Urbana Homes under $400,000

Urbana Homes under $400,000

Welcome to Urbana, Ohio – a charming city that beautifully blends small-town warmth with modern conveniences. Nestled in the heart of Champaign County, Urbana is a vibrant community known for its rich history, picturesque landscapes, and friendly atmosphere. With a population that embraces its roots while looking towards the future, Urbana offers a welcoming environment for families, professionals, and retirees alike.

One of the most appealing aspects of Urbana is its diverse selection of homes, particularly those under $400,000. Whether you’re a first-time homebuyer, looking to downsize, or searching for a cozy family retreat, Urbana has something to suit every taste and budget. From quaint bungalows and charming historic homes to modern developments, you’ll find properties that reflect the unique character of this delightful city.

Urbana boasts excellent schools, beautiful parks, and vibrant local businesses that create a strong sense of community. Residents enjoy a variety of recreational activities, including hiking and biking trails, sports facilities, and annual festivals that celebrate the city’s heritage. With easy access to major highways, Urbana is conveniently located for commuting to nearby cities while still offering the tranquility of suburban living.

Explore the possibilities of owning a home in Urbana, where affordability meets charm. With homes available under $400,000, now is the perfect time to discover the joys of living in this inviting city. Come and experience the warmth and community spirit of Urbana – your dream home awaits!

Newest Urbana Homes under $400,000

1419 Grimes Cir, Urbana
$359,900
4 Beds ⋅ 3 Baths ⋅ 1048855 MLS
Welcome to this beautifully updated, move-in ready home offering exceptional space, style, and versatility! Featuring 5 bedrooms and 2 fully updated bathrooms, this property delivers everything today's buyer is looking for. From the moment you arrive, you'll notice the great curb appeal and a large 2-car garage providing ample parking and workspace. Step inside to discover a great floorplan highlighted by newer windows that flood the home with natural light. There is a gorgeous, updated kitchen, perfectly designed for modern living and entertaining. Flexibility is a major highlight here, with several rooms that can easily adapt as flex spaces--ideal for a home office, playroom, hobby room, or guest quarters. Storage will never be an issue with an abundance of closet space throughout, plus a full basement ready for future expansion or ultimate organization. There is also a functional half bath in the basement. Step outside into your private backyard oasis! Enjoy crisp evenings on the nice patio gathered around the cozy propane fire pit--the ultimate setup for relaxing or hosting weekend getaways with friends and family. Don't miss out on this incredible property that checks every box. Schedule your private tour today

1419 Grimes Cir, Urbana
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
964 Bon Air Dr, Urbana
$399,900
4 Beds ⋅ 2 Baths ⋅ 1048728 MLS
Welcome to this stately and spacious home in the sought-after Bon Air neighborhood, where classic charm meets generous living space. Set on an expansive corner lot with impressive curb appeal, this over 2,500 square foot home offers four bedrooms, an office that could easily serve as a fifth bedroom, and two full baths. A large foyer with beautiful slate flooring welcomes you inside. The formal living room features an oversized bay window and a striking floor to ceiling brick wall surrounding the gas fireplace, creating a warm and inviting focal point. Just beyond the living room, the dining room offers another bay window and connects seamlessly to the eat in kitchen. The kitchen provides abundant cabinetry and counter space, with appliances included, and overlooks the sunken family room. The family room offers plenty of space to relax and opens directly to the patio and backyard. The main level is completed by a versatile office, full bath and convenient laundry room. Upstairs, you'll find four comfortable bedrooms and a second full bath featuring a large double-sink vanity. The primary bedroom offers a special retreat with access to an upper balcony overlooking the expansive backyard. Outdoor spaces are just as inviting, with a brick-paver sidewalk and front patio adding to the home's timeless appeal. Additional features include a partial basement and a two-car garage for convenient storage and parking. Located near US Hwy 68, 36 and State Route 29 for easy commutes, and also the Scioto Street restaurants and shopping. With its spacious rooms, generous yard and desirable Bon Air location, this is an exceptional home with room to live, entertain and make it your own. No Showings or Offers until Wednesday, September 30, 2026.

964 Bon Air Dr, Urbana
3424 Stony Creek Rd, Urbana
$394,900
3 Beds ⋅ 2 Baths ⋅ 1048712 MLS
Enjoy peaceful, private countryside living just minutes from shopping, schools, and local amenities! This well-maintained home features rich hardwood floors on the main level, a cozy wood-burning fireplace, and a beautifully remodeled kitchen complete with granite countertops and ceramic tile flooring. The finished basement offers exceptional flexible living space, including a large family/rec room, full bath, kitchenette/wet bar, laundry area, and potential for two additional bedrooms. Outdoors, take in quiet rural views from the expansive front deck or relax in the fenced backyard framed by mature trees, featuring a back patio and an extra detached heated garage with no immediate neighbors. Key upgrades and mechanical highlights include updated vinyl insulated double-pane windows, a dual heating system with a heat pump, an owned water softener and filtration systems, a radon mitigation system, a security system, and a roof approximately 12 years old.

