Troy Homes under $400,000

Troy Homes under $400,000

Welcome to Troy, Ohio – a charming city nestled in the heart of Miami County, where small-town charm meets modern living. Known for its rich history and vibrant community spirit, Troy offers a delightful blend of picturesque landscapes, friendly neighbors, and a thriving downtown. With its tree-lined streets and historic architecture, you’ll find a welcoming atmosphere that invites you to explore and settle down.

One of the standout features of Troy is its affordability, particularly when it comes to housing. If you’re searching for homes under $400,000, you’ll be pleasantly surprised by the variety of options available. From cozy single-family residences to spacious modern builds, there’s something to suit every lifestyle and taste. These homes often come with beautiful yards, perfect for family gatherings or quiet evenings under the stars.

Troy is not just about beautiful homes; it’s also a community rich in amenities. Enjoy the outdoors at the numerous parks, take a leisurely stroll along the scenic Great Miami River, or indulge in local dining and shopping experiences downtown. The Troy Strawberry Festival, held annually, is a highlight that showcases the city’s vibrant culture and brings residents together.

With excellent schools, friendly neighborhoods, and a strong sense of community, Troy, Ohio, is the perfect place to call home. Whether you’re a first-time buyer or looking to downsize, the real estate market here offers an array of opportunities to find your ideal home without breaking the bank. Discover the charm of Troy today, and let your dream home await you!

Newest Troy Homes under $400,000

1111 Arbor Ln, Troy
$399,000
5 Beds ⋅ 3 Baths ⋅ 1048866 MLS
Welcome home to this spacious brick ranch offering over 3,400 sq feet of finished living space! With the possibility of up to 5 bedrooms and the 3 full bathrooms, the thoughtfully designed floor plan provides plenty of room for comfortable everyday living as well as entertaining. The main level features the 3 bedrooms and 2 full bathrooms, the primary bedroom features a beautiful tray ceiling with built in mood lights and the primary bathroom has both a shower and jetted tub! The living room is spacious and inviting equipped with vaulted ceilings and a fireplace, all open to the kitchen. The full finished basement provides a huge bonus room, full bathroom, and 2 additional rooms that could be utilized as bedrooms, offices, workout spaces, etc. truly endless possibilities. The covered back porch and fully fenced in back yard make a great space for relaxing or entertaining.

1111 Arbor Ln, Troy
3080 Magnolia Dr, Troy
$295,000
3 Beds ⋅ 2 Baths ⋅ 1048858 MLS
Welcome to this brick ranch in Troy, offering 3 bedrooms, 2 full baths, and approximately 1,491 square feet of one level living. The layout features a living room, separate dining area, and kitchen with granite countertops and a breakfast nook. Recent updates include renovated bathrooms, and fresh exterior paint and landscaping. Enjoy the fenced backyard from the deck, with a storage shed for extra space. A two-car garage and additional driveway parking add convenience. Masonry fireplace converted to electric insert. Eligible for 0% down USDA loans. Playset to convey or may be removed prior to close. Agent owned.

3080 Magnolia Dr, Troy
549 Locust Ln, Troy
$289,900
4 Beds ⋅ 2 Baths ⋅ 1048845 MLS
Spacious Bi-Level Home with Flexible Living Space Welcome to this spacious and versatile bi-level home offering plenty of room for family, guests, hobbies, and entertaining. The main level features 4 bedrooms and 1 full bathroom, providing comfortable living space for everyone. The lower level adds even more possibilities with a family room, recreation room that could also serve as a 5th bedroom, an office, a full bathroom, and a large workshop--perfect for hobbies, projects, or additional storage. With so many flexible spaces, this home can easily adapt to your needs. Step outside and enjoy the elevated deck overlooking the fenced-in yard, creating a great space for relaxing or entertaining. A fire pit provides the perfect spot for gathering with friends and family, while the sheds remain with the property for additional storage. Recent updates include a new roof installed in 2025 and a water heater installed in 2017. All appliances remain with the home, including the washer and dryer, double oven, dishwasher, microwave, and refrigerator. With generous living space, a flexible lower level, ample storage, and an inviting outdoor area, this home offers plenty of room to make it your own. Schedule your showing today!

549 Locust Ln, Troy
230 S Dorset Rd, Troy
$265,000
3 Beds ⋅ 2 Baths ⋅ 1048829 MLS
Welcome to 230 S Dorset! This 3 bedroom, 2 bathroom brick ranch offers 1,707 square feet and three separate living areas, including extra space for entertaining. A fully remodeled kitchen (2025) with granite countertops and updated appliances (2022). Other updates include a remodeled guest bathroom (2020), new carpet throughout (2026), and a new heat pump, furnace, and water heater (2023). Kitchen plumbing under the slab and plumbing to the laundry room have also been replaced. Giving buyers peace of mind for years to come. Outside, enjoy a fenced-in yard with no rear neighbors! Schedule your showing today!

