Clay County Homes under $350,000

Welcome to Clay County, North Carolina, a hidden gem nestled in the picturesque Blue Ridge Mountains. Known for its stunning natural beauty and a warm sense of community, Clay County is the perfect destination for those seeking a tranquil lifestyle away from the hustle and bustle of city life. The county seat, Hayesville, is a charming town that boasts a rich history and a welcoming atmosphere, making it an ideal place to call home.

For homebuyers looking for affordable options, Clay County offers a variety of homes under $350,000, making it an attractive choice for families, retirees, and anyone seeking a peaceful retreat. Whether you’re drawn to cozy mountain cabins, charming bungalows, or spacious family homes, the real estate market here has something for everyone. Many properties feature breathtaking views of the surrounding mountains, access to serene lakes, and proximity to outdoor recreational activities such as hiking, fishing, and camping.

Living in Hayesville means enjoying a close-knit community with local shops, delicious dining options, and vibrant cultural events. The area is also known for its friendly residents and a strong emphasis on community engagement, making it easy to feel at home. Plus, the mild climate allows for year-round enjoyment of the great outdoors.

If you're ready to explore the possibilities of homeownership in Clay County, now is the perfect time to discover the charming properties available under $350,000. Experience the tranquility and beauty of this remarkable region, where your dream home awaits!

Newest Clay County Homes under $350,000

$349,000

3 Beds ⋅ 3 Baths ⋅ 4419921 MLS

Newly remodeled in 2026 this 3 BR/2.5 bath home with a full basement located in the quaint small town of Hayesville, NC located less than 1 mile from Lake Chatuge (as a crow would fly). 1 car garage in basement, pull thru drive New cabinets, granite countertops, laminate floor, 6 panel doors through out the interior, 2 full baths on main level, 1/2 bath in basement. Basement could be finished to double the square footage, all new appliances and HVAC System, wrap around porch on 2 sides with 46 ft of the deck covered on the front, New metal roof. Property can be accessed from McDonald Rd. or McDonald Overlook Dr.

1124 Mcdonald Road, Hayesville

$320,000

2 Beds ⋅ 2 Baths ⋅ 4425905 MLS

Welcome to this beautifully maintained cottage build in2023.Enjoy one-level living. The bright and open floor plan features granite countertops, stainless steel appliances, custom shades and garage for parking and storage.Relax on the front porch while taking in peaceful mountain surroundings and sunset views. The landscaped property offers privacy and convenience, just minutes from local dining, breweries, shopping and outdoor recreation and beauitful Lake Chatuge for boating or hiking on many trails.You will love living in Hayesville. Ideal for full time living ,weekend retreat or a vacation rental.Schedule you private showing today!!! Hayesville is conveniently located to Asheville ,Blairsville GA and parts of Tennessee. Priced to sell

190 Fort Hembree Road, Hayesville

$299,000

4 Beds ⋅ 3 Baths ⋅ 4392442 MLS

Enjoy beautiful mountain views and stunning sunsets from the deck of this versatile 4-bedroom home. Currently configured as a duplex, the walkout basement features 2 bedrooms, a kitchen, living room, full bath, and washer/dryer—offering excellent rental or in-law potential. The main level includes 2 additional bedrooms, an updated open-concept kitchen, dining, and living area, plus a convenient laundry space. A wrap-around deck extends your living space outdoors and is accessible from sliding doors in both the primary bedroom and living room. Recent updates include a kitchen remodel and new flooring in 2020, as well as connection to county water in 2022. Supplemental LP heat is available on both levels for added comfort. Additional features include a metal roof, carport, storage shed, and concrete driveways providing access to both levels. This property offers exceptional flexibility—use the entire home for personal living with room for family and guests, live upstairs and rent the walkout basement, or maximize income by renting both levels separately. Conveniently located, with Hiawassee and Young Harris, GA and Murphy, NC all within 15–20 minutes.

281 Cherrywood Circle, Hayesville

$325,000

3 Beds ⋅ 2 Baths ⋅ 4382674 MLS

Offering exceptional potential for both residential and commercial use, this beautifully maintained brick ranch is ready to accommodate a variety of needs. The property features three bedrooms, two full bathrooms, dedicated office space, and an abundance of natural light—making it equally well suited as a comfortable full-time residence, professional office, boutique business, or investment property. The spacious kitchen offers granite countertops and ample room for everyday living, entertaining, staff use, or client-facing functions. A wood-burning brick fireplace adds warmth and character, while short-range mountain views provide a peaceful backdrop. Recent HVAC and roofing updates offer additional peace of mind. With paved, easy access, an attached one-car carport, additional storage, and a detached storage shed, the property provides convenience and flexibility for homeowners and business users alike. Whether you envision living here, operating your business here, or combining the two, this move-in-ready property delivers classic charm, modern convenience, and versatile residential or commercial possibilities.

2977 Hwy 64 W Highway, Hayesville

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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 .