3424 Stony Creek Rd, Urbana
219 S Locust St, Urbana
$285,000
3 Beds ⋅ 3 Baths ⋅ 1048688 MLS
A TRUE DOWNTOWN URBANA SHOWSTOPPER! Completely renovated from top to bottom in 2026, this stunning home combines timeless charm, thoughtful design and modern luxury all just steps from everything downtown Urbana has to offer. Enjoy being within easy reach of local restaurants, shopping, breweries, bakeries, festivals and all the vibrant amenities that make downtown living so sought after. From the moment you arrive, the amazing curb appeal and inviting large front porch make an unforgettable first impression. Step inside and you'll immediately feel at home. Beautiful finishes and stylish décor flow throughout the home, creating a warm and welcoming atmosphere. The spacious living room features a gorgeous fireplace and opens seamlessly into the brand-new kitchen. Designed for both everyday living and entertaining, the kitchen boasts a large center island with seating for four, abundant cabinetry and a second wall of cabinets that creates the perfect coffee bar or entertaining station. Appliances convey, including the gas range, dishwasher and top of the line refrigerator. This kitchen is truly a MUST SEE! The main-level owner's suite is a dream come true, featuring a spacious walk-in closet and a stunning owner's bath with a walk-in shower and separate soaking tub. A convenient half bath completes the main level. Upstairs, you'll find two bedrooms, a bonus room perfect for a nursery or home office, and a brand-new full bath. The stacked washer and dryer are conveniently located on the second level, with the option to add a second stacked washer and dryer in the owner's bath. Outside, the private backyard provides a wonderful retreat with a pergola covered patio, perfect for relaxing or entertaining. A new concrete pad provides convenient off-street parking. The basement offers excellent additional storage. There is truly nothing that has been overlooked in this complete 2026 renovation. Every space has been touched, updated and thoughtfully designed.

219 S Locust 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
5512 Storms Creek Rd, Urbana
$292,500
3 Beds ⋅ 2 Baths ⋅ 1048632 MLS
Welcome to this wonderful rural retreat situated on 1.377 acres with a peaceful creek, offering the perfect blend of privacy, charm, and comfort. This well-loved brick ranch features 3 bedrooms, 2 full bathrooms, and a spacious living room accented by a warm electric fireplace. The efficient galley kitchen opens to a cozy dining area, creating an inviting space for everyday meals and gatherings. A 2.5-car attached garage provides ample storage, while the huge lower-level rec room and additional family room with a decorative fireplace offer flexible spaces for entertainment, hobbies, or relaxation. Enjoy quiet mornings on the front deck or unwind in the enclosed screened porch, taking in the peaceful rural surroundings. This home has been thoughtfully maintained with many valuable updates, including: Transferable interior French drain and waterproofed basement Newer roof Updated windows and doors Updated electric and plumbing systems Septic pumped in 2025 Leach field work completed in 2022 by Alexander's With its serene setting, spacious layout, and extensive updates, this property offers the ideal combination of comfort, character, and country living.

5512 Storms Creek Rd, Urbana
276 Dellinger Rd, Urbana
$339,900
3 Beds ⋅ 2 Baths ⋅ 1048612 MLS
Welcome to 276 Dellinger Road, where peaceful country living meets the convenience of being close to town! Located in the West Liberty-Salem School District, this beautifully remodeled bi-level home rests on a gorgeous wooded lot surrounded by mature trees and landscaping. The thoughtfully designed floor plan offers 3 bedrooms, 1.5 bathrooms and plenty of comfortable living and storage space. Since 2020, the home has received numerous updates and upgrades, including new flooring, fresh paint, remodeled bathrooms, an updated kitchen, energy-efficient windows and a new roof. Beautiful hardwood floors add warmth and character throughout. Outside, enjoy the fenced backyard, inviting paver patio and wonderful outdoor spaces perfect for relaxing, entertaining and play. All children's play equipment will convey with the property. This energy-efficient, all-electric home may also qualify for a reduced electric rate. With so much already completed, all that is left to do is move in and enjoy. Complete appliance package to convey with the home to include washer and dryer. Call today for your private tour!

276 Dellinger Rd, Urbana
121 New Haven Dr, Urbana
$389,900
3 Beds ⋅ 2 Baths ⋅ 1048605 MLS
Hard to find, well maintained and move in ready, this spacious one level home in the desirable Bon Air subdivision offers nearly 2,300 square feet of comfortable living space, with 3 bedrooms and 2 full baths. Situated on more than a half-acre lot, this property combines everyday convenience with an incredible private outdoor retreat. The centerpiece is the 20' x 40' inground pool, surrounded by white PVC privacy fencing, creating your very own backyard mini resort, perfect for relaxing, entertaining, and enjoying those warm summer days. Inside, the home offers an abundance of flexible living space with a traditional living room, family room, and bonus room that opens directly into the impressive three-seasons room. Featuring cathedral ceilings and walls of windows overlooking the pool and private backyard, the three-seasons room provides a beautiful extension of the home's living space and a wonderful place to enjoy the outdoors from the comfort of inside. The oversized primary bedroom is a true private ''get away'', complete with a primary bath, with walk in shower, and an amazing walk-in closet with plenty of room for storage. The kitchen offers loads of cabinetry and includes all appliances, which were new in 2019, including the range, refrigerator, microwave, and dishwasher. Conveniently located just off the kitchen is the laundry room, which provides easy access to the attached two-car garage. Numerous updates provide peace of mind, including a water heater installed in 2018, roof and water softener updated in 2016, windows replaced in 2008, and a new pool liner installed in 2024. Outside of the home, you'll appreciate the privacy and space of the oversized lot while still being conveniently located near the Scioto Street corridor, with its variety of restaurants, shopping, banking, groceries, and more. If you've been searching for a one level home with generous living space, a private backyard and a pool ready lifestyle, you found it!

121 New Haven Dr, 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
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