230 S Dorset Rd, Troy
421 S Counts St, Troy
$179,900
3 Beds ⋅ 1 Baths ⋅ 1048823 MLS
ONE OWNER!! Built in 1954 by owners father it is a one of a kind one-owner home. Inside you will find many built-ins, beautiful original knotty-pine walls and original wood floors. Newer HVAC three bedrooms full eat-in kitchen, living room and extra space between. This home features a full basement with plumbing for second bath! and unique attic perfect for storage and more. Outside you will find an outdoor living space enclosed with windows overlooking the nice backyard. A detached garage with side parking that is covered with alley access. Nicely maintained and ready to move in!

421 S Counts St, Troy
709 W Market St, Troy
$239,000
4 Beds ⋅ 1 Baths ⋅ 1048818 MLS
Charming 4-Bedroom Home on .86 Acres with Large Barn Looking for space, land, and opportunity? This approximately 1,600-square-foot home sits on a beautiful .86-acre lot and offers plenty of room to make it your own. Featuring 3 bedrooms and 1 full bathroom, the home also offers the potential for a 4th bedroom on the main floor, providing flexibility for a growing family, home office, or additional living space. Several important updates have already been completed, including a new roof in 2020, new water heater and sump pump in 2024, and new flooring throughout the main floor in 2024. The home also features blown-in insulation, a mini-split AC system, and a new fireplace that provides heat to the main floor. Outside, the property offers plenty of room to enjoy the acreage, along with a 30' x 30' Cleary two-story agricultural barn. The barn provides excellent additional storage and workspace and offers numerous possibilities for hobbies, equipment, workshop space, or agricultural use. With its combination of acreage, updates, outbuilding, and potential additional bedroom, this property offers an excellent opportunity for someone looking for a home with room to grow and personalize. Property Highlights: · Approximately 1,600 sq. ft. · 3 bedrooms · 1 full bathroom · Potential 4th bedroom on main floor · .86-acre lot · New roof - 2020 · New water heater - 2024 · New sump pump - 2024 · New main-floor flooring - 2024 · Blown-in insulation · Mini-split AC · New fireplace providing heat to main floor · 30' x 30' Cleary two-story agricultural barn · Plenty of outdoor space · Home is being sold AS IS Bring your vision and take advantage of the space, updates, acreage, and possibilities this property has to offer!

709 W Market St, Troy
2473 S County Road 25a, Troy
$325,000
3 Beds ⋅ 2 Baths ⋅ 1048806 MLS
Welcome home to this Troy Schools Ranch Home offering 3 Bedrooms + 2 Full Baths and 2,030+ sq/ft. Plus a FULL Semi Finished basement with Rec Room - Situated on a .96 Acre Lot! Featuring a detached 24x40 heated 2+ Car Garage with Workshop. Spacious 25x20 Family Room addition with Cast Iron Stove, Built-in Shelving & Wall of Windows. On the Main Floor is a Laundry Rm, Formal Living Room with Brick Fireplace, Dining Room flows into Kitchen with Tiled Counters & Tons of Storage in your Wood Cabinets. 2 Good Sized Bedrooms Share 1 Full Bath. The Primary Suite offers an Ensuite with Extended Vanity & Walk-in Shower. The Full Semi-Finished Basement has plenty of room for storage with 1,292 sq/ft. Lennox Furnace & A/C '16. Private Scenic Fenced Backyard with Spacious Deck, Storage Shed & Mature Trees. Upgrades /Improvements are needed - Priced to Sell AS-IS.

2473 S County Road 25a, Troy
107 S Crawford St, Troy
$265,000
5 Beds ⋅ 3 Baths ⋅ 1048724 MLS
Great Investment Opportunity - Fully Occupied Multi-Family Property! Investors, take a look at this 5-bedroom, 3-bath, 3,240-square-foot multi-family property offering an excellent opportunity to add a fully occupied income-producing property to your portfolio! The property features three separate units, including two 2-bedroom, 1-bath units and one 1-bedroom, 1-bath unit. With all three units currently occupied by tenants, this property provides immediate rental income and an opportunity for an investor to build long-term cash flow. With a desirable mix of unit sizes, solid overall square footage, and three occupied units, this property offers the potential for continued rental income and future investment growth. Whether you're an experienced investor looking to expand your portfolio or a first-time investor searching for an income-producing property, this multi-family opportunity is worth a look. Property Highlights: 3,240 total square feet 5 bedrooms / 3 bathrooms 3 separate rental units Two 2-bedroom, 1-bath units One 1-bedroom, 1-bath unit All three units currently tenant occupied Income-producing investment property Great opportunity for investors Don't miss the opportunity to own a fully occupied multi-family property with three income-producing units!

