Homes under $400K for sale in Elm City, NC

As of October 27, 2026, there are 18 homes under $400K for sale in Elm City, NC, with a middle asking price of $251,000 (from $136,500 to $389,000). 2 came on the market in the last week. Another 5 are under contract.

In the 12 months through October 27, 2026, 65 sold at a middle price of $250,000, typically for 98.1% of the first asking price after about 34 days on the market.

The most choices right now are in Windsor Lake.

Newest homes under $400K in Elm City

$150,000

4 bd · 2 ba · 1,840 sq ft

0.26 ac · 2-car garage

201 S Pender Street, Elm City, NC 27822

Listed by Beycome Brokerage Realty LLC

$267,000

3 bd · 2 ba · 1,025 sq ft

0.49 ac · 2-car garage

4204 Westerly Court, Elm City, NC 27822

Listed by Our Town Properties Inc.

4602 Lake Wilson Road, Elm City, NC 27822

$279,900

2 bd · 2 ba · 1,590 sq ft

0.90 ac · 2-car garage

4602 Lake Wilson Road, Elm City, NC 27822

Listed by Our Town Properties Inc.

7222 Thorne Farm Road, Elm City, NC 27822

$214,900

3 bd · 2 ba · 1,329 sq ft

0.49 ac

7222 Thorne Farm Road, Elm City, NC 27822

Listed by Grow Local Realty LLC

8453 Carter Grove Drive, Elm City, NC 27822

Price cut from $355K

$338,900

3 bd · 3 ba · 1,999 sq ft

1.3 ac · $13/mo HOA

8453 Carter Grove Drive, Elm City, NC 27822

Listed by EXP Realty LLC - C

$270,000

3 bd · 2 ba · 1,548 sq ft

0.48 ac · 2-car garage

4719 Lakeview Road, Elm City, NC 27822

Listed by Reams Team Realty, LLC

$344,900

3 bd · 3 ba · 2,447 sq ft

0.46 ac · 2-car garage

4136 Bertines Court, Elm City, NC 27822

Listed by Chesson Realty

$389,000

3 bd · 2 ba · 1,852 sq ft

0.97 ac · 2-car garage

4741 Joyner Road, Elm City, NC 27822

Listed by Coldwell Banker Allied Real Es

6325 Rock Quarry Road, Elm City, NC 27822

$136,500

3 bd · 1 ba · 1,300 sq ft

2.1 ac

6325 Rock Quarry Road, Elm City, NC 27822

Listed by First Wilson Properties

7511 Bakertown Road E, Elm City, NC 27822

$235,000

3 bd · 2 ba · 1,300 sq ft

1.1 ac · 1-car garage

7511 Bakertown Road E, Elm City, NC 27822

Listed by Branco Realty

$179,900

3 bd · 2 ba · 1,291 sq ft

0.46 ac

4624 Windsor Road, Elm City, NC 27822

Listed by EAST COAST PROPERTIES

6321 Nc 42 Highway E, Elm City, NC 27822

$225,000

4 bd · 2 ba · 2,229 sq ft

1.5 ac · 1-car garage

6321 Nc 42 Highway E, Elm City, NC 27822

Listed by KW Wilson (Keller Williams Realty)

$330,000

3 bd · 3 ba · 2,507 sq ft

0.93 ac

8557 Nc 58 S, Elm City, NC 27822

Listed by EXP Realty LLC - C

$360,000

3 bd · 3 ba · 1,801 sq ft

0.91 ac · 2-car garage

3916 Riviera Drive, Elm City, NC 27822

Listed by Century 21 Sterling Combs

Price cut from $155K

$139,900

3 bd · 2 ba · 2,175 sq ft

0.21 ac

107 Church Street E, Elm City, NC 27822

Listed by Chesson Realty

5306 Temperance Hall Road, Elm City, NC 27822

$147,000

3 bd · 2 ba · 1,916 sq ft

0.70 ac

5306 Temperance Hall Road, Elm City, NC 27822

Listed by Moorefield Real Estate LLC

$189,500

3 bd · 1 ba · 1,000 sq ft

0.46 ac

4443 Upchurch Road, Elm City, NC 27822

Listed by Moorefield Real Estate LLC

3809 Lightwater Lane, Elm City, NC 27822

New · ready now

$289,900

3 bd · 2 ba · 1,362 sq ft

0.27 ac · $17/mo HOA

3809 Lightwater Lane, Elm City, NC 27822

Listed by EXP Realty LLC - C

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Price mix

Under $300K13
$300K–$500K5
$500K–$750K0
$750K–$1M0
$1M+0

Where they are

Windsor Lake · Elm City · 2 for sale · $224,950 middle

Under $400K in nearby towns

Wilson162 for sale Sims18 for sale Lucama6 for sale

Questions, answered

How many homes under $400K are for sale in Elm City, NC?

What do homes under $400K cost in Elm City, NC?

As of October 27, 2026, the middle asking price is $251,000, about $166 per square foot for a typical 1,696 sq ft. Under $300K: 13; $300K–$500K: 5.

What did homes under $400K sell for in Elm City, NC last year?

In the 12 months through October 27, 2026, 65 sold at a middle price of $250,000, typically for 98.1% of the first asking price after about 34 days on the market.

How fast do homes under $400K sell in Elm City, NC?

In the 12 months through October 27, 2026 they typically sold in about 34 days, at 98.1% of the first asking price.

Which communities in Elm City, NC have the most homes under $400K for sale?

As of October 27, 2026, Windsor Lake (2).

How do I estimate a monthly payment on a home in Elm City, NC?

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.

Explore more

Under $400K across all 5 counties Under $400K in Wilson County Communities in Elm City Single-family One-story Primary on main Open houses New this week Price reduced

Figures are computed live from MLS listing data for Elm City, NC, under $400k only. Middle = median. Listing data is deemed reliable but not guaranteed.