Rutherford County Homes under $400,000

Welcome to Rutherford County, North Carolina, a hidden gem nestled in the foothills of the Blue Ridge Mountains. Known for its breathtaking landscapes and rich history, this charming county offers a perfect blend of rural tranquility and vibrant community life. With its picturesque scenery, outdoor recreational opportunities, and friendly neighborhoods, Rutherford is a wonderful place to call home.

For homebuyers seeking affordability without compromising on quality, Rutherford County presents an impressive array of homes available for under $400,000. Here, you can discover a variety of housing options, from cozy single-family homes to spacious townhouses, all designed to meet the needs of diverse lifestyles. Whether you’re a first-time buyer, a growing family, or looking to downsize, you’ll find that Rutherford County has something for everyone.

Imagine waking up to the serene sounds of nature, enjoying morning coffee on your porch, and spending weekends exploring the stunning hiking trails or fishing in the nearby lakes. The county is rich in local culture, with charming downtown areas, farmers' markets, and seasonal festivals that foster a strong sense of community.

Additionally, Rutherford County boasts excellent schools, healthcare facilities, and convenient access to major highways, making it an ideal location for both work and play. With homes under $400,000, you can invest in a lifestyle filled with adventure and comfort in this beautiful part of North Carolina. Come and explore the possibilities that await you in Rutherford County!

Newest Rutherford County Homes under $400,000

$242,500

4 Beds ⋅ 2 Baths ⋅ 4431827 MLS

Exceptionally spacious 4-bedroom Doublewide with 2,100+ sq.ft. situated on private 2.36 acres in the desirable Green Hill community. This move-in ready home provides room to grow inside & out and has many upgrades/updates. Freshly painted interior. Comfortable & functional layout perfect for everyday living and entertaining. Two separate living areas provide flexibility for relaxing, hosting guests, or creating a recreation and/or hobby space. Great room includes dining area. The large, functional kitchen offers plenty of workspace & cabinetry and generous walk-in pantry. Family room off kitchen has a wood-burning stove, Palladium windows providing lots of natural light, and French Door for future deck or stairs (previous deck removed). The Primary Bedroom has a large walk-in closet and large bathroom with lots of possibilities. 2nd bedroom has new vinyl plank flooring. The 4th bedroom is off Great Room and would make a great office or craft room. Heat pump was replaced in 2022. New wood on front & back entrances. Storage shed. 2-car detached carport. Mature trees on the property make for a wonderful balance of privacy, open space and natural wooded land. Conveniently located just 7 miles from Lake Lure and 10 miles from downtown Rutherfordton. This property combines space, convenience, and a desirable location. Move right in and enjoy all this home has to offer! Call for additional details and/or with any questions.

124 Tyler Terrace, Rutherfordton

121 Quail Run Court Unit #1629, Lake Lure

$362,900

2 Beds ⋅ 2 Baths ⋅ 4431206 MLS ⋅ Quail Cove BLDG.

Arrive, unpack, and start enjoying Lake Lure! Located behind the gates of Rumbling Bald, this tastefully furnished, thoughtfully updated two-bedroom, two-bath townhome offers easy living with no stairs—from the parking area through the home and onto the decks. All just an easy golf cart, quick ride or walk to the amenities! A true wood-burning fireplace creates a cozy gathering space, while winter views of Lake Lure and Youngs Mountain invite you to slow down and unwind. Enjoy the outdoors from the decks and screened porch, perfect for morning coffee or a relaxing evening. The kitchen features an expansive peninsula with granite countertops, stainless steel appliances, an updated sink and faucet, and added pantry shelving. Both bedrooms have en-suite bathrooms with updated granite-topped vanities, sinks, faucets, and lighting. The primary bath also features a remodeled tub/shower area with tile and seamless glass. Thoughtful improvements throughout include updated flooring, interior paint, replacement interior doors, window treatments, lighting, a digital thermostat, and exterior outlets on the front and back decks. A roof replacement and exterior painting completed in 2022, along with a new water heater in 2026, add to the appeal of this well-maintained retreat. Sold furnished and turnkey, with only a few personal items excluded, this home makes the transition to mountain living simple. Whether you’re looking for a vacation getaway, full-time residence, or investment property, the furnishings and improvements are already in place so you can spend more time enjoying your home. Complete the experience with Rumbling Bald’s golf courses, tennis and pickleball courts, marina, beach, pools, hiking trails, and more. This townhome checks all the boxes—just bring your bags and make yourself at home! Per Rumbling Bald the $11,000, one-time capital fee has been removed! The full list of improvements is in the MLS documents.

