Lincoln County Homes under $400,000

Welcome to Lincoln County, North Carolina—a hidden gem nestled in the heart of the Tar Heel State! Known for its picturesque landscapes and vibrant community spirit, Lincoln County offers an idyllic blend of rural charm and suburban convenience. With its rich history, stunning lakes, and lush greenery, this county is a perfect place for families, retirees, and anyone looking to embrace a serene lifestyle.

One of the most appealing aspects of Lincoln County is its diverse real estate market, especially for those seeking homes under $400,000. Here, you’ll find a variety of charming properties that cater to different tastes and needs. From cozy single-family homes nestled in friendly neighborhoods to modern townhouses with easy access to local amenities, Lincoln County has something for everyone. The affordability of homes in this area makes it an attractive option for first-time buyers or those looking to downsize without compromising on quality.

Living in Lincoln County means enjoying a strong sense of community, excellent schools, and a plethora of recreational activities. Spend your weekends exploring the scenic shores of Lake Norman, hiking the trails of the nearby South Mountains, or indulging in local dining and shopping options that reflect the county's unique character.

With its welcoming atmosphere and affordable housing options, Lincoln County invites you to discover your dream home in a place where you can truly thrive. Come and explore all that this charming community has to offer—you won’t be disappointed!

Newest Lincoln County Homes under $400,000

$339,900

3 Beds ⋅ 3 Baths ⋅ 4437712 MLS

Spacious 3-bedroom, 2.5-bath full brick home with plenty of updates and room for personalized touches! Offering over 1,700 square feet of living space, this home features new LVP flooring, fresh paint throughout, and an upgraded bathroom with a stylish tile shower surround and elegant glass doors. Enjoy both a formal living room and a massive family room with a cozy fireplace and supplemental gas wall heater. Outside, you’ll find 2 attached carports, a brick patio, and 2 storage units—one resembling a charming tiny home that could be transformed into a workshop, craft area, recreation space, or even a second living quarter. The fully fenced backyard completes this inviting property. Located in an established neighborhood conveniently close to everything Lincolnton has to offer!

112 Wendover Drive, Lincolnton

$316,990

4 Beds ⋅ 3 Baths ⋅ 4437598 MLS

The Elston is a spacious & modern 2 story home designed w/ open concept living in mind. This home features 4 bedrooms, 2.5 bathrooms & a 2 car garage, making it perfect for your new home. Upon entering the home, you'll be greeted by an inviting foyer that leads directly into the heart of the home: the great room. This impressive space features a living room, dining area, & well-appointed kitchen. The kitchen is equipped w/ a pantry, stainless steel appliances, & a large island with a breakfast bar, making it perfect for both cooking & casual dining. Home also features a primary suite, complete w/ a large walk-in closet & en suite bathroom featuring dual vanities & a spacious shower. The additional 3 bedrooms share a full bath that includes dual vanities. Amenities include a community pool, cabana, and playground!

2836 Frances View Lane, Lincolnton

$292,990

4 Beds ⋅ 3 Baths ⋅ 4437582 MLS

The Taylor is a spacious & modern two-story home designed with open concept living in mind. This home features four bedrooms, two & a half bathrooms & a two-car garage, making it perfect for your new home. Upon entering the home, you'll be greeted by an inviting foyer that leads directly into the heart of the home: the great room that includes a beautiful fireplace. This impressive space features a living room, dining area, and well-appointed kitchen. The kitchen is equipped with a pantry, stainless steel appliances making it perfect for both cooking and casual dining. Home also features a primary suite, complete with a large walk-in closet and en-suite bathroom featuring dual vanities and a spacious shower. The additional three bedrooms share a full bath that includes dual vanities. Outback is a patio, perfect for outdoor entertaining or enjoying beautiful weather. Amenities include cabana, pool, playground, and dog park!

2841 Frances View Lane, Lincolnton

$298,990

3 Beds ⋅ 3 Baths ⋅ 4437488 MLS

The Darwin is a spacious & modern two-story home that boasts an impressive level of comfort, luxury and style. This home features three bedrooms, two full bathrooms, one half bathroom and 2 car garage. The moment you step inside this home, you will be greeted by an inviting foyer that leads you into the heart of the home. The spacious and open kitchen is equipped with updated appliances, plenty of storage and a walk-in pantry. The kitchen island will be the gathering spot to make memories together. Primary suite is on upper level separate from the two additional bedrooms. Schedule your appointment today!

