Lincoln County Homes under $400,000

Lincoln County Homes under $400,000

Welcome to Lincoln County, Missouri – a hidden gem nestled just north of St. Louis, where charm meets opportunity. Known for its picturesque landscapes and friendly communities, Lincoln County offers a harmonious blend of rural tranquility and suburban convenience. With its rich history, vibrant local culture, and an abundance of outdoor recreational activities, this area is perfect for families, retirees, and anyone seeking a serene lifestyle without sacrificing access to urban amenities.

One of the most compelling aspects of Lincoln County is its affordable housing market. For those searching for homes under $400,000, you’ll find a variety of options that cater to diverse tastes and needs. From cozy single-family homes to spacious properties with ample yard space, Lincoln County provides an array of choices that fit your budget without compromising quality. Whether you prefer the charm of a historic home or the modern comforts of new construction, you’re sure to find something that resonates with your vision of home.

Additionally, residents enjoy the convenience of nearby shopping, dining, and entertainment options, as well as access to top-rated schools and healthcare facilities. The county is also home to beautiful parks, lakes, and trails, making it an ideal location for outdoor enthusiasts and families looking to create lasting memories.

With its affordable housing options and welcoming community spirit, Lincoln County is more than just a place to live; it’s a place to thrive. Come explore the possibilities and discover why so many are choosing to call Lincoln County home!

Newest Lincoln County Homes under $400,000

232 Westwind Trl, Wright City
$235,000
3 Beds ⋅ 2 Baths ⋅ 26062016 MLS ⋅ COMING SOON Status
Nestled on 3 private acres in the desirable Fawn Lake community, 3-bedroom, 2-bath home offers the perfect blend of comfort, privacy, and country living. The open-concept floor plan features vaulted ceilings, spacious living and dining areas, and a kitchen with a large center island and abundant cabinet and counter space. The primary suite is a true retreat with a walk-in closet, dual-sink vanity, soaking tub, and separate shower. Two additional bedrooms, each with generous closet space, provide plenty of room for family or guests. Enjoy peace and quiet while surrounded by nature. This home sits on a concrete foundation with basement and tuck under two car garage. Enjoy well and septic systems, this move-in ready property offers seclusion while remaining conveniently located near Wright City amenities and highway access. Experience the tranquility of country living and enjoy living in a lake community.

232 Westwind Trl, Wright City
64 S Ridge Rd, Troy
$314,900
3 Beds ⋅ 3 Baths ⋅ 26063500 MLS ⋅ ACTIVE Status
Country Living in a Great Location Can Be Yours! - This (3) Bedroom, (2.5) Bath Ranch Home with a (2) Car Garage in the Troy School District has so much to offer! Many custom features that include arched entry-ways from the vaulted and beamed ceiling in the front room with bay window and display niche. There is a large eat-in kitchen with KitchenAid appliances that include a smooth top range, microwave, wall oven, dishwasher, and (3) door refrigerator. There is a large pantry and slider that leads to the large deck that overlooks the backyard with a view of the neighbor's lake! The main level also includes (3) bedrooms and (2) baths. One bedroom is currently converted to a main floor laundry that includes a washer and dryer. (Basement hookups are still available) The lower level is partially finished with a half bath and sleeping area. The large living area has a wood burning stove with custom brick hearth and firewood holder. There are two very nice, finished storage rooms that include water heater, softener and furnace. The lower-level slider walks out to the covered patio that extends under the deck of the level yard and fenced dog run. This home is ready for its new owner with many items included for an easy move!

