Urbana Homes under $200,000

Urbana Homes under $200,000

Welcome to Urbana, Ohio, a charming city nestled in the heart of Champaign County! Known for its rich history and small-town charm, Urbana offers a perfect blend of rural tranquility and modern conveniences. With its picturesque parks, vibrant community events, and friendly atmosphere, Urbana is an ideal place for families, young professionals, and retirees alike.

Urbana boasts an array of amenities that cater to residents of all ages. Explore the beautiful streets lined with historic architecture, enjoy a leisurely stroll in one of the city’s many parks, or indulge in local dining and shopping options that reflect the unique character of this delightful town. With a strong sense of community, Urbana hosts various events throughout the year, bringing neighbors together to celebrate the city’s spirit.

For those looking to make Urbana their home, you’ll be pleased to know that the real estate market offers fantastic opportunities, particularly for first-time homebuyers. With homes available for under $200,000, you can find your dream residence without breaking the bank. Whether you’re seeking a cozy bungalow, a charming cottage, or a spacious family home, Urbana has a diverse selection of properties to suit your needs and budget.

Investing in Urbana not only means finding an affordable home but also becoming part of a welcoming community that values connection and growth. Discover the beauty and potential of Urbana, Ohio, and take the first step toward making this wonderful city your new home!

Newest Urbana Homes under $200,000

5767 Storms Creek Rd, Urbana
$169,900
2 Beds ⋅ 1 Baths ⋅ 1048824 MLS
Move-in ready and available for immediate occupancy! If you have been searching for country living, this remodeled home on 0.75 acre in the Graham Local School District is the opportunity you have been waiting for. Offered at $169,900, it may even cost less per month than renting, depending on your financing. The home has been freshly painted throughout and features new flooring. The main level offers a large living room and dining room combination, a refreshed kitchen with newly painted cabinets and a door out to the deck, a full bathroom, a laundry area for the washer and dryer, and a bedroom, giving you the option of true first-floor living. Upstairs, two very large bedrooms provide plenty of space for sleeping, a home office, or hobbies. Comfort is covered year-round with energy-efficient ductless mini-split systems for heating and cooling. Recent exterior updates include a brand-new roof (2026), upgraded vinyl windows, and vinyl siding, so the big-ticket items are already done and you can simply unpack and settle in. A partial basement houses some of the mechanicals and has its own exterior door, making it easy to bring in tools, supplies, or seasonal items from outside. Outdoors, the lot offers room for a garden and space to consider building a barn in the future (buyer to verify zoning and permits). Per current FEMA flood maps, the property is not located in a special flood hazard area, so flood insurance is not required by lenders. Enjoy the peace of the country while staying connected: approximately 10 minutes to Urbana, 25 minutes to Springfield, and 30 minutes to Troy. Graham is also home to a nationally recognized wrestling program. This rural property may be eligible for USDA financing; buyers should confirm eligibility with their lender. Homes this updated at this price point do not come along often. Schedule your private showing today and see everything this property has to offer!

5767 Storms Creek Rd, Urbana
610 Hagenbuch St, Urbana
$189,900
3 Beds ⋅ 1 Baths ⋅ 1048751 MLS
Charming 3 bedroom 1 bath home has a lot to offer including large rear yard, relaxing front porch and spacious kitchen. All appliances to stay!

610 Hagenbuch St, Urbana
365 Henry St, Urbana
$159,900
2 Beds ⋅ 1 Baths ⋅ 1048684 MLS
Discover this charming 2-bedroom, 1 bath home conveniently located just steps from the fairgrounds! Situated at the end of a quiet dead-end street, this property offers a peaceful setting with plenty of storage and parking options. The detached garage and two sheds provide ample space for vehicles, hobbies, tools, and all your storage needs. Recent updates, including a new metal roof and HVAC system, add peace of mind for the next owner. The home is ready for its next chapter and offers an excellent opportunity to add your own finishing touches and personal style. Come see the possibilities and make this cozy home your own!

365 Henry St, Urbana
580 E Ward St, Urbana
$175,000
3 Beds ⋅ 1 Baths ⋅ 1048582 MLS
Endless Potential with Space! Just needs your cosmetic touches! Welcome to this spacious 3-bedroom home offering incredible versatility and classic charm. Highlights include an extra-large living room, an open-concept kitchen and dining area, and a back family room featuring sliding glass doors that lead directly to the fully fenced backyard. Upstairs, you'll find 3 bedrooms, plus room on the main floor to easily add a 1st-floor bedroom and a 2nd full bathroom. Enjoy outdoor living with a welcoming front porch, a back deck, mature shade trees, and an above-ground pool with its own deck and electrical hookup (liner replaced/last used in 2020). Excellent parking and storage with a 2-car garage attached, plus a secondary 1-car alley garage with alley parking access. Features updated electric, double-pane insulated windows, and a whole-house fan. Property is being sold AS-IS--bring your ideas and make it your own!