121 Quail Run Court Unit #1629, Lake Lure

$357,000

2 Beds ⋅ 1 Baths ⋅ 4431510 MLS

Seller is ready to make a move on this, fully furnished Lake Lure home in Riverbend at Lake Lure. Enjoy easy one-level living in this newer custom-built home in Riverbend at Lake Lure, set on 0.55 acres in a private mountain setting with convenient access to community amenities and nearby Lake Lure attractions. This thoughtfully designed home features an open-concept floor plan with two spacious primary bedrooms, two large walk-in closets, and comfortable finishes including bamboo hardwood, tile, and carpet flooring. Durable LP siding and a metal roof provide low-maintenance exterior appeal, while the bright interior offers a warm, move-in-ready feel. Furniture and home decor are included, making this an appealing option for a full-time residence, weekend retreat, or potential short-term rental opportunity. Enjoy Riverbend’s private Big Mirror Lake, community beach, walking trails, and peaceful natural surroundings. Just minutes away, you’ll find Lake Lure’s public beach and water park, Chimney Rock State Park, area golf courses, scenic mountain drives, and dining and shopping in nearby Lake Lure and Chimney Rock. Asheville, the Blue Ridge Parkway, and Tryon International Equestrian Center are also within easy reach. A wonderful opportunity to enjoy the Lake Lure mountain lifestyle in a newer, furnished, move-in-ready home.

257 Roadrunner Circle, Lake Lure

$315,000

3 Beds ⋅ 2 Baths ⋅ 4432926 MLS

Charming Brick Home on Nearly an Acre in Rutherfordton! Welcome to this well-maintained 3-bedroom, 2-full-bath, two-story brick home situated on a spacious 0.96-acre cul-de-sac lot just outside of the city limits in Rutherfordton. Offering 1,541 sq. ft. of comfortable living space, this home combines classic charm with plenty of room both inside and out. The main level features a welcoming living room with custom plantation blinds and a gas log fireplace, creating a warm and inviting space to gather. The primary bedroom is conveniently located on the main floor and includes an en-suite bathroom and walk-in closet. The kitchen provides easy access to the back deck, making it convenient to enjoy outdoor dining or entertaining. Upstairs, you’ll find two additional bedrooms and a full bathroom, providing plenty of space for family, guests, or a home office. Above the two-car garage is an unfinished bonus room, offering excellent additional storage or the opportunity to finish the space for future use. Outside, the fenced backyard provides a great space for pets, gardening, or entertaining. A small outbuilding offers convenient storage for tools and lawn equipment. Situated on a quiet cul-de-sac and just minutes from downtown Rutherfordton, this property offers a great combination of space, privacy, and convenience.

131 Cameron Drive, Rutherfordton

$190,000

3 Beds ⋅ 2 Baths ⋅ 4432561 MLS

Coming Soon and located just 5 mins to downtown Forest City sits this brick ranch 3 bedroom 2 bath home with a bonus room/den. Level .47 acre lot with shade trees and privacy trees. Out building has been updated with electric and water. New heat pump 2024 and new electric range oven 2025. Custom kitchen with ceramic tile. 2 bedrooms and bonus/den room have painted concrete floors. Home is being sold AS-IS