64 S Ridge Rd, Troy
120 Pleasant View Dr, Foley
$200,000
2 Beds ⋅ 2 Baths ⋅ 26063782 MLS ⋅ ACTIVE Status
Three private, level acres at the very end of a quiet cul-de-sac in Foley, with woods along the back line. If you have been looking for room to spread out without stretching your budget, start here. The land is the star. Mowed paths wind through an open meadow that fills with honeysuckle and black-eyed Susans in summer. An oak barn could be a home for horses, a hobby farm, equipment or a workshop, and a metal shed adds more storage. A gravel drive runs up to the home and on to the barn. There is room for a garden, chickens, a future shop or just a lot of quiet, and the front deck is the place to take it all in. Inside, a split floor plan puts the two bedrooms at opposite ends of the home. The living room has a ceiling fan and opens to an eat-in kitchen with plenty of cabinets and space for a table. The primary bedroom has a double-door closet and sits next to the full bath. At the other end, the second bedroom has its own half bath, a nice setup for guests or a home office. The practical pieces are done. The home has central air, an electric forced-air furnace, a 200-amp electric panel, gutters added in 2024, public water through PWSD #1 of Lincoln County, a private septic system and Gateway Fiber internet. The home was financed with FHA financing last year. The range and dishwasher stay. Close prior to December 18, 2026, and the refrigerator, washer and dryer stay too. There is no HOA or known road maintenance agreement. When the gravel needs replenished the subdivision contributes to the expense. The last time it was done it was $200 for the owners of this property. Winfield R-IV School District, and outside the flood plain (Zone X). Schedule your private showing today.

120 Pleasant View Dr, Foley
108 Wingate Dr, Troy
$315,000
3 Beds ⋅ 3 Baths ⋅ 26063784 MLS ⋅ ACTIVE Status
Welcome home to over 2,700 sq. ft. of living space in this amazing great-room ranch, where the layout is open, the fireplace anchors the main living space, and the backyard is every bit as good as the house. Vaulted ceilings, a wood-burning fireplace and an open kitchen/dining setup make the main level feel connected and easy. The primary suite gives you a luxe private bath(separate tub and shower) and walk-in closet, with two additional bedrooms, another full bath and main-floor laundry completing the main level. Downstairs, the finished walkout adds a huge amount of usable living space for movie nights, work-from-home, game days, workouts, or guests. And then there’s the backyard — big, flat and fully fenced, with a large deck, firepit area, shed and enough space to actually use. Kids can run. Dogs can run. Friends can stay late. There’s room for a garden, a playset, a football game or nothing at all. Add the covered front porch, wide drive way, 3 neighborhood playgrounds and 2 ponds, and this one feels like home the minute you walk through it.

108 Wingate Dr, Troy
175 Tall Tree Ln, Foley
$268,000
3 Beds ⋅ 3 Baths ⋅ 26063705 MLS ⋅ ACTIVE Status
IMPORTANT THIS HOME HAS SOME MINOR THINGS TO BE FIXED. THE HOUSE WILL NOT BE AVAILABLE FOR SHOWINGS UNTIL TUESDAY OCTOBER 13.Take a look at this great 3 bdrm 3 bath Hart doublewide that has been extensively remodeled. New roof in June 2026. Front door replaced in 2022. Kitchen countertops and backsplash and flooring replaced in 2022. Both bathrooms, vanities and flooring replaced in 2023. Kitchen pantry added in 2024. Andersen windows installed in front of home in 2023. Basement finished in 2025. Basement french doors replaced 2024. Basement stairs and wall replaced going downstairs in 2022. Open front yard for the kids to enjoy and woods to the rear of property for privacy. Fireplace is decorative and no longer functioning.

175 Tall Tree Ln, Foley
901 Main St, Troy
$270,000
3 Beds ⋅ 1 Baths ⋅ 26063687 MLS ⋅ COMING SOON Status
Welcome to 901 Main St in Troy! This 3 bedroom, 1 bathroom home offers comfortable living with plenty of space to make your own. Step inside to find beautiful hardwood floors in the living room and a functional layout throughout. The former garage has been converted into a bonus/game room, providing additional space perfect for entertaining, a home office, playroom, or second living area. The partially finished basement offers even more usable space along with plenty of potential. Outside, enjoy a roughly 12' x 14' deck located just off the side of the home- great for relaxing, grilling, or entertaining. Conveniently located in Troy with easy access to local shopping, dining, schools, and amenities. Schedule your showing and come see what this home has to offer.