580 E Ward St, Urbana
218 Sara St, Urbana
$179,900
3 Beds ⋅ 1 Baths ⋅ 1048326 MLS
Auction October 8, 2026 at 6pm but seller will consider an offer before that date. This 2 story move in ready home with over 1300 SqFt. of living space, has 3 bedrooms upstairs, a full bath downstairs, w/ tub and shower, closet and linen closet, living room, dining room and a full kitchen. Built in shelves accent the living room and dining room with ceiling fans and carpet in most rooms. Lots of windows are placed throughout for natural light and storm doors w/ screens. There is an attached two and a half car garage with a concrete driveway, not common in this area. Above the garage are tall ceilings for that loft or storage space or maybe a man cave. Out through the spacious laundry room, leads to a large fenced in back yard with a covered patio for those summer parties and cookouts. This home is serviced by natural gas, city water and sewer. Nestled in a neighborhood on the northwest side of Urbana, this home is close to the Downton area and all it has to offer. All the amenities that you would desire are all here in Urbana, groceries, restaurants, service facilities, a park, medical facilities and much more. Take a look and imagine your personal touches, to make this the home for you. A wonderful place for that family just starting out, or the family with kids looking for a forever home. Don't let this opportunity slip away, take a look and see if its for you, it could be the one.

218 Sara St, Urbana
404 E Ward St, Urbana
$175,000
4 Beds ⋅ 1 Baths ⋅ 1048305 MLS
Welcome to this spacious 4-bedroom, 1-bath home in Urbana. With two bedrooms conveniently located on the first floor, ideal for a primary suite, guest room, and/or a dedicated home office. The main level offers comfortable living spaces along enclosed front and back porches. Each enclosed porch has access to add a wood stove. Out back, enjoy a fully fenced backyard with a patio. Outside the fence is a detached 2-car garage. Providing extra off street parking and extra storage. Whether you are looking for room to grow or a functional layout with extra space, this property delivers. Recent updates include flooring and roof. Available for private showings--schedule your tour today!

404 E Ward St, Urbana
119 Wards Ln, Urbana
$144,900
2 Beds ⋅ 1 Baths ⋅ 1048101 MLS
This 2-bedroom, 1-bath home is a great option for someone looking for a smaller, manageable home or an investment property. The home has a new roof, newer flooring, and 2 new mini-split units for heating and cooling. The fenced-in backyard gives you a nice private outdoor space, with a shed for extra storage and off-street parking. The size and layout make this home easy to maintain. Whether you're looking for an affordable place to call home or adding another property to your portfolio, this one is ready for its next owner. Come take a look and see what you can do with it!

119 Wards Ln, Urbana
426 W Light St, Urbana
$194,999
3 Beds ⋅ 1 Baths ⋅ 1047762 MLS
Welcome home to this beautifully updated 3-bedroom, 1-bathroom property! Numerous recent improvements make this home move-in ready, including an updated kitchen and bathroom, fresh paint, new flooring, updated electric panel, and newer windows. The kitchen comes fully equipped, and all kitchen appliances, along with the washer and dryer, stay with the home. Outside, enjoy a fenced backyard featuring a shed and patio--perfect for relaxing or entertaining. A front deck provides another great outdoor space, while the detached 2-car garage offers plenty of room for parking, storage, or hobbies. With its many updates and desirable outdoor amenities, this home is ready for its next owner!

426 W Light St, Urbana
119 Bloomfield Ave, Urbana
$159,900
2 Beds ⋅ 1 Baths ⋅ 1047749 MLS
Step into this charming home featuring original hardwood floors, an expanded kitchen with plenty of room to gather, and a convenient separate laundry area. The main level also offers a full bathroom, and a large dining room, while the upstairs features tandem bedrooms, offering a flexible layout that can work well for a variety of needs. Use the second bedroom as a home office, nursery, dressing room, hobby space, or additional living space. Outside, enjoy a fully fenced backyard complete with a hot tub, perfect for relaxing or entertaining. A detached storage shed provides useful additional space for tools, outdoor equipment, and seasonal items. Recent updates include a newer roof (2021), water heater (2022), and an updated bathroom. A home with character, practical updates, and a backyard designed for entertaining.

119 Bloomfield Ave, Urbana
830 S Walnut St, Urbana
$139,500
2 Beds ⋅ 2 Baths ⋅ 1047567 MLS
Cute 2 bed/2 bath home on S. Walnut St in Urbana. Enjoy a fenced backyard, deep 1-car detatched garage, and concrete driveway. Inside, you'll find two living rooms, kitchen with laundry hookups, and an owner's suite with walk-in closet and en suite bath. Inspections are welcome. Being sold in as-is condition. See it today!

830 S Walnut St, Urbana
418 Railroad St, Urbana
$168,900
2 Beds ⋅ 1 Baths ⋅ 1047212 MLS
This charming home has been transformed and is ready for a new owner. Updates include roof, siding, electrical, plumbing, flooring, lighting, windows, interior and exterior doors and drywall. All you need to do is move in and enjoy! The washer, dryer and kitchen appliances are included with the house.

418 Railroad St, Urbana
337 E Church St, Urbana
$183,500
5 Beds ⋅ 4 Baths ⋅ 1047106 MLS
***Motivated Sellers*** Whether you're searching for a spacious family home or a fantastic investment opportunity, 337 E. Church St. has it all! Located just a few blocks from downtown Urbana, you'll enjoy an easy walk to local shops, restaurants, and entertainment. Originally a duplex and currently used as a single-family home, this versatile property features 4-5 bedrooms and 3.5 bathrooms. With two separate staircases already in place, it offers an excellent opportunity to convert it back into a duplex if desired. Inside, the large living room provides plenty of space for everyday living, entertaining guests, or hosting family gatherings. Outside, the fenced backyard offers room for children and pets to play, gardening, or relaxing around a cozy fire pit. The detached garage could be renovated or replaced to provide convenient off-street parking. Whether you're looking for a forever home with room to grow or a property with income potential, 337 E. Church St. is full of possibilities!

337 E Church St, Urbana
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