Troy Homes under $350,000

Welcome to Troy, North Carolina—a hidden gem nestled in Montgomery County, where small-town charm meets the beauty of nature. With a rich history and a vibrant community, Troy is the perfect place for families, retirees, and anyone seeking a peaceful lifestyle without sacrificing modern conveniences.

Troy offers a delightful blend of scenic landscapes and friendly neighborhoods, making it an ideal setting for those looking to settle down. The town is surrounded by lush forests and picturesque lakes, providing ample opportunities for outdoor activities like hiking, fishing, and picnicking. The local parks are perfect for family outings, and the community spirit shines through in the various events and festivals held throughout the year.

One of the most appealing aspects of Troy is its affordable housing market. With a variety of homes available for under $350,000, this charming town provides an excellent opportunity for first-time buyers or those looking to downsize. From quaint bungalows to spacious family homes, you’ll find properties that cater to diverse tastes and needs. Many of these homes feature beautiful yards, modern amenities, and easy access to local schools and shopping, making them not just a house, but a true home.

As you explore Troy, you’ll discover a welcoming community that values its residents and fosters a sense of belonging. Whether you’re drawn by the affordability, the serene surroundings, or the friendly faces, Troy, NC, is ready to welcome you home. Come experience the warmth and charm of Troy—your dream home awaits!

Newest Troy Homes under $350,000

$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

$252,000

3 Beds ⋅ 2 Baths ⋅ 1239715 MLS

Enjoy a convenient location close to town in this 3-bedroom, 2-bath split-level home on .93 acres. The home features spacious bedrooms, a cozy den with a fireplace, a large dining room, and flexible space that could be used as an office. The partially finished basement offers a wood-burning fireplace and additional storage. Outside, relax or entertain on the large back deck. Schedule your private showing today!

716 Carson Street, Troy

$252,000

3 Beds ⋅ 2 Baths ⋅ 4436719 MLS

716 Carson 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

$145,000

2 Beds ⋅ 1 Baths ⋅ 4393743 MLS

Nestled among mature hardwoods in the community of Holiday Shores, this charming approximately 12' x 57' manufactured home offers an affordable opportunity to enjoy the Lake Tillery lifestyle. From the back porch, you'll enjoy seasonal views of Lake Tillery that become even more impressive during the winter months, providing a tranquil setting for morning coffee or relaxing evenings surrounded by nature. Inside, the inviting open floor plan creates a comfortable flow between the living, dining, and kitchen areas, making the home feel open and welcoming. Offering 2 bedrooms and 1 full bath, this versatile property is ideal as a full-time residence, weekend getaway, or income-producing investment. Being sold partially furnished, it presents an excellent opportunity for those seeking a vacation retreat, long-term rental, or potential short-term rental property. Surrounded by beautiful trees and natural scenery, you'll appreciate the privacy and peaceful atmosphere while still being just minutes from boating, fishing, waterfront dining, and all the recreation Lake Tillery has to offer. Whether you're searching for a quiet retreat, an affordable lake-area home, or a property with investment potential, this hidden gem is well worth a look.

175 Elmwood Drive, 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 $350,000

Newest Troy Homes under $350,000

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