Rural Homes under $400,000

Rural Homes under $400,000

Welcome to the serene charm of rural Kentucky, where your dream home awaits in a picturesque subdivision that perfectly blends tranquility with modern living. Nestled amidst rolling hills and lush landscapes, this community offers an idyllic escape from the hustle and bustle of city life, inviting you to enjoy a slower pace and the beauty of nature right at your doorstep.

Here, you’ll find an array of charming homes priced under $400,000, making it an excellent opportunity for first-time buyers, families, or those looking to downsize into a peaceful setting. These thoughtfully designed residences feature spacious layouts, cozy interiors, and often come with generous yards, perfect for gardening, outdoor activities, or simply soaking up the sun. Many homes boast modern amenities and finishes, ensuring comfort and style without breaking the bank.

Living in this rural subdivision means embracing a lifestyle rich in community and connection. You'll have the chance to forge lasting friendships with neighbors who share your appreciation for the great outdoors and a close-knit atmosphere. Explore nearby parks, hiking trails, and local farmers' markets, where you can indulge in the freshest produce and handmade goods.

With easy access to nearby towns and cities, you can enjoy the best of both worlds—peaceful rural living with the conveniences of urban amenities just a short drive away. Don’t miss the opportunity to make this enchanting subdivision your new home. Discover the beauty of rural Kentucky today and let your dream home become a reality!

Newest Rural Homes under $400,000

1093 Topton Rd, London
$199,000
3 Beds ⋅ 2 Baths ⋅ 26027420 MLS
NEW CONSTRUCTION on .508 beautiful acres! Welcome to 1093 Topton Road, where modern comfort meets a peaceful country setting. This newly constructed 3-bedroom, 2-bath home offers 1,125 sq. ft. of thoughtfully designed living space and is ready for its first owner. The attractive exterior features dark siding accented by stonework and inviting covered porch space—perfect for relaxing and enjoying the surrounding scenery. The .508-acre lot offers a wonderful combination of open yard and mature trees, with fencing adding to the property's charming country feel. Inside, the efficient 3-bedroom, 2-bath layout provides comfortable everyday living without wasted space. Whether you're purchasing your first home, looking to downsize, or simply want the benefits of brand-new construction, this property offers an appealing opportunity. Fresh, new, and surrounded by beautiful Kentucky scenery—1093 Topton Road is ready to welcome you home!

1093 Topton Rd, London
645 Charlie Abney Rd, Berea
$150,000
3 Beds ⋅ 2 Baths ⋅ 26027413 MLS
Welcome home to this updated 3 bedroom, 2 bath manufactured home situated on a .40 acre lot. The home offers a comfortable living room, dining area, and a functional layout with plenty of space to enjoy. Outside you 'll find a fenced in area (presently used for goats) along with a storage shed. Just minutes away from Owsley Fork Lake and views of farmland and mountains.

645 Charlie Abney Rd, Berea
41 3rd St, Harlan
$74,500
2 Beds ⋅ 1 Baths ⋅ 26027375 MLS
This property has an extra lot deeded as Lot#1 that is included with lot #41 and borders the Martins Fork River.

41 3rd St, Harlan
1541 Author Rd, Carlisle
$245,000
3 Beds ⋅ 2 Baths ⋅ 26027373 MLS
Enjoy the peace and privacy of a rural Nicholas County setting with this three bedroom, two bath brick ranch situated on approximately one acre. This home features a durable metal roof, an attached two car garage, a recently updated kitchen, fresh interior paint, and two updated full bathrooms. The large covered patio and additional outdoor spaces provide plenty of room for relaxing, entertaining, and enjoying the surrounding country setting. The practical ranch style floor plan offers comfortable one level living with three bedrooms, two full baths, a living room, family room, and bonus room. As an added benefit, the seller is offering a $10,000 allowance toward the replacement of the heat pump. A great opportunity for buyers looking for a brick ranch with modern updates, an attached two car garage, generous outdoor living space, and the quiet atmosphere or rural Nicholas County.