107 S Crawford St, Troy
1279 Skylark Dr, Troy
$215,000
3 Beds ⋅ 1 Baths ⋅ 1048718 MLS
Welcome home to 1279 Skylark! This move-in-ready, 1,131-square-foot home features fresh paint, new vinyl flooring throughout, and new entry and interior doors. An open floor plan flows into a spacious sunroom just off the kitchen, offering plenty of room to relax or entertain. The newer washer, dryer, and refrigerator stay with the home for added convenience. Outside, enjoy a fenced backyard with a shed for extra storage. With updates already in place and a fresh, neutral palette, this home is ready for your personal touch!

1279 Skylark Dr, Troy
2504 Worthington Dr, Troy
$394,000
3 Beds ⋅ 2 Baths ⋅ 1048652 MLS
Convenient, single floor living at it's best! This updated, well-maintained brick beauty with an open floor plan is ready for you! The cozy porch welcomes you. The entryway leads to the great room with vaulted ceiling, corner fireplace, and plenty of natural light, Awesome! Updated flooring really sets this one off. The adjacent dining area overlooks the rear yard with patio. The kitchen is sharp with tons of cabinets, solid surface tops, a planning desk, corner sink, tile flooring, and the appliances stay. Fantastic! Two of the spacious bedrooms have newer carpeting and big closets! The master suite is huge! Crown moulding, beautiful flooring and private bath. So nice! Outside, enjoy comfortable evenings on the patio. Updates include roof 2022, water heater 2022, light fixtures 2022, fencing 2024. Close to everything! What a gem! Come see!

2504 Worthington Dr, Troy
2403 New Castle Dr, Troy
$232,500
3 Beds ⋅ 2 Baths ⋅ 1048328 MLS
Welcome home to 2403 New Castle Drive in Troy! This inviting brick ranch offers comfortable one-level living with plenty of space to make your own. Step inside to find new flooring throughout, creating a fresh and cohesive feel from room to room. The home features spacious living areas, including a welcoming family room highlighted by a brick fireplace, perfect for relaxing or gathering with family and friends. The kitchen offers ample cabinetry and counter space, stainless steel appliances, and an adjoining dining area for everyday meals. The home also features newly updated bathrooms, adding a fresh touch to the interior. For added peace of mind, the HVAC system was replaced in 2021. One of the home's standout features is the screened-in Florida room, providing a wonderful additional space to relax, entertain, or enjoy views of the backyard. Outside, you'll find a fenced backyard with plenty of room for outdoor activities, along with a storage shed and fire pit area. An attached two-car garage provides convenient parking and additional storage. With its brick exterior, thoughtful updates, spacious layout, and inviting indoor and outdoor living spaces, 2403 New Castle Drive is ready to welcome its next owner. Schedule your private showing today

2403 New Castle Dr, Troy
1108 E Main St, Troy
$262,900
3 Beds ⋅ 2 Baths ⋅ 1048292 MLS
THIS DUTCH COLONIAL IS CLOSE TO DOWNTOWN, RIVER ACCESS AND THE BIKE TRAIL.THE HOME OFFERS A FORMAL DINING ROOM, EAT- IN KITCHEN WITH ABUNDANT CABINET SPACE & BREAKFAST BAR, 2 FULL BATHS, FULL FINISHED BASEMENT WITH FAMILY ROOM, A UTILITY ROOM WITH FOLDING COUNTER & LAUNDRY TUB. THE YARD IS PERFECT FOR ENTERTAINING WITH THE 27X15 SCREENED PARTY ROOM (NEEDS NEW SCREENING) 32X20 PATIO & BACKYARD FIREPIT ALL ENCLOSED IN A PRIVACY FENCED BACKYARD. THE GARAGE WAS AN OVERSIZED 2 CAR, RECONFIGURED FOR A WORKBENCH & STORAGE. IT CAN EASILY BE MODIFIED BACK FOR ORIGINAL PURPOSE. A HUGE UTILITY SHED IS ALSO IN BACK. THE COVERED FRONT PORCH IS IDEAL FOR SEASONAL DECORATING, RELAXING, OR JUST WATCHING THE WORLD GO BY. THERE'S PLENTY OF VERSATILITY AND CHARM HERE IN THE HEART OF TROY.

1108 E Main St, Troy
Start Your Search