White County Homes under $400,000

Our website features the best real estate search for homes, condos, land and foreclosure properties available in White County and surrounding areas. It is the only site you will ever need! It is easy-to-use and updated by the official Realtor®’s database every 15 minutes.

You can save searches, and get daily email alerts of new listings, price changes, sold data, and market reports. Our Interactive Map Search allows you to view properties on a map or refine your search by drawing the boundaries around the area you desire.

Curious about what’s happening in your neighborhood? You can create a custom market report to see what’s active, under contract, and sold in your neighborhood!

Considering selling or refinancing your home? Get an INSTANT property valuation now!

Newest White County Homes under $400,000

$189,900

4 Beds ⋅ 3 Baths ⋅ 202640834 MLS ⋅ 1,984 SqFt. ⋅ Ryan Clemons

If space, character, and value are what you are looking for, this in-town home offers a lot of house at an approachable price point. Featuring 4 bedrooms, 3 full baths, and ample living space, the home is filled with historic woodwork, charm, and a spacious layout. The primary bedroom features vaulted ceilings and plenty of natural light. Outside, you’ll find both a 2-car detached garage and an additional 1-car detached garage, offering excellent space for parking, storage, a workshop, or hobbies. The home could benefit from some updating and repairs, but the attractive price point gives buyers an opportunity to make improvements over time while enjoying the space and character from day one. Convenient in-town location and plenty of potential make this one worth a look.

215 S Main St, Monticello

Listing courtesy of Ryan Clemons from Redlow Group.

$115,000

2 Beds ⋅ 1 Baths ⋅ 846225 MLS ⋅ 898 SqFt. ⋅ Trisha Potts

Check out this affordable housing opportunity, with the 2 bedroom, 1 bath home located directly across from the intermediate school! This home is the perfect opportunity for the buyer looking to build a little sweat equity and features a large primary bedroom and generously sized laundry room with plenty of space for additional storage. Outside is a nice-sized backyard with room to relax, play, garden or entertain. This home is ready for updates and personal touches, but with a little work, it has the potential to become a charming and comfortable place to call home, Whether you're a first time buyer, downsized, or looking for your next project, this property is full of possibilities. Call an agent today.

124 W School Street, Wolcott

Listing courtesy of Trisha Potts from RE/MAX Executives.

$335,000

5 Beds ⋅ 2 Baths ⋅ 202640210 MLS ⋅ 3,355 SqFt. ⋅ Sirena Conway

Known as "The Big House" this property has been owned by the same family since 1971. This gorgeous Prairie-Style American Foursquare brick home was built in the 1920's by a banker who then lost it in the great stock market crash of 1929. It features 3355 SF, a portico, original hardwood floors, 2 fireplaces (not currently functioning), gorgeous walnut paneling, beveled glass windows, original walnut dental crown molding, and a Holmes Disappearing Bed cleverly hiding beneath the book case in the "library" room. Don't miss the built-in cabinets and giant hand-crafted bi-fold doors. Relax on the cool, covered 390 SF front porch or on the second story "sun porch." Enjoy the warmth of radiator heat provided by the new high efficiency boiler installed January 2025. This house has plenty of space for everyone and a yard to match with mature trees and a prolific apple tree. The gazebo in the back yard has a canvas top (currently being stored in the rec room) which bolts to the top. Don't miss the family-friendly park in town that features a playground and splashpad! Fencing visible in some photographs has been removed.

103 E Walnut St, Chalmers

Listing courtesy of Sirena Conway from Indiana Integrity REALTORS. sirenasells4u@gmail.com

$195,000

4 Beds ⋅ 1 Baths ⋅ 202639949 MLS ⋅ 1,724 SqFt. ⋅ Alondra Alvarez

Welcome to this spacious 4-bedroom, 1-bath home in the quiet town of Reynolds. With more than 1,700 square feet, an oversized lot, and an oversized garage, there’s plenty of room inside and out. The main floor features two large bedrooms, an open living and kitchen area, convenient laundry, and a roomy bathroom with an attached walk-in closet. Upstairs are two additional spacious bedrooms. Enjoy the enclosed porch or relax on the front deck. Updates include a remodeled kitchen and bathroom, new flooring, fixtures, and paint, a brand-new furnace, and a roof installed in 2018.

309 E Logan St, Reynolds

Listing courtesy of Alondra Alvarez from Alvarez Real Estate.

