Clay County Homes under $500,000

Welcome to Clay County, North Carolina – a hidden gem nestled in the majestic Blue Ridge Mountains. Known for its stunning natural beauty, this picturesque area boasts lush forests, tranquil lakes, and breathtaking mountain views, making it an ideal setting for both relaxation and adventure. Hayesville, the charming county seat, offers a delightful blend of small-town warmth and outdoor recreational opportunities, making it a perfect destination for families, retirees, and nature enthusiasts alike.

For those seeking a home in this serene environment, Clay County presents an enticing array of properties under $500,000. Whether you’re dreaming of a cozy cabin tucked away in the woods, a modern family home with easy access to local amenities, or a charming bungalow with picturesque views, there’s something for everyone in this affordable price range.

Imagine waking up to the sounds of nature, sipping your morning coffee on a spacious deck, or exploring the nearby hiking trails and fishing spots. The community is vibrant and welcoming, with local events, farmers' markets, and festivals that celebrate the rich culture and heritage of the region.

With its affordable housing options and stunning landscapes, Clay County is not just a place to live; it’s a lifestyle. Discover the joys of mountain living without breaking the bank, and let Clay County be the backdrop for your next chapter. Embrace the tranquility and charm of Hayesville – your dream home awaits!

Newest Clay County Homes under $500,000

$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

$424,900

2 Beds ⋅ 3 Baths ⋅ 4418579 MLS

Enjoy peaceful mountain living in this charming 2-bedroom, 2.5-bath home in beautiful Hayesville, NC. Right in the heart of the high demand SHOOTING CREEK area. Perfect as a full-time residence, vacation getaway, or mini-farm, this property offers comfort, privacy, and endless outdoor enjoyment. Relax on two spacious porches, including a screened-in porch perfect for morning coffee or evening sunsets. The property also features a barn, chicken coop, and storage building, providing plenty of space for hobbies, animals, or extra storage. Just minutes from Lake Chatuge, you'll enjoy great fishing, 3+ public boat ramps, water skiing, beaches, campgrounds, and hiking trails. Golf lovers will appreciate nearby Chatuge Shores and Mountain Harbour Golf Courses. Hayesville offers wonderful local restaurants, and you're only 30–35 miles from Murphy, Franklin, and Helen, GA for shopping, antique malls, festivals, entertainment, and more. Experience the best of mountain living with peaceful surroundings and convenient access to everything the area has to offer!

206 Bethabara Loop, Hayesville

$499,000

2 Beds ⋅ 2 Baths ⋅ 4393420 MLS

Downtown living meets mountain serenity at 101 Mill Street! This 2BD/2BA gem offers the ultimate Hayesville lifestyle, combining effortless 1-level living with a prime location just off the town square. Perched to overlook the local pickleball courts and just steps from the Clay County Rec Center, this home is a dream for active residents who want to be in the heart of it all. Enjoy beautiful long-range mountain views from your own manageable 0.34-acre slice of heaven. The property features a spacious 2-car garage and paved, easy access, ensuring convenience at every turn. Being within walking distance to the Square means you are never far from local dining, shopping, and community events. Whether you are looking for a low-maintenance primary residence or a strategic investment in a high-demand area, this property delivers on every front. Rare is the opportunity to find a 2026-ready lifestyle that blends small-town charm with such incredible proximity to recreation. Don’t miss your chance to own a piece of downtown Hayesville with a view to match!

101 Mill Street, 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 .