Monroe Homes under $400,000

Welcome to Monroe, North Carolina—a charming city that beautifully blends small-town warmth with modern conveniences. Nestled in Union County, Monroe is known for its rich history, vibrant community, and scenic surroundings. With its friendly atmosphere and a variety of local amenities, it’s no wonder that Monroe has become a sought-after destination for families, young professionals, and retirees alike.

Monroe boasts a delightful mix of parks, shops, and dining options that cater to all tastes. The historic downtown area is particularly inviting, featuring quaint boutiques, cozy cafes, and a bustling farmers market that showcases local produce and crafts. Outdoor enthusiasts will appreciate the abundance of green spaces, including the picturesque Lake Twitty and the expansive Monroe Park, perfect for picnics, walking trails, and family outings.

For those seeking a place to call home, Monroe offers an impressive selection of properties under $400,000. Whether you're looking for a charming single-family home, a cozy townhouse, or a spacious condo, you’ll find a variety of options to suit your lifestyle and budget. Many of these homes feature modern amenities, spacious layouts, and beautiful yards, making them ideal for both first-time buyers and those looking to downsize.

With its affordable housing market, welcoming community, and convenient access to Charlotte and other nearby cities, Monroe is an ideal place to settle down. Come explore the possibilities and discover why so many are choosing to make Monroe their home sweet home!

Newest Monroe Homes under $400,000

$365,000

4 Beds ⋅ 3 Baths ⋅ 4436188 MLS

815 Southridge Dr is a 2-story Monroe home with four bedrooms, two full bathrooms, and a half bath. White cabinetry and generous counters define the kitchen, where a breakfast area opens toward the rear patio. The main living room features a fireplace, while a separate front sitting room and dining room provide additional space for entertaining or working at home. Upstairs, the primary suite includes a walk-in closet and a bathroom with a soaking tub and separate shower. Three more bedrooms complete the upper level. A broad patio extends into the lawn, and an attached two-car garage adds enclosed parking. Included 100-Day Home Warranty with buyer activation

815 Southridge Drive, Monroe

$350,000

3 Beds ⋅ 2 Baths ⋅ 4436153 MLS

An island kitchen and a broad fireplace living room give 2006 Overhill Dr distinct spaces for cooking and gathering. White cabinetry wraps around the kitchen, with counter space along the perimeter and an adjoining dining area overlooking the yard. An arched opening connects the kitchen to the main living space, where windows line the front wall. Bedrooms share the main level with full bathrooms, keeping the daily layout on one floor. A laundry area and unfinished basement add utility and storage space. Outside, the brick exterior, covered front porch, attached carport, rear patio, and mature trees give the home a setting with room around it. Included 100-Day Home Warranty with buyer activation

2006 Overhill Drive, Monroe

$299,000

3 Beds ⋅ 2 Baths ⋅ 4435463 MLS

Welcome to peaceful living on this property tucked atop a gently sloping lot and covered by the shade of mature oaks. This split-level home features a spacious living room anchored by a large, custom brick fireplace with dual storage boxes and framed by charming circular windows. A large bay window welcoming plenty of natural light completes the space. A short flight of stairs descends to a bedroom featuring a large closet and en-suite bathroom. A second room downstairs can be used as an office or secondary living area. A short flight of stairs climbing up from the central living room features two additional bedrooms, each with ample closet space and plenty of windows. Each of the bedrooms and living areas feature beautiful hardwood flooring. This home provides the perfect combination of spaces to gather as well as plenty of room to retreat and relax with plenty of opportunities to renovate and upgrade to add your personal style. Located just off Hwy 601, this property features easy access to Monroe, NC and Pageland, SC for shopping and dining.

