Homes under $400K for sale in Smithfield, NC

As of October 31, 2026, there are 32 homes under $400K for sale in Smithfield, NC, with a middle asking price of $317,400 (from $149,900 to $399,900). 1 came on the market in the last week. Another 12 are under contract.

As of October 31, 2026, the middle asking price is $317,400, about $192 per square foot for a typical 1,583 sq ft. Under $300K: 12; $300K–$500K: 20.

In the 12 months through October 31, 2026, 82 sold at a middle price of $324,000, typically for 98.7% of the first asking price after about 84 days on the market.

In the 12 months through October 31, 2026 they typically sold in about 84 days, at 98.7% of the first asking price.

As of October 31, 2026, Lucas Park (5), Charlestowne (2), East River (2), Savanna Oaks (2), Tralee (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.