Urbana Homes under $250,000

Urbana Homes under $250,000

Welcome to Urbana, Ohio – a charming city nestled in the heart of Champaign County, where small-town charm meets modern convenience. With a rich history dating back to its founding in the early 1800s, Urbana offers a unique blend of heritage and community spirit. Residents enjoy a vibrant downtown area filled with local shops, delightful eateries, and cultural attractions, making it a perfect place for families and individuals alike.

Urbana is known for its beautiful parks and recreational opportunities, providing ample space for outdoor activities such as hiking, fishing, and picnicking. The city is also home to several annual events and festivals that celebrate its diverse culture and strong community ties, ensuring there’s always something happening.

For those seeking a new home in Urbana, you’ll be pleased to discover a variety of properties available for under $250,000. Whether you're a first-time homebuyer, looking to downsize, or searching for an investment opportunity, Urbana offers an array of affordable housing options. From charming historic homes with character to modern builds with contemporary amenities, there’s something to suit every taste and budget.

With its affordable real estate market, welcoming community, and convenient access to major highways, Urbana is an ideal place to settle down. Experience the warmth of small-town living while enjoying the benefits of a thriving community. Discover your dream home in Urbana today, and become part of this delightful Ohio city!

Newest Urbana Homes under $250,000

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
759 Mark Dr, Urbana
$224,900
3 Beds ⋅ 1 Baths ⋅ 1048544 MLS
Opportunities like this don't come along often! Located in an area where homes are rarely available for sale, this charming 3-bedroom, 1-bath, one-story home offers the comfort, convenience, and easy living you've been looking for -- and it's ready for you to move right in! Step inside and discover 1,152 square feet of comfortable living space, thoughtfully laid out for convenient one-floor living. Need a little extra space? An additional room gives you the flexibility to create the space that fits your life -- whether you envision a home office, nursery, playroom, hobby room, or cozy retreat. One of the home's standout features is the inviting sunroom off the back, where you can unwind with your morning coffee, curl up with a good book, or simply enjoy the view of your fenced-in backyard. It's the kind of space that makes a house feel like home. You'll appreciate the peace of mind that comes with a new roof installed in 2022 and a Lennox furnace. The oversized two-car garage provides plenty of room for your vehicles, storage, tools, toys, and everything else life brings. And the location makes everyday living even more enjoyable! You're just minutes from the park and city swimming pool, giving you easy access to outdoor fun and recreation. Whether you're looking for a place to put down roots, a home with room to grow, or simply a comfortable home where you can enjoy life without the hassle of major updates, this one deserves a closer look.

759 Mark Dr, Urbana
1353 Three Mile Rd, Urbana
$230,000
3 Beds ⋅ 2 Baths ⋅ 1048361 MLS
This rural, Urbana Schools property has so much potential. Check out this 1 acre property with 20x30 detached garage as well as a 30x27 pole barn with concrete floor. Plenty of space for play, gardening and/or private entertaining. The home is spacious and the owners suite is on the second level with a full bathroom. Home needs some TLC, but has a lot to offer. Motivated Seller and immediate possession.

1353 Three Mile Rd, 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
234 Laurel Oak St, Urbana
$214,900
3 Beds ⋅ 2 Baths ⋅ 1048065 MLS
Discover the character and charm of this spacious home offering over 1800 square feet of living space and a flexible layout. Currently set up as a single-family residence, the home was previously used as two apartments and could be perfect for multi-generational living. The main level features large, inviting rooms, including a spacious eat-in kitchen (appliances stay), a separate dining room and a convenient main level bedroom. There is also a full bathroom on each level, one upstairs and one downstairs. Just off the kitchen, a large pantry provides additional storage and offers convenient access to the attached two-car garage. There is also plenty of off-street parking. Upstairs you'll find two additional bedrooms, another full bath and a second kitchen. With some minor modifications, this level could potentially function as a separate apartment with its own private entrance. The home is equipped with two separate HVAC systems, one serving each level, and includes two ranges and two refrigerators. There is a fenced backyard, and you can enjoy the outdoors from the private porch and paver patio off the kitchen, which is perfect for grilling out or relaxing over an evening dinner. A full basement provides even more storage and utility space. Throughout the home you'll find the character and charm of an older home combined with a practical, flexible floor plan. A new roof was installed in August 2025. Conveniently located close to downtown Urbana, this home is near restaurants, shopping, entertainment and more. Whether you're looking for a spacious single-family home or a property with potential for multi-generational living, rental income or a future two-unit setup, this property offers plenty of possibilities.

234 Laurel Oak St, Urbana
5080 Glady Creek Dr, Urbana
$250,000
3 Beds ⋅ 2 Baths ⋅ 1047838 MLS
Nice 3 bedroom, 2 bath one story home located in a rural area on a cul-de-sac. HVAC system and pressure tank for the well are approximately 4 years old. Well is 2-3 years old. Needs a new roof, some flooring and garage repairs, but priced accordingly. Softener is rented from Glacier. Fireplace is not warranted as current owner has not used. Property being sold 'as is'.

5080 Glady Creek Dr, 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
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