247 Seitz Drive, Forest City

$365,000

3 Beds ⋅ 2 Baths ⋅ 4432292 MLS

Cute as a button updated ranch on nearly an acre in Forest City! Spacious living area w/whitewashed wood-burning brick fireplace and tall Pella windows for ample natural light. The open kitchen/dining area features clean white shaker cabinets paired with gorgeous green-hue granite tops & coordinating backsplash for a warm & inviting vibe. Soft recessed lighting and luxury vinyl plank floors throughout for seamless transitions and ease of maintenance. The roomy hall bath & the primary bath both boast full tile showers with timeless on-trend designs framed by contrasting black-framed shower doors. Head downstairs to the fully finished walk-out basement with endless possibilities - two bonus rooms, laundry area w/sink and flexible use space with a second fireplace! There's enough room for an office, school room, gym or family room - whatever your needs require. French doors open to a sizable concrete patio, generous fenced area plus another concrete pad perfect for a storage building. This is a fantastic unrestricted property with public water, access to high speed internet, & quick access to US 221 Hwy. Only 10 minutes to South Carolina and less than 5 miles to US 74 Hwy and seller offering comprehensive home warranty.

281 Jack Mckinney Road, Forest City

$229,900

2 Beds ⋅ 1 Baths ⋅ 4428983 MLS

Beautiful home in the Gilkey Community of Rutherford County. The house is within a few miles of Pinnacle Elementary School and near the Gilkey end of the walking trail. The house has been completely renovated and is in "new house" condition. It was "gutted" down to the stud walls, any deteriorated wood replaced, new exterior siding installed with new commercial gutters, , new windows installed, new insulation installed, new exterior and interior doors installed, new drywall installed, new floor covering installed, new kitchen and bath, new dishwasher, range & microwave, all new electrical and plumbing and HVAC installed. The septic was pumped and inspected. All of the work was permitted and inspected by Rutherford County Building Inspections. The landscaping has been professionally done with entire yard sodded. This is a great home that should need no work done for many years.

133 Sorrells Road, Rutherfordton

$265,000

3 Beds ⋅ 2 Baths ⋅ 4431289 MLS

Welcome home to this beautiful 3-bedroom, 2-bath ranch offering modern finishes, quality craftsmanship, and an incredibly convenient Forest City location. Built in 2024, this move-in-ready home features a spacious open floor plan designed for comfortable everyday living and entertaining. Vaulted ceilings enhance the open, airy feel, while granite countertops, real wood soft-close cabinetry, and durable luxury vinyl plank flooring add style and functionality throughout. The seller has added thoughtful upgrades, including updated light fixtures, ceiling fans, and smart switches, giving the home an even more modern and functional feel. Architectural shingles with a 25-year warranty and a 10-year home warranty provide added peace of mind. Situated on a level lot with no HOA, this home is conveniently located just off Hwy 74 and College Avenue, only minutes from Starbucks, Ingles Markets, restaurants, shopping, and downtown Forest City’s Pavilion on Park Square (POPS). With easy access to both Hwy 74 and Hwy 221, commuting and traveling throughout the region is a breeze, with convenient routes to Charlotte, Asheville, and the Greenville/Spartanburg area. Why wait to build when this beautiful home is ready for you now? With modern finishes, thoughtful upgrades, no HOA, and a convenient location, this home checks all the boxes. Schedule your private showing today and come see why this could be the perfect place to call home!

109 Orchard Street, Forest City

$324,000

2 Beds ⋅ 3 Baths ⋅ 4431626 MLS

Welcome to 418 Piney Creek Drive! Tucked away on 3.15 serene, tree-lined acres in Lake Lure, this wonderful log cabin offers a chance to craft your dream getaway or high-demand mountain retreat. With a little TLC and your creative vision, you can effortlessly unlock instant equity in a setting that feels worlds away yet close to everything. Inside, the home boasts nearly 2,000 square feet of finished living space spread across three distinct levels. The main floor introduces an inviting open-concept layout complete with a cozy living room fireplace, a functional kitchen with a breakfast bar, a spacious bedroom, and a full bath. Upstairs, a dedicated bedroom suite with its own full bathroom and walk-in closet offers a quiet, private escape. The lower level features a fully finished walk-out basement with a third full bath and laundry, making it the ideal layout for a game room, secondary living quarters, or guest accommodations. Step outside to soak in the crisp mountain air from either the covered front or rear porches, surrounded by mature hardwoods and absolute privacy. Complete with a new roof installed in 2025, private well and septic, no city taxes, and a handy storage shed on site, this property has all the right bones in place. Bring your vision and polish this Lake Lure diamond in the rough into your personal paradise!

