has been sealed off), a connecting dining room, and a bright, relaxing sunroom that offers wonderful views of the private backyard. The kitchen is equipped with tons of cabinets, storage space, and an eat-up breakfast bar, with stainless steel appliances that convey including the refrigerator, microwave, range, and dishwasher. The main level currently features 2 bedrooms, 1 full bathroom, and 1 half bathroom, with the 3rd original bedroom currently utilized as a laundry room that can easily be converted back. Utility features include city water connection, a septic system (with the option to hook up to city sewer for additional fees), and an on-site well that is currently used to water the garden. Please note that the home is sold strictly AS-IS, WHERE-IS with no repairs by the seller. The property needs TLC, including addressing foundation issues, moisture, and fungal growth in the basement, as well as some fungal growth in a few areas on the main floor. An official report from Foundation Drs is available and can be shared with seriously interested parties. The spacious basement holds incredible potential for additional finished space once the structural and moisture concerns are properly handled. Located just moments from all the quaint local shops and restaurants of Locust, this property combines quiet country freedom with everyday convenience.

816 Central Avenue, Locust

$379,900

3 Beds ⋅ 2 Baths ⋅ 4433565 MLS

Enjoy the best of small town living in the heart of Locust Town Center! This charming 3-bedroom, 2-bath ranch offers an open floor plan designed for comfortable everyday living and entertaining. The spacious kitchen features granite countertops, stainless steel appliances, an abundance of cabinet space, a breakfast bar, and a cozy breakfast nook. A separate dining area provides additional space for gatherings. The owner's suite features walk-in closets, double vanities, and a 2-car garage adds convenience and storage. One of the best features of this home is its location! Locust Town Center offers a wonderful sense of community with the convenience of being able to walk to local restaurants, a bakery, ice cream shops, a brewery, and other nearby businesses. Enjoy community events at Town Hall, including concerts, festivals, and the seasonal farmers market, all just a short stroll away. Experience the charm of a quiet neighborhood while having so much right at your fingertips! Outdoor enthusiasts will appreciate the proximity to local parks, Morrow Mountain State Park, Lake Tillery, and Badin Lake. Plus, with convenient access to Charlotte, you can enjoy small town living without sacrificing access to the city. This home truly offers a great combination of comfort, community, and convenience!

639 Ardsley Drive, Locust

$259,500

2 Beds ⋅ 2 Baths ⋅ 4432582 MLS

** SELLER IS OFFERING UP TO $10,000 CLOSING ASSISTANCE** Welcome Home, Beautiful Improved and thoughtfully maintained 2-bedroom, 2 full -bath home in the heart of Locust ! From the moment you arrive , you'll appreciate the inviting appeal and effortless blend of comfort and modern style throughout. The detailed beautiful improved kitchen is a standout feature, offering a fresh, sophisticated feel and ideal space for everyday living and entertaining. Two full bathrooms provide added convenience, the attached one-carport offers practical storage and easy access. Step outside to the deck , creating wonderful space to relax, entertain, or enjoy your mornings/afternoons/evenings. Ideally situated just minutes from locust Town Center, this home puts restaurants, shopping, and everyday convenience close at hand. Enjoy an easy commute to Charlotte, Concord, Albemarle, Mint hill, Monroe, Harrisburg , each approximately 30 minutes away. About 30- minutes from Badin lake and lake Tillery !! Again Welcome Home !

105 Dogwood Street, Locust

$392,950

5 Beds ⋅ 3 Baths ⋅ 4431888 MLS

This 5-bedroom, 3-bath home has thoughtfully designed living space in one of Locust's nicest communities. The open main level centers on a kitchen with a generous island overlooking the breakfast area and great room, a layout made for everyday living and easy entertaining. A main level flex room/office gives you room to work from home, host guests. Upstairs, the primary suite features walk-in closet / dual vanities / garden tub], joined by 4 additional bedrooms and a convenient upstairs bonus room.

214 Wildflower Drive Unit #26, Locust

$249,000

3 Beds ⋅ 2 Baths ⋅ 4430842 MLS

Room to spread out, space to unwind, and beautiful updates to enjoy! Welcome home to this well maintained property on 1.74 cleared, level acres with no restrictions. Inside, you’ll find stylish waterproof luxury vinyl plank flooring throughout, new kitchen cabinets and backsplash, stainless steel appliances, and freshly renovated bathrooms. The spacious, inviting layout offers plenty of room for everyday living and gathering with friends and family. A new roof in 2026 and gutters add to the home’s appeal. Step outside and picture peaceful afternoons relaxing on your deck, backyard cookouts, or simply enjoying your expansive outdoor space. A storage shed conveys, providing extra room for tools and outdoor essentials. Beautiful updates, an inviting home, and room to make it your own come see the possibilities!