1541 Author Rd, Carlisle
617 Hensley Rd, East Bernstadt
$369,000
4 Beds ⋅ 2 Baths ⋅ 26027369 MLS
Welcome home to this stunning 4-bedroom, 2-bath concrete log-sided retreat, perfectly situated on over 6 acres of land. Combining rustic charm with modern finishes, this property offers the best of both worlds. With plenty of cleared land this property is perfect for farming! Step inside to find a beautifully updated interior featuring modern décor and a partially finished basement—ideal for additional living space, entertainment, or a 5th bedroom. The spacious layout provides comfort and functionality for families of all sizes. Outside, you'll fall in love with the outdoor kitchen, perfect for hosting gatherings or enjoying peaceful evenings at home. The property also includes a 2-car detached garage and an additional utility building that can serve as a she shed, man cave, workshop, or extra storage—tailored to fit your lifestyle needs. This home offers privacy, versatility, style, and a beautiful country view—all in one incredible package. Don't miss your opportunity to make this unique property your own!

617 Hensley Rd, East Bernstadt
275 Ridgeway Dr, Morehead
$115,000
3 Beds ⋅ 2 Baths ⋅ 26027367 MLS
Looking for an affordable home in a great Morehead location? Whether you're a first-time homebuyer, looking to downsize, searching for an investment property, or wanting a weekend getaway close to Cave Run Lake—this one checks a lot of boxes! This 3-bedroom, 2-bath singlewide manufactured home is situated on Lot 34 of Lakewood Acres and includes approximately 0.538 acres. You'll have plenty of green space to enjoy along with a 10' x 16' storage building for lawn equipment, lake gear, tools, or additional storage. Location is a major highlight! Situated in a desirable area of Morehead, you're just minutes from Cave Run Lake, interstate access, local restaurants, shopping, and other area amenities. Spend the weekend at the lake or enjoy the convenience of an easy commute while still having room to relax at home. And did we mention the NEW ROOF? A new roof was installed just before the home was listed, taking one major homeownership expense off the list for the next owner! Affordable, convenient, and versatile—this property offers so many possibilities. Make it your first home, simplify and downsize, add it to your investment portfolio, or create your own weekend getaway near Cave Run Lake. You really have to see this home and its location in person to appreciate everything it has to offer. Schedule your private showing today!

275 Ridgeway Dr, Morehead
5250 Dry Creek Rd, Elk Horn
$175,000
2 Beds ⋅ 1 Baths ⋅ 26027365 MLS
Beautiful cabin surrounded by farmland. This 1 acre lot is part of a 29 acre tract also for sale. The authentic log cabin was handcrafted with locally sourced logs and traditional dovetail construction, offering the character and rural setting that make Kentucky living so special. Located in Elkhorn community of Casey County with convenient access to Liberty (14 miles), Campbellsville (20 miles) and Green River Lake (25 miles). The home features 2 bedrooms, 2 full baths, plus a versatile loft overlooking the living room. The large master bath features a classic clawfoot tub and antique-inspired furniture vanity. The kitchen comes equipped with a gas range, double oven, refrigerator, dishwasher and microwave with butcherblock countertops. A separate laundry room adds everyday convenience. With its authentic log construction, beautiful acreage, peaceful country setting, this unique property offers an opportunity for a full time residence or weekend retreat.