418 Piney Creek Drive, Lake Lure

$208,000

3 Beds ⋅ 2 Baths ⋅ 4432129 MLS

This is a charming, country, ranch style home on dead end st located between Asheville, Charlotte & Spartanburg. It has an open flr plan w vaulted ceilings. This is a solid mfd home with front & back covered porches. Handi-cap access from rear porch to garage. Yard is fenced except front. Pond w fountain feature & colored lights at night. Six outside water spigots. Newer mini split heating/AC units. New vinyl wood-looking planks in kit & master bdrm. New kit countertops. Real wood V-Joint on the walls in main living area. Large master bdrm w HUGE walk-in closet, HUGE bath with 8' counter w his & her sinks, newer cabs. Master bath has walk-in shower & HUGE closet. The master bedroom suite is at opposite end of the other 2 bedrooms. There is a 2-car carport that has been enclosed with a workshop on one side. If your looking for storage, this home has it. AI used on some pics showing space without furniture.

163 Barkley Drive, Mooresboro

$350,000

3 Beds ⋅ 2 Baths ⋅ 4432044 MLS

Brand-new construction, custom home, and ready for its first owner! Beautifully situated on a private 1.11-acre unrestricted lot, this 1,408 sq. ft. 3-bedroom, 2-bath home offers quality craftsmanship, upscale finishes, and easy one-level living. Ideally located between Rutherfordton and Lake Lure, the open and spacious floor plan features shiplap ceilings, engineered hickory hardwood flooring, custom solid-wood cabinetry with soft-close technology, tile flooring, spray foam insulation, an energy-efficient HVAC system, and durable 40-year maintenance-free metal siding. The single-level design makes this home an excellent choice for a first home, those looking to simplify, or a private mountain getaway. Enjoy the freedom of an unrestricted setting while being conveniently located near Lake Lure, Rutherfordton, Forest City, TIEC and all the area has to offer. Schedule your showing today! This one won't last long!

2718 Cove Road, Rutherfordton

$350,000

3 Beds ⋅ 2 Baths ⋅ 4432285 MLS

Now Finished and Move-in-Ready as of Oct 2026! Welcome to The Mint Rutherford, a brand-new construction community offering modern living just steps from the heart of downtown. This thoughtfully designed 3-bedroom, 2-bath home with a true 2-car attached garage places you only one block from Main Street—walk to cafés, boutiques, restaurants, and the Purple Martin Trail without ever getting in the car. Striking transitional curb appeal meets low-maintenance living with Hardie® plank and board-and-batten siding, architectural shingles and concrete porches & patios — classic style with zero grass to upkeep. Inside, enjoy all-electric, energy-efficient living with ENERGY STAR® stainless appliances, wood & tile flooring, and low-flow fixtures designed to keep utility costs low. The open layout is filled with natural light thanks to oversized windows, 10-foot ceilings, 8-foot doors throughout & a vaulted great room. The chef-ready kitchen features Shaker cabinetry, quartz countertops, a statement island, and an open-concept walk-in pantry—perfect for entertaining. Relax in the resort-style primary suite with a frameless glass, tiled shower, double vanity, crown molding, and a spacious walk-in closet. Outdoor living is just as inviting with a covered front masonry porch and a rear covered patio. With new-construction warranties, durable finishes, and an unbeatable downtown location, The Mint Rutherford offers low-stress ownership and strong future value—ideal for first-time buyers, right-sizers, or anyone seeking walkable, modern living. This home was just recently finished at the beginning of Oct 2026 and is move-in-ready now!

170 N Mitchell Street, Rutherfordton

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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 .