Troy Homes under $250,000

Welcome to Troy, North Carolina – a hidden gem nestled in the heart of Montgomery County! This charming city combines small-town warmth with a rich tapestry of history and natural beauty, making it an ideal place to call home. With its picturesque landscapes and friendly community, Troy offers a serene lifestyle that is perfect for families, retirees, and anyone seeking a peaceful retreat.

Troy boasts a variety of amenities, including local shops, delightful dining options, and recreational parks that cater to outdoor enthusiasts. The nearby Uwharrie National Forest provides a stunning backdrop for hiking, camping, and fishing, ensuring that adventure is always just around the corner. For those who appreciate a strong sense of community, Troy hosts numerous events throughout the year, fostering connections among residents and creating a vibrant atmosphere.

One of the most appealing aspects of Troy is the accessibility of affordable housing. With homes available for under $250,000, this city presents an excellent opportunity for first-time buyers, investors, or anyone looking to downsize without compromising on quality of life. These homes often feature charming designs, spacious yards, and are conveniently located near essential amenities, making them perfect for those who want to enjoy the best of both worlds – affordability and comfort.

Whether you’re searching for a cozy bungalow or a family-friendly residence, Troy’s real estate market has something to offer everyone. Embrace the opportunity to live in a city that blends tranquility with community spirit. Discover your dream home in Troy, NC today!

Newest Troy Homes under $250,000

$214,800

2 Beds ⋅ 2 Baths ⋅ 4437925 MLS

Located in an established neighborhood, 220 N Russell St offers convenience, potential, and small-town charm. Enjoy walking-distance access to Main Street and Troy Elementary School, with the outdoor enthusiast only being a short drive from Uwharrie National Forest. As Troy continues to grow, this property presents an excellent opportunity for investors or first-time buyers ready to make a home their own. The home needs updating, providing the chance to add value and personalization to fit your vision. Schedule your showing today.

220 N Russell Street, Troy

$240,000

2 Beds ⋅ 2 Baths ⋅ 1237316 MLS

Discover the possibilities at 230 Sugar Loaf Road! Set on approximately 9.80 acres in the Pointe South area near Lake Tillery, this property offers privacy, rolling terrain, mountain views and room to enjoy the outdoors. The 2-bedroom, 1.5-bath manufactured home features approximately 1,084 heated square feet, a living room, kitchen and separate office for work or hobbies. An electric range, oven, refrigerator, washer and dryer are included. A detached carport provides covered parking, while the workshop offers space for projects, tools, equipment or storage. An installed well and septic system and a heat pump provide daily convenience. Boat ramp access adds to the appeal for those who enjoy the Lake Tillery lifestyle. Whether you envision a full-time home, quiet getaway or acreage to make your own, this property offers space and flexibility in a country setting. Bring your ideas and explore the potential of this home and land, with room to create the retreat you've been searching for.

230 Sugar Loaf Road, Troy

$240,000

2 Beds ⋅ 2 Baths ⋅ 4428969 MLS

Discover the possibilities at 230 Sugar Loaf Road! Situated on approximately 9.80 acres in the Pointe South area, this property offers space, privacy and a peaceful country setting near beautiful Lake Tillery. The rolling landscape and mountain views create an inviting backdrop with plenty of room to enjoy the outdoors, pursue hobbies or simply appreciate having acreage of your own. The property features a 2-bedroom, 1.5-bath manufactured home offering approximately 1,084 square feet of heated living area. Inside, you'll find a living room, kitchen, primary bedroom, additional bedroom, full bath, half bath and a separate office—providing flexibility for working from home, hobbies or additional usable space. The kitchen includes an electric range, oven and refrigerator, and the washer and dryer are also included. Outside, a detached carport provides covered parking, while the workshop offers valuable space for projects, equipment, tools or storage. The property has an installed well and septic system and is served by a heat pump for heating and cooling. For those who love the Lake Tillery lifestyle, access to a boat ramp adds another reason to take a closer look. Whether you're searching for a full-time residence, a peaceful getaway, or acreage with room to make your own, this 9.8-acre property offers an opportunity that's becoming increasingly hard to find. Come explore the space, setting and possibilities.

230 Sugar Loaf Road, Troy

$129,500

2 Beds ⋅ 1 Baths ⋅ 1235579 MLS

Nestled beneath beautiful mature shade trees on a spacious 1-acre lot, this charming 1935 bungalow offers the character of an older home along with a comfortable, functional floor plan. With approximately 1,231 square feet, the home features two bedrooms, one full bath, living room, den, dining area and kitchen, all conveniently located on one level. A screened porch provides a wonderful spot to relax and enjoy the peaceful outdoor setting. The generous homesite provides plenty of room to enjoy the outdoors, garden or simply unwind beneath the established trees, while a detached storage building offers additional space for lawn equipment, tools and outdoor belongings. A gravel driveway provides off-street parking, while city water and an installed septic system serve the property. With its classic bungalow appeal, mature landscape, screened porch, storage building and full acre of land, this property offers a wonderful opportunity to make it your own.