2840 Frances View Lane, Lincolnton

$329,000

3 Beds ⋅ 3 Baths ⋅ 4437099 MLS

Welcome home to this beautiful two-story home offering classic Southern charm, inviting living spaces, and an incredible backyard! From the moment you arrive, you'll appreciate the attractive partial brick exterior, rocking-chair front porch, mature landscaping, and spacious two-car garage. Step inside to discover beautiful hardwood floors, crown molding, and a spacious living room featuring a cozy fireplace with custom built-ins. The formal dining room is perfect for entertaining, while the kitchen offers abundant cabinetry, generous counter space, a breakfast bar, and a sunny breakfast area overlooking the backyard. The spacious primary bedroom provides a comfortable retreat, while the additional bedrooms offer plenty of flexibility for family, guests, or a home office. Outside is where this property truly shines! Enjoy relaxing or entertaining on the rear deck overlooking an expansive, level, fenced backyard with mature trees providing a beautiful natural setting. There's plenty of room for outdoor activities, gardening, pets, or simply enjoying the outdoors. With its traditional charm, functional floor plan, beautiful hardwood flooring, and exceptional outdoor space, this home offers a wonderful combination of comfort and practicality. Conveniently located in Maiden with access to shopping, dining, and surrounding communities. Don't miss your opportunity to make this wonderful property your next home!

3770 Church Hill Lane, Maiden

$225,000

3 Beds ⋅ 2 Baths ⋅ 4436458 MLS

If you've been searching for an updated home with room to spread out, a peaceful setting, and a price that doesn't break the bank, 782 Monterey Drive needs to be on your must-see list! Tucked away on a beautiful .77-acre lot in a quiet Iron Station neighborhood, this extensively updated 3-bedroom, 2-bath home delivers an impressive combination of space, comfort, and value. The expansive, mostly level yard is framed by mature trees, creating a wonderful balance of open outdoor space and natural surroundings. Inside, the transformation is immediately apparent! Fresh interior paint and new waterproof luxury vinyl plank flooring flow throughout the home, while the desirable split-bedroom floor plan provides privacy and functionality. The beautifully updated kitchen features new cabinetry, countertops, and stainless steel appliances, including the refrigerator. Both bathrooms have been renovated with new vanities, toilets, tubs, and showers. And the improvements don't stop at what you can see! Major updates include a roof replaced in 2024, replacement windows in 2025, and a water heater installed in 2020. Additional improvements include flooring repairs, updated electrical fixtures, outlets and switches, new gutters, and a recently inspected, pumped, and serviced septic system. Outside, you'll find even more to love! A brand-new front porch welcomes you home, while the newly constructed covered back deck offers a relaxing spot to enjoy the beautiful wooded surroundings. Both were permitted and approved. The spacious yard provides endless possibilities for gardening, entertaining, or simply enjoying the outdoors. An additional storage shed with new vinyl siding and electricity offers convenient storage or workspace potential. The updates are impressive. The setting is beautiful. But the price? That's what makes this opportunity especially exciting! Offered at just $225,000, with the seller willing to consider closing cost concessions with an acceptable offer, this home deserves a spot at the top of your showing list. Don't just scroll past this one. Come see for yourself how much home, land, and value $225,000 can offer!

782 Monterey Drive, Iron Station

$349,900

3 Beds ⋅ 2 Baths ⋅ 4436044 MLS

Enjoy the perfect blend of comfort, space, and convenience in this inviting home situated on nearly an acre! The open floor plan creates a welcoming flow, while hardwood floors in the common areas add warmth and character. Step outside to enjoy the fenced backyard, offering plenty of space for relaxing, entertaining, gardening, or enjoying time outdoors. Fresh updates make this home even more appealing, with the sellers installing new carpet and fresh paint to give the interior a refreshed feel. A new refrigerator and dishwasher are also being added for the next owner's convenience. The remaining appliances, including the washer and dryer, will stay with the home. USDA financing eligible! Qualified buyers may be able to take advantage of USDA financing, which can offer 100% financing for eligible properties and borrowers, subject to program requirements and lender approval. Conveniently located just a short drive from charming downtown Lincolnton, you'll enjoy easy access to local restaurants, shopping, and small-town charm while still having room to spread out and enjoy your own outdoor space. With its open layout, nearly acre-sized lot, fenced backyard, and fresh updates, this home is ready for its next chapter. Professional photography coming soon — stay tuned!

2550 Rock Dam Road, Lincolnton

$260,000

4 Beds ⋅ 2 Baths ⋅ 4436623 MLS

Welcome to 3729 Rene Lane in Maiden, a spacious 4-bedroom, 2-bath manufactured home offering approximately 2,000 square feet on .88 acres. This property gives you the room you want while still keeping you conveniently located to Maiden, Newton, Lincolnton, Denver, and the surrounding Lake Norman area. Inside, you’ll find a roomy and functional floor plan with plenty of living space, a large kitchen and dining area, a private primary bedroom with its own bath, and three additional bedrooms that could easily be used for family, guests, a home office, or hobby space. Outside, the nearly one-acre lot provides plenty of room to enjoy the outdoors, whether that means gardening, entertaining, space for pets, or simply having a little more privacy between you and the neighbors. The property offers the feel of a quieter residential setting without putting you too far from shopping, dining, schools, and everyday conveniences. With easy access to Maiden Highway, Highway 16, Newton, Lincolnton, Denver, and the greater Hickory/Lake Norman region, this home is well positioned for buyers who want additional space and acreage while still needing a reasonable commute. If you’re looking for a 4-bedroom home with nearly an acre, approximately 2,000 square feet, and a convenient Maiden location, 3729 Rene Lane is one you’ll want to see.