$399,900

4 Beds ⋅ 2 Baths ⋅ 202639911 MLS ⋅ 1,984 SqFt. ⋅ Nathan Walts

Discover the best of Lake Shafer living in this spacious 1984 sq ft brick walkout ranch offering an impressive 160' of frontage on peaceful Hoagland Bay, along with panoramic views of the main lake. This 4 bed, 2 bath home features an eat-in kitchen on the main level and a convenient kitchenette in the lower level family room, making it ideal for entertaining or extended stays. The walkout basement offers an optional third garage bay that could also serve as a workshop, hobby space, or additional storage. With tons of storage throughout, there’s plenty of room for all your lake gear and everyday essentials. Outside, enjoy the calm bay from your concrete dock and wood pier, perfect for boating, fishing, swimming, or simply relaxing by the water. The protected Hoagland Bay setting provides calmer waterfront while still giving you beautiful, wide open views of Lake Shafer. A unique combination of space, waterfront, and views makes this a fantastic opportunity to enjoy lake life!

4024 N West Shafer Dr, Monticello

Listing courtesy of Nathan Walts from REAL ESTATE NETWORK L.L.C.

$154,900

3 Beds ⋅ 2 Baths ⋅ 202639839 MLS ⋅ 1,176 SqFt. ⋅ Jesse Douglass

Very well maintained 3 Bedroom 1 1/2 Bath House that is close to grocery stores and schools. It is also just a short walk to the park with brand-new pickle-ball courts. New Central Heat/AC and updated throughout with a remodeled kitchen, bath, flooring, and paint. Don't let this reasonably priced home in Monticello pass you by and schedule a showing now!

434 Turpie St, Monticello

Listing courtesy of Jesse Douglass from Family Realty Group.

$220,000

3 Beds ⋅ 2 Baths ⋅ 202639636 MLS ⋅ 1,195 SqFt. ⋅ Samuel McClellan

Welcome to 704 E Columbia Street! This beautifully updated 3-bedroom, 1.5-bath home offers 1,195 square feet of refreshed living space with a brand-new interior! Nearly every detail has been thoughtfully updated, including new flooring, fresh paint, new trim, modern light fixtures, and updated bathroom fixtures. The completely renovated kitchen features brand-new cabinetry, countertops, sink, and appliances, along with charming exposed brick that adds warmth and character. The floor plan has been reconfigured from two bedrooms to three, and an additional half bath has been added for extra convenience. You'll also find exposed brick in one of the bedrooms, adding a unique touch to the home's inviting interior. Additional improvements include leveled flooring, a newer roof and tankless water heater, and a programmable keypad entry. Outside, enjoy the spacious backyard, complete with a dedicated outdoor barbecue area and plenty of room for entertaining, relaxing, or gardening. The property also offers dedicated outdoor space with the potential to add a garage or carport, providing additional parking or storage possibilities. A storm cellar adds another practical feature to this charming property. With its extensive interior updates, flexible living space, and generous backyard, this home is ready for its next owner to move right in and enjoy!

704 E Columbia St, Chalmers

Listing courtesy of Samuel McClellan from ceXp Realty, LLC.

$225,000

2 Beds ⋅ 2 Baths ⋅ 202639539 MLS ⋅ 1,239 SqFt. ⋅ Jessica LaMar

Welcome to 107 N Woods St! This two bedroom, two full-bath home packs plenty of function into its 1,239 square feet. Step inside to an open-concept layout where the living room flows seamlessly into the kitchen and continues into a flexible bonus space. Set it up as a dining area, second living space, home office, playroom, or whatever best fits your needs. A separate utility room adds everyday convenience, while the open back deck offers a great spot to relax, grill, or enjoy some fresh air. Situated on a corner lot, this home offers a comfortable, easy-to-maintain footprint with a layout that makes smart use of every square foot.

107 N Wood St, Brookston

Listing courtesy of Jessica LaMar from Raeco Realty.