5923 Stack Road, Monroe

$364,900

4 Beds ⋅ 3 Baths ⋅ 4436082 MLS

Beautiful stacked-stone accents, a tree-lined homesite and room to spread out in established Scotch Meadows! This inviting 4-bedroom home offers 2,201 square feet with a thoughtfully designed layout that balances comfortable everyday living with flexible spaces for work and entertaining. A separate Study and Dining Room welcome you inside, while the spacious Great Room and Kitchen create a natural gathering place. The Kitchen features quartz countertops, tile backsplash and stainless-steel appliances. Upstairs, retreat to the generous Primary Suite featuring a private bath with dual vanity, walk-in closet and a cozy sitting area. Three additional bedrooms, a full bath and conveniently located laundry complete the second floor. Step outside to enjoy the rear patio and tree-lined backyard setting, offering a peaceful backdrop for relaxing or entertaining. Refrigerator, washer, dryer and window blinds convey! Seller is offering up to $700 in seller-paid closing costs (SPCC) toward a home warranty for added peace of mind. An attached 2-car garage and the charm of a fully established neighborhood complete the package, with convenient access to Monroe's shopping, dining and historic downtown.

812 Scotch Meadows Loop, Monroe

$332,000

3 Beds ⋅ 3 Baths ⋅ 4436024 MLS

5005 Manchineel Ln is a 2-story Monroe home with three bedrooms and two-and-a-half bathrooms in St. Johns Forest. The kitchen pairs a central island with white cabinetry and a window-lined dining area, creating a bright setting for meals and preparation. A separate living room provides generous space to arrange seating without crowding the kitchen. Upstairs, the primary bedroom has a connected bathroom, while two additional bedrooms and a second full bath share the level with the laundry area. A patio extends into the fenced backyard, and an attached one-car garage completes the layout. Included 100-Day Home Warranty with buyer activation

5005 Manchineel Lane, Monroe

$329,000

3 Beds ⋅ 3 Baths ⋅ 4435759 MLS

Beautiful End-Unit Townhome in Charlestown | Main-Level Primary Suite | New Roof & Freshly Painted Exterior Welcome to this spacious and well-maintained end-unit town home in the desirable Charlestown community of Monroe. This home combines comfortable living spaces with the convenience of low-maintenance townhome living. The thoughtfully designed floor plan features a main-level primary suite, providing privacy and easy accessibility. The main living areas offer beautiful hardwood floors, while the kitchen features granite countertops, stainless steel appliances, and plenty of space for everyday living and entertaining. Upstairs, you'll find two generously sized bedrooms with brand-new carpet, along with additional flexible space for guests, family, or a home office. Recent improvements include a new roof, freshly painted exterior, and new carpet in both upstairs bedrooms, giving buyers added peace of mind and reducing the need for immediate updates. As an end unit, the home offers additional privacy and a more open feel. The fenced backyard and patio provide a comfortable outdoor space for relaxing, grilling, or entertaining. An attached one-car garage adds convenience and extra storage. Residents of Charlestown also enjoy access to a community swimming pool. The location offers convenient access to shopping, restaurants, and major routes connecting Monroe, Indian Trail, Matthews, and the greater Charlotte area. SPECIAL BUYER INCENTIVE: The seller will pay the first full year of HOA dues — a $3,600 value! With its spacious floor plan, main-level primary suite, recent exterior improvements, and desirable end-unit location, 2825 Hopeton Court is an excellent opportunity for buyers looking for comfort, convenience, and value.

2825 Hopeton Court, Monroe

$389,900

3 Beds ⋅ 3 Baths ⋅ 4435715 MLS

Charming 3-bedroom, 2.5-bath home featuring a bright living room with soaring ceilings and a cozy fireplace. The spacious primary suite offers a private bathroom with a relaxing garden tub and dual vanities, plus a walk-in closet. All bathrooms feature updated vanities and commodes. Recent upgrades include a new roof, HVAC unit, and backyard fence. Enjoy a large fenced backyard with double gates on both sides, offering convenient access and potential storage for an RV, boat, trailer, or recreational equipment. Additional highlights include a two-car garage and ample driveway parking. A wonderful combination of comfort, updates, and outdoor versatility!