20538 Running Creek Church Road, Locust

$360,000

3 Beds ⋅ 3 Baths ⋅ 4429895 MLS

Unique opportunity to purchase this property "Subject To" the existing loan. You do not need to qualify for a new loan! This property can be sold with traditional financing options or a creative structure. Please inquire with agent or check agent remarks for additional information. Subject To opportunity available! Seller is open to a creative purchase structure, including selling the property subject to the existing loan, as well as traditional financing options. This beautiful 2-story Meadowcreek home features 3 bedrooms, 2.5 bathrooms, approximately 1,923 heated square feet, open-concept living, a spacious kitchen, bright interior spaces, main-level laundry, and an attached 2-car garage. Conveniently located in Locust with city water and city sewer. Please contact listing agent for details on available purchase options and Subject To terms.

8176 Chilkoot Lane, Locust

$305,000

3 Beds ⋅ 2 Baths ⋅ 4426643 MLS

Looking for a move-in ready home on a large lot in Locust? This full brick ranch sits on a generous .66-acre lot with NO HOA, offering the freedom you’ve been searching for. Inside, you’ll find fresh paint, a recent kitchen countertop and backsplash and no carpet. The outdoor living space features a level, fenced yard with a stunning patio complete with a brick fireplace—perfect for gardening or just relaxing evenings under the stars. In addition, there's extra parking space for additional vehicles or guests. Don’t miss this rare opportunity to own a solid, classic home with incredible outdoor appeal. This location is unbeatable—you’re just minutes from local shopping and dining, with Highway 485 approximately 20 minutes away for easy access to Charlotte. If you’ve been searching for a brick home with a sprawling yard and easy access to everything you need, this is the one.

101 Morningstar Drive, Locust

535 Gentle Bend Cove Unit #271bp, Locust

$350,900

2 Beds ⋅ 2 Baths ⋅ 4425666 MLS

PROPOSED SEMI-CUSTOM RANCH IN WHISPERING HILLS! The Cyprus offers efficient single-level living with flexible bedroom and bath configurations and the opportunity to personalize available structural and design selections. Buyers can choose from available options to tailor the home’s layout, finishes and features to their needs while enjoying new construction in Whispering Hills. Conveniently located near Locust shopping, dining and services with access to Charlotte, Concord and Monroe, the community also includes planned amenities such as a pool, playground and green space. Proposed construction. Contact us for current plan, homesite and personalization details.

535 Gentle Bend Cove Unit #271bp, Locust

130 Soft Breeze Bend Unit #166bp, Locust

$366,900

3 Beds ⋅ 3 Baths ⋅ 4425665 MLS

PROPOSED SEMI-CUSTOM HOME IN WHISPERING HILLS! The Hudson offers approximately 2,069 sq. ft. with 3 bedrooms and 2.5 baths, plus a versatile upstairs Game Room and flexible main-level living space. The open Great Room, Dining Room and Kitchen create an easy flow for everyday living, while a separate Flex Room provides additional space for a home office, hobby room or other use. Upstairs, the spacious Primary Suite is joined by 2 secondary bedrooms, a full bath, laundry and the Game Room. Buyers can personalize available structural and design selections, including expanded garage configurations, additional bedroom and bath layouts, outdoor living options and Primary Bath upgrades. Whispering Hills is conveniently located near Locust shopping, dining and services with access to Charlotte, Concord and Monroe. Planned community amenities include a pool, playground and green space. Proposed construction. Contact us for current plan, homesite and personalization details.

130 Soft Breeze Bend Unit #166bp, Locust

$420,000

4 Beds ⋅ 3 Baths ⋅ 4421000 MLS

Space, storage, flexibility and a great backyard—226 Autumn Sage has so much to offer! Built in 2023, this 4-bedroom, 2.5-bath home offers 2,824 sq. ft. with a floor plan designed to give everyone room to spread out. The main level features a spacious kitchen with abundant cabinet and countertop space, a walk-in pantry and a large eat-in area. A formal dining room is ready for special gatherings, while the separate flex room, currently used as a sitting room, can easily function as a home office or playroom. The laundry room is conveniently located on the main level. Upstairs, you'll find even more usable living space with a large loft—perfect for a second family room or rec space. The spacious primary suite offers a true retreat with an oversized bedroom, private bath and large walk-in closet. The secondary bedrooms are generously sized as well, and storage is a standout feature—all four bedrooms have walk-in closets! Outside, enjoy a large, level backyard that is fully enclosed with a privacy fence and has no homes directly behind it, creating a more private and open feel. There's plenty of room for pets, play and outdoor entertaining. The upgrades continue into the finished garage with epoxy floors, creating a clean, polished and versatile space. The water softener system is another added bonus. Enjoy the small-town feel of Locust with parks, local restaurants, community events and a growing Town Center, while still being approximately 28 miles from Uptown Charlotte. Closer to home, enjoy the neighborhood cabana, pool, playground and walking trails.

