Homes under $400K for sale in Bailey, NC

As of October 28, 2026, there are 33 homes under $400K for sale in Bailey, NC, with a middle asking price of $327,900 (from $259,900 to $399,500). 1 came on the market in the last week. Another 6 are under contract.

As of October 28, 2026, the middle asking price is $327,900, about $168 per square foot for a typical 1,891 sq ft. Under $300K: 10; $300K–$500K: 23.

In the 12 months through October 28, 2026, 94 sold at a middle price of $323,495, typically for 98.6% of the first asking price after about 58 days on the market.

In the 12 months through October 28, 2026 they typically sold in about 58 days, at 98.6% of the first asking price.

As of October 28, 2026, Whitley Crossing (10), Bull Head Landing (9), Williams Grove (5), Williams Ridge (3), Beaver Dam Crossing (2), Morganshire (2).

A mortgage payment has two parts: principal and interest, which depend on the price, your down payment and the rate a lender offers you; and the costs on top — property taxes, homeowners insurance (and flood insurance near the water), HOA dues where there's an association, and mortgage insurance if you put less than 20% down. Each home's page has a calculator that uses the rate you've been quoted and that home's own taxes and HOA dues from the listing. For your actual rate and Annual Percentage Rate (APR), ask a licensed lender — we can introduce you to Joey Milam at Alpha Mortgage Advantage, or you're free to choose any lender.