148 Oscar Road, Troy

$129,500

2 Beds ⋅ 1 Baths ⋅ 4424468 MLS

Nestled beneath beautiful mature shade trees on a spacious 1-acre lot, this charming 1935 bungalow offers the character of an older home along with a comfortable, functional floor plan. With approximately 1,231 square feet, the home features two bedrooms, one full bath, living room, den, dining area and kitchen, all conveniently located on one level. A screened porch provides a wonderful spot to relax and enjoy the peaceful outdoor setting. The generous homesite provides plenty of room to enjoy the outdoors, garden or simply unwind beneath the established trees, while a detached storage building offers additional space for lawn equipment, tools and outdoor belongings. A gravel driveway provides off-street parking, while city water and an installed septic system serve the property. Conveniently located near Troy while offering the space and setting of a larger homesite. With its classic bungalow appeal, mature landscape, screened porch, storage building and full acre of land, this property offers a wonderful opportunity to make it your own.

148 Oscar Road, Troy

$249,000

3 Beds ⋅ 2 Baths ⋅ 4418511 MLS

Step back in time with this sweet 1944 cottage, offering 1,510 square feet of character and charm on 2 parcels totaling 1.73 acres. Beautiful hardwood floors add warmth and timeless appeal, while modern convenience comes with fiber internet already installed. Located within the city limits, this property offers the added benefit of city services while still providing plenty of land to enjoy. A charming home with room to make it your own, this one offers a wonderful blend of vintage character, acreage, and convenience. Don’t let this little gem slip away!

181 Williamson Street, Troy

$189,000

1 Beds ⋅ 1 Baths ⋅ 4412823 MLS

Tiny Farmhouse Charm, Brand-New Construction! Small in size, big on charm! This adorable new-construction tiny farmhouse offers thoughtful design and comfortable living without the excess. Enjoy relaxing on the covered front porch or head to the covered rear porch, complete with a screened area and ceiling fans, perfect for enjoying the outdoors in comfort. Inside, the open layout features an dine-in bar that makes meals and entertaining easy. A bonus room with a convenient laundry closet adds flexible space and functionality. Situated on a corner lot and Energy Efficiency Certified, this little farmhouse is designed for easy, efficient living. Tiny footprint. Big personality. Brand-new and ready to call home!

202 W Roswell Street, Troy

$159,000

1 Beds ⋅ 1 Baths ⋅ 4412819 MLS

Tiny but Mighty! Small in size, big on efficiency and charm! This 500-square-foot tiny house is thoughtfully designed to make the most of every inch while offering low-maintenance living and impressive energy efficiency. With it's certified energy efficiency & 15-year maintenance free construction, this home is built for easy living and long-term peace of mind. The beautifully landscaped grounds add to its curb appeal and create a welcoming outdoor space. Perfect for those looking to simplify, downsize, enjoy a low-maintenance lifestyle, or own a unique investment property. Tiny footprint. Mighty possibilities.

619 Railroad Avenue, Troy

$249,000

3 Beds ⋅ 2 Baths ⋅ 4406442 MLS

This 1920's elegant farmhouse features a classic architectural style with a wrap around front porch. Vintage charm...lots of character....hardwood floors, updated kitchen & bathrooms. Additional building can allow for storage, work shop or recreation. Spacious back deck perfect for outdoor entertaining & enjoying the sun shine. Convenient location within a few short miles of the Uwharrie National Forest.

130 Shiloh Road, Troy

$49,900

2 Beds ⋅ 1 Baths ⋅ 4390639 MLS

Attention investors! Priced to sell, this property offers outstanding ROI potential for the right buyer. The existing mobile home is in poor condition and will require significant repairs or replacement, making this an excellent opportunity for redevelopment. Whether you're looking for a potential flip, a homesite for a new mobile home, or another value-add investment, this property offers plenty of possibilities. Bring your vision and take advantage of this affordable investment opportunity before it's gone!

116 E Fairground Avenue, Troy

$145,000

3 Beds ⋅ 2 Baths ⋅ 4377212 MLS

***Back on the Market! You have a 2nd Chance!*** This charming 1959 ranch-style home offers a nostalgic blend of mid-century character and functional living space in the heart of Troy. The exterior features classic accented red brick and vintage awnings, creating an inviting first impression. Inside, the home boasts a versatile layout including both a formal living room and a cozy family room or den, highlighted by warm wood-paneled walls, a brick accent wall, and a traditional wood-burning stove—perfect for creating a snug atmosphere during cooler months. The kitchen is a retro enthusiast's dream, showcasing original knotty pine cabinetry with unique decorative hardware, ample counter space, and integrated appliances that maintain the home's authentic period feel. Practicality meets convenience with a notably large laundry room and a 1.5-bath configuration that serves three bedrooms. For those who enjoy outdoor living or need extra space for hobbies, the property includes a semi-private backyard and a garage that is ideally suited for a workshop or additional storage. Roof, Electrical & Heat Pump unit updated between 2015-2020. This well-preserved residence is a fantastic opportunity for anyone looking to embrace classic 1950s design while living close to local amenities.

419 S Pearl Street, Troy

$75,000

2 Beds ⋅ 1 Baths ⋅ 4358666 MLS

GREAT INVESTMENT OPPORTUNITY - BACK ON THE MARKET 2-bedroom, 1-bath home with strong investment potential. Property is being sold as-is and will require significant repairs and updates. Ideal for investors or buyers looking for a rehab project to convert into a long-term rental or hold property. With the right vision and improvements, this home offers an opportunity to build equity and create steady cash flow. Great candidate for a fix-and-hold strategy. Sold as-is. All offers welcomed.

624 Blue Street, Troy

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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 .

Troy Homes under $250,000

Newest Troy Homes under $250,000

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