3729 Rene Lane, Maiden

$365,000

3 Beds ⋅ 2 Baths ⋅ 4436248 MLS

Immaculately maintained and thoughtfully updated, this inviting home is situated on nearly an acre in a peaceful rural community in western Lincoln County, just 10 minutes from downtown Lincolnton. The spacious, open living and dining areas flow seamlessly to an exceptional backyard designed for relaxing and entertaining. A tall privacy fence with two gates surrounds the concrete patio and impressive 14' x 24' gazebo, complete with five ceiling fans. With the septic system located in the front yard, the backyard also offers excellent potential for a future pool. Beautiful landscaping adorns the entire exterior. The home features numerous updates, including extensive kitchen and primary bath renovations, smooth ceilings throughout, roof, oversized gutters and downspouts, windows, and water heater. Gleaming hardwood floors enhance the main living areas, complemented by attractive laminate flooring in the kitchen, and ceramic tile in the baths. Propane tank & gas-log heater in the dining room convey, which the owners use from December through March to help reduce utility costs. Storage and garage space are equally impressive. The spacious two-car attached garage offers a rear exterior walk-out door and pull-down attic stairs providing access to fully floored storage above one garage bay, as well as an entrance to the remainder of the home's attic. An additional 24' x 30' detached two-car garage is insulated and features a concrete floor, two roll-up doors, a walk-through door, windows, and 200-amp electrical service. The septic system was recently pumped and inspected, with new risers installed, and the property has also had a recent annual termite inspection. This beautifully cared-for property is truly ready to impress! Visit our OPEN HOUSE, Saturday, October 31st, 12-2pm.

643 Shoal Road, Lincolnton

$239,900

3 Beds ⋅ 1 Baths ⋅ 4435736 MLS

Beautifully Updated Ranch in the North Lincoln School District! Discover this move-in-ready 3-bedroom, 1-bath vinyl ranch located just east of Lincolnton, outside the city limits and convenient to local parks, shopping, and dining. Thoughtfully updated throughout, this home combines modern finishes with the charm of small-town living. The spacious kitchen and dining area is perfect for everyday living and entertaining, featuring new cabinetry, butcher-block countertops, stainless-steel appliances, and plenty of room to gather. The tastefully renovated bathroom and attractive wood and tile flooring throughout add to the home's fresh, inviting appeal. Step outside to the covered rear deck overlooking the spacious backyard, offering plenty of room for outdoor entertaining, gardening, pets, or simply relaxing. A two-car carport provides convenient covered parking, while the additional storage room offers space for tools, equipment, and other essentials. Enjoy a convenient location just minutes from Hwy 321, providing easy access to Lincolnton, Hickory, and the Charlotte metro area. With its extensive updates, outdoor space, and desirable location in the North Lincoln School District, this home is ready for its next owner. Come see all this updated ranch has to offer!

167 Sunny Hill Drive, Lincolnton

$329,990

3 Beds ⋅ 2 Baths ⋅ 4436083 MLS

If you’re seeking a single-story home with style, look no further than the Cardinal at Carpenter Farms! This inviting floor plan offers a spacious great room for gathering and relaxing, adjacent to a dining area and an open kitchen with a center island and walk-in pantry. Two bedrooms bookend a bath toward the front of the home, and at the back, the primary suite offers a large walk-in closet and a private bath with dual sinks and a walk-in shower. Includes a back patio. Carpenter Farms community amenities make it even more appealing, featuring a pool for refreshing swims, a playground for children’s activities, a dog park for pets, and an activity field for recreational pursuits, encouraging an active and connected lifestyle among neighbors.

900 Hallman Branch Lane, Lincolnton

$225,000

3 Beds ⋅ 2 Baths ⋅ 4435978 MLS

Beautiful, Move-In Ready Home at a Great Price! Enjoy the peace and quiet of a country setting in this inviting home featuring a spacious kitchen and two open living areas offering plenty of flexibility to suit your needs. Whether you envision multiple living rooms, a den, dining room, or flex space, the possibilities are endless. The home also offers three generously sized bedrooms. Step outside and relax on the wonderful front porch overlooking a large front yard with beautiful mature trees, creating a charming setting to enjoy the outdoors. If you are looking for space, versatility, and peaceful country living at an affordable price, this is one you won’t want to miss!

1678 Knoll Drive Unit #36, Vale

Start Your Search

“The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither The M Homes Group nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing. © 2026 Carolina Multiple Listing Services, Inc.”

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 .

Lincoln County Homes under $400,000

Newest Lincoln County Homes under $400,000

How much is your home worth?

How much is your home worth?