3912 Southwick Drive, Monroe

$249,900

2 Beds ⋅ 3 Baths ⋅ 4435666 MLS

Dual Primary Suites in Monroe Under $250K! Welcome to 2053 Twilight Lane, a rare find in today’s market. This townhouse offers dual spacious primary suites, a layout that’s hard to find in this area and perfect for roommates, guests, multigenerational living, or anyone who wants extra privacy and flexibility. The open floor plan feels bright and spacious with 9 ft ceilings on the main floor. A comfortable family room flows into the dining area which is serviced by a functional kitchen with abundant cabinets and counter space. Upstairs features both dual primary suites while one features a garden tub and dual sinks, a great place to unwind at the end of the day. A rear-loading one-car garage keeps the front of the home clean and uncluttered. Beyond the home itself, Monroe offers the best of Union County living. Enjoy the charm of its historic downtown, with local shops, restaurants, and community events, plus a welcoming small-town feel. Monroe is also just a short drive from Charlotte, so you can have big-city jobs, dining, and entertainment within easy reach while coming home to a more affordable and relaxed pace of life. Priced just under $250,000, this home delivers exceptional value in the current economy, with low-maintenance townhouse living and a floor plan you won’t find just anywhere. And, for those looking for a strong investment, the HOA does allow long term leases as well!

2053 Twilight Lane, Monroe

$360,000

3 Beds ⋅ 2 Baths ⋅ 4435412 MLS

This beautifully renovated 3-bedroom, 2-bath home sits on a flat, level 0.41-acre lot with a spacious yard and mature landscaping. No stone was left unturned in this overhaul—the crawlspace was completely redone, featuring new ductwork, brand-new flooring, sleek new countertops, fresh cabinets, and updated hardware throughout. Brand new appliances including stainless-steel dishwasher and refrigerator, washer/dryer make this home truly turnkey and move-in ready. The third bedroom offers incredible flexibility with its own private entrance, making it ideal for a home office, guest suite, studio, playroom, or hobby space tailored to your lifestyle. Outside, enjoy an inviting front porch, beautiful mature trees, and an expansive yard with endless room to entertain, garden, play, or relax. All the major updates are done—just bring your belongings and start enjoying your new home!

103 S Westover Drive, Monroe

$165,900

2 Beds ⋅ 2 Baths ⋅ 4435620 MLS

Enjoy your own affordable slice of the country on this beautiful, over 1-acre lot in the desirable Piedmont school district! Tucked far off the road and backing up to picturesque rolling fields, this property offers privacy, peaceful surroundings, and plenty of potential. Three sprawling porches provide the perfect place to relax and take in the country views. The home features a metal roof, bathrooms that have seen updates in recent years, and a metal storage shed in the yard for added convenience. Whether you're looking for an affordable primary residence or your next investment opportunity, this property is full of possibilities! The home does need repairs and updating, making it a great fit for a handy buyer or renovator ready to bring their vision to life. **Cash buyers only** Schedule your showing today to see the possibility to make this a home!

2819 Highway 218 Highway, Monroe

$310,000

3 Beds ⋅ 1 Baths ⋅ 4435441 MLS

404 E Talleyrand Street, Monroe

$299,135

3 Beds ⋅ 3 Baths ⋅ 4435369 MLS ⋅ Riverstone BLDG.

Welcome to the BRAND-NEW Riverstone flagship community! Check out this wonderful new Graylyn 2-story attached townhome! This home features partial brick and James Hardie plank siding exterior. Enormous owner's suite, SS appliances, upgraded interior finishes, double vanity owner's bath, granite countertops, full sod/landscaping with lawn services. 3 Bedrooms/2 Full and 1 Half Baths. All of the finishes you would expect in a brand-new home! Lovely new community with future clubhouse, pool, playground, pickleball and so much more! Easy access to the Monroe Bypass! HOA includes high-speed internet and cable TV.

2025 Riverstone Boulevard, Monroe

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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 .

Monroe Homes under $400,000

Newest Monroe Homes under $400,000

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