5250 Dry Creek Rd, Elk Horn
2550 Kiddville Rd, Winchester
$335,000
3 Beds ⋅ 2 Baths ⋅ 26027363 MLS
Country living without being far from where you need to be! Situated on approximately 4 beautiful, flat and usable acres, this property is just minutes from Mt. Sterling, approximately 12 minutes from downtown Winchester, and a short drive to Lexington—giving you the peace and space of the countryside while keeping shopping, dining and everyday conveniences within easy reach. Built in 2023, this beautiful manufactured home offers 1,860 sq. ft., 3 bedrooms and 2 full baths with a comfortable, welcoming layout. The cozy yet generously sized living room features a beautiful fireplace with built-in shelving, creating a warm and inviting space to relax, gather and feel right at home. The kitchen is a home chef's dream, offering an abundance of cabinetry, a large center island, farmhouse-style sink, stainless appliances and statement range hood, along with an adjoining dining area filled with natural light. A generously sized laundry/utility room adds even more functionality with a utility sink, additional cabinetry and pantry/storage space. The primary suite provides a relaxing retreat with a walk-in closet and private bath featuring a large walk-in tiled shower and separate soaking tub. Two additional nicely sized bedrooms provide comfortable, welcoming spaces for family or overnight guests, with a second full bath conveniently located nearby. Outside is where this property really sets itself apart. The enclosed garage/workshop provides valuable space for your side-by-side, lawn equipment, tools and more. If you've been dreaming of having your own workshop space at home, this one is ready for you. Attached to the garage is an expansive covered entertaining area, complete with a fireplace and bar-style island. From cookouts and game days to movie nights, birthday parties, gatherings or cozy evenings around the fire, there are so many ways to enjoy this space. The outdoor living continues with a covered front porch and screened-in porch, perfect for sitting back and taking in the peaceful scenery. And when warmer weather returns, the above-ground pool with its large surrounding deck is ready to enjoy. Four flat acres, plenty of room inside and out, and country living with town still close by this is a property you'll want to experience in person. Come take a look!

2550 Kiddville Rd, Winchester
196 Devils Neck Rd, Corbin
$269,000
3 Beds ⋅ 2 Baths ⋅ 26027325 MLS
Beautiful new construction offering 3 bedrooms and 2 full bathrooms with a thoughtfully designed, modern layout. This home features a spacious primary suite complete with a large bedroom, generous closet, and private bathroom. The kitchen showcases white shaker cabinetry, new appliances, modern finishes, and everything today's buyers are looking for. With everything brand new, this home is truly move-in ready and also includes a one-year builder's warranty for added peace of mind. Conveniently located near I-75 and just minutes from town, local restaurants, shopping, hospitals, and other amenities. This beautiful new construction combines modern comfort, style, and an excellent location—ready for you to make it home!

196 Devils Neck Rd, Corbin
293 Johnson Ford Rd, Owingsville
$149,000
2 Beds ⋅ 1 Baths ⋅ 26027316 MLS
Perfect starter home! Nice 1 acre lot with a 2 bedroom, 1 bath home, enjoy the peace and quiet of rural living! Move in ready!

293 Johnson Ford Rd, Owingsville
9826 Kentucky, Boaz
$199,900
3 Beds ⋅ 2 Baths ⋅ 26027299 MLS
This property is eligible under the Freddie Mac First Look Initiative through 11/01/2026. The Freddie Mac First Look Initiative is anongoing initiative that offers owner occupant homebuyers (purchasing the home as their primary residence), Neighborhood Stabilization Program (NSP)grantees and non-profits engaged in community stabilization efforts the ability to purchase HomeSteps homes during their initial 30 days of listing withoutcompetition from investors. If you want to view this property please call for an appointment. Subject age is not known but construction is assumed to be pre 1978. Subject has 2 detached garages and separate covered storage. Property sold as is where is.

9826 Kentucky, Boaz
992 Stonegate Dr, Burnside
$349,900
2 Beds ⋅ 1 Baths ⋅ 26027288 MLS
From the second you walk in the front door you'll be so happy you made the decision to own this lake home. It oozes lake home. The first whiff of cedar, the huge wall of windows looking out to the year round view of the lake, the soaring ceilings with the accompanying stone fireplace rising to the ceiling...all spell lake home. It'll be great fixing breakfast with that view from the kitchen. It is also just a short stroll down the path to the lake. It has also performed well as an Air BnB. Fully furnished and ready to go, just bring your toothbrush.

992 Stonegate Dr, Burnside
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