$274,900

2 Beds ⋅ 1 Baths ⋅ 845813 MLS ⋅ 600 SqFt. ⋅ Gina Ziobro

Lake Shafer cottage living at 3812 E Forest Lodge Loop in Parses Forest Lodge. This easy 2-bedroom, 1-bath retreat offers about 583 finished square feet of knotty-pine cabin charm plus the feature buyers come to Monticello for: your own wooded walk down to a private dock on a quiet Lake Shafer cove. Start on the oversized covered front porch--stained timber frame, wood decking, and a brick walk through the hostas--then step inside to one open living and kitchen space with pine walls, tile floors, and ceiling fans. The kitchen is ready to use with knotty pine cabinets, a stainless side-by-side refrigerator, gas range, microwave, and a dining area that stays in the same room as the living space. Two bedrooms and a full bath with tub/shower keep the footprint simple and low-maintenance. Out back, a paver patio and fire pit sit under the trees with a shed and stacked firewood for weekend nights. Follow the stairs through the woods to the dock, boat lifts, and slips--bring the pontoon and settle into a shaded cove just off the main lake. Aerials show the Forest Lodge shoreline, nearby marina activity, and open farmland behind the loop. Ideal as a weekend getaway, starter lake cottage, or low-upkeep year-round home close to Twin Lakes amenities. Room sizes and square footage are approximate per floor plan and should be independently verified. Dock, lifts, and watercraft convey only as agreed in writing.

3812 E Forest Lodge, Monticello

Listing courtesy of Gina Ziobro from Listing Leaders Northwest.

$274,900

2 Beds ⋅ 1 Baths ⋅ 202639507 MLS ⋅ 600 SqFt. ⋅ Isac Villanueva

Lake Shafer cottage living at 3812 E Forest Lodge Loop in Parses Forest Lodge. This easy 2-bedroom, 1-bath retreat offers about 583 finished square feet of knotty-pine cabin charm plus the feature buyers come to Monticello for: your own wooded walk down to a private dock on a quiet Lake Shafer cove. Start on the oversized covered front porch—stained timber frame, wood decking, and a brick walk through the hostas—then step inside to one open living and kitchen space with pine walls, tile floors, and ceiling fans. The kitchen is ready to use with knotty pine cabinets, a stainless side-by-side refrigerator, gas range, microwave, and a dining area that stays in the same room as the living space. Two bedrooms and a full bath with tub/shower keep the footprint simple and low-maintenance. Out back, a paver patio and fire pit sit under the trees with a shed and stacked firewood for weekend nights. Follow the stairs through the woods to the dock, boat lifts, and slips—bring the pontoon and settle into a shaded cove just off the main lake. Aerials show the Forest Lodge shoreline, nearby marina activity, and open farmland behind the loop. Ideal as a weekend getaway, starter lake cottage, or low-upkeep year-round home close to Twin Lakes amenities. Room sizes and square footage are approximate per floor plan and should be independently verified. Dock, lifts, and watercraft convey only as agreed in writing.

3812 E Forest Lodge Loop, Monticello

Listing courtesy of Isac Villanueva from Listing Leaders Northwest, Inc.

$199,900

3 Beds ⋅ 2 Baths ⋅ 202639471 MLS ⋅ 1,799 SqFt. ⋅ Cathy Russell

Discover the charm of early 1900s Chalmers in this inviting 3-bedroom, 1.5-bath home! Original details including wood floors, wooden French doors, and built-in shelving add character and warmth, while important updates make this home move-in ready. Recent improvements include a new roof, new siding, new garage doors, and a new garage window. The furnace is approximately 4 years old, and the water heater is just 1 year old. The detached garage provides excellent space for storage, a workshop, or hobbies, with two additional storage sheds offering even more room for tools and equipment. And the location is hard to beat—close to the elementary school and directly across from the community splash park, pavilion, and softball fields. Enjoy the character of an older home with the benefit of key updates and convenient in-town living!

309 E Walnut St, Chalmers

Listing courtesy of Cathy Russell from @properties.

$309,900

4 Beds ⋅ 3 Baths ⋅ 202639280 MLS ⋅ 2,796 SqFt. ⋅ Gregory Vogel II, Gri

Remodeled 4 bedroom 3 full bath Ranch Style Home with vaulted living room ceilings, open living areas, Masonry fireplace is the centerpiece of living area. Updated kitchen with Soho Express Soft Close Cabinets, Stainless Appliances, Pendant & Recessed Lighting. Mostly finished basement with full bathroom and living areas. Backyard has a large patio and fenced yard for privacy and outdoor activity. Close proximity to Lake Freeman and recreation, across the bridge from retail and Central Business District. Mature Trees provide shade and a parklike setting. Interior ceilings have a smooth finish with recessed lighting. Culligan Water Filtration System, updated plumbing/electrical wiring, newer well. Asphalt Driveway and wood deck off front of house. A Turn Key ranch with finished basement and nearly 2,800 sqft. total living areas.

211 N Miller Manor Ct, Monticello

Listing courtesy of Gregory Vogel II, Gri from VOGEL REAL ESTATE. gvogeljr@vogel-real-estate.com

Start Your Search

Updated . Information deemed reliable but not guaranteed.

Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker of MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some listings have been excluded from this website.