226 Autumn Sage Drive, Locust

$498,500

3 Beds ⋅ 2 Baths ⋅ 4420599 MLS

Welcome to the first home in Ridgecrest Farms, Locust’s newest boutique neighborhood—an intimate community planned for just 18 homesites. Situated on nearly ¾ of an acre in a peaceful country setting, this thoughtfully designed semi-custom home lives larger than its square footage. The open-concept, split-bedroom floor plan offers 3 bedrooms, a dedicated office and 2 full baths, with an efficient layout, abundant storage and spacious indoor and outdoor living areas. Built from the ground up with quality in mind, this home includes premium framing lumber, Weyerhaeuser Gold subflooring, radiant-barrier roof sheathing, synthetic roofing underlayment, Atlas Pinnacle shingles, fiberglass exterior doors and an upgraded interior trim package. Additional upgrades you may not immediately see include an insulated primary-bedroom wall for added sound control, moisture-resistant bathroom drywall, foundation drainage and an insulated garage. The kitchen is designed to be both beautiful and functional, featuring custom shaker cabinetry with soft-close doors and drawers, wood drawer boxes and convenient roll-outs, quartz countertops, a farmhouse sink and a large walk-in pantry. A 7-foot island provides generous workspace and seating while incorporating the built-in microwave. Upgraded stainless-steel appliances include a gas range with a range hood vented to the exterior. The kitchen flows directly into the dining and living areas, creating an open, spacious feel that's ideal for everyday living and entertaining. The private primary suite features a spacious bath with dual vanities, a freestanding soaking tub, walk-in cultured-marble shower and generous closet space. On the opposite side of the home are two additional bedrooms with large closets, a full bath with linen storage, a dedicated office and a separate laundry room with another linen closet and custom cabinetry above the washer and dryer. LVP flooring runs throughout the home. Storage has been thoughtfully incorporated throughout the floor plan, including the walk-in pantry, generous bedroom closets, multiple linen closets, laundry cabinetry and attic storage above the garage—another reason this home lives so comfortably and efficiently. Extend your living space outdoors with a 6' x 20' covered front porch, a spacious 10' x 18' screened back porch perfect for morning coffee, and an adjoining 10' x 16' patio ready for grilling and entertaining. A dedicated outdoor gas line and hot-and-cold exterior hose bib add even more convenience. The oversized 24' x 24' insulated two-car garage provides plenty of room for vehicles and storage and includes a Wi-Fi-enabled garage door opener, and dedicated freezer outlet. Enjoy a quiet country setting approximately 10 minutes from Locust Town Center and within easy driving distance of Lake Tillery, Badin Lake, Morrow Mountain State Park and Uwharrie National Forest. Planned Ridgecrest Farms amenities include a fishing pond, walking trail, dog park, picnic area and streetlights. From its efficient, spacious-feeling floor plan and custom cabinetry to the upgraded structural materials and thoughtful details behind the walls, this home was designed and built with an attention to quality that goes well beyond what you typically see in new construction.

25011 Elias Trails Road, Locust

$499,900

3 Beds ⋅ 2 Baths ⋅ 4418734 MLS

BACK ON THE MARKET! Through no fault of the sellers, this one is available again! Their loss could be your opportunity. This one won’t last! This **3-bedroom, 2-bath home** offers plenty of space inside and out, including a **true 2-car garage with a bonus room above**. Situated on a spacious **.74-acre lot in a NO HOA neighborhood**, the standout feature is the massive **42x42 shop/barn**—large enough to accommodate a **39-foot RV** and equipped with an **RV power hookup, water, and electricity**! Enjoy the **covered back patio**, newer roof, and updated flooring throughout. **Appliances convey**, with the possibility of additional extras. Whether you need room for an RV, workshop, hobbies, storage, or all of the above, this property is a rare find. **A must-see—schedule your showing before it’s gone!** Gas logs worked but have been unhooked and propane tank returned to company. Most windows have been replaced as well. This home will not disappoint.

620 Redah Avenue, Locust

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Listings provided courtesy of Triangle MLS, Inc. of NC, Internet Data Exchange Database. Information deemed reliable but not guaranteed. © 2026 Triangle MLS, Inc. of North Carolina. Data last updated .

Locust Homes under $500,000

Newest Locust Homes under $500,000

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