901 Main St, Troy
153 Canyon Creek Cir, Moscow Mills
$379,900
3 Beds ⋅ 3 Baths ⋅ 26063563 MLS ⋅ ACTIVE Status
New Construction villa with over 2650sf of living space in Moscow Mills. Stunning brick & stone elevation exterior w/ delightful architecture features inside the home. Main floor has 9' tall ceilings w/impressive great room, vaulted ceiling, beautiful fireplace. Laminate flooring throughout great room, breakfast room & kitchen. Enjoy cooking in a lovely kitchen featuring custom cabinetry, huge island, solid surface counters, SS appliances opening right into the bright breakfast room. Spacious master w/vaulted ceiling, large master bath w/separate tub, shower, dual sinks & spacious walk-in closet. Also on main level a nice sized additional bedroom, full bath, laundry area and covered deck. Lower level walkout is finished with large recreation room, additional bedroom and full bath. Great location, minutes from Hwy 61 & Hwy 47!

153 Canyon Creek Cir, Moscow Mills
202 2nd St, Winfield
$240,000
3 Beds ⋅ 2 Baths ⋅ 26063550 MLS ⋅ ACTIVE Status
Welcome to this beautifully reimagined 3-bedroom, 1.5-bath home in Winfield, Missouri! Taken down to the exterior walls and thoughtfully rebuilt with quality and style in mind, this home offers the feel of a brand-new property without the wait. The stunning kitchen features stainless steel appliances that stay, quartz countertops and backsplash, soft-close wood cabinetry with crown molding, epoxy flooring, and a convenient pantry. Just off the kitchen, the bright and inviting living room showcases beautiful high-end luxury vinyl plank flooring. Two bedrooms are located off the living room, while the third bedroom is conveniently situated just off the kitchen, with all three bedrooms featuring ceiling fans. The utility room includes a brand-new gas furnace, 40-gallon gas water heater, and electric stackable washer and dryer that stay with the home. A completely new half bath was also added, providing an additional touch of convenience. The full bathroom has been beautifully finished with porcelain tile flooring, a floor-to-ceiling cultured marble shower surround, and all-new fixtures. With extensive updates throughout, no one has lived in the home since the work was completed—so you’ll be the first to enjoy it! Additional improvements include a new roof, gutters, fresh interior and exterior paint, and a newly installed privacy fence with a gate providing access to the driveway from the alley. A second driveway has also been added from 2nd Street, providing additional parking and accessibility. And the possibilities continue! Included with the property is an additional 60’ x 100’ lot, complete with city sewer, water, and electric—offering plenty of room for future plans, additional parking, recreation, or whatever you envision. Conveniently located just off Highway 79 in town and approximately 20 minutes from both O’Fallon and Troy, this exceptionally clean, move-in-ready home offers an incredible combination of modern updates, extra space, and future potential. Come see all that this beautifully transformed property has to offer!

202 2nd St, Winfield
36 New Hope Rd, Elsberry
$225,000
4 Beds ⋅ 2 Baths ⋅ 26059985 MLS ⋅ ACTIVE Status
Discover the charm of peaceful living at 36 New Hope Rd in Elsberry, MO! Tucked away from the hustle and bustle, this spacious 4-bedroom, 2-bath slab home offers a comfortable layout with plenty of room to spread out. Step inside to a generously sized living room featuring beautiful exposed wood beams that add warmth and character to the space. The functional, single-level floor plan offers the convenience of no basement stairs. Outside, you'll find a HUGE backyard with endless possibilities for entertaining, gardening, outdoor activities, or simply relaxing and enjoying the peaceful surroundings. If you're looking for a home that's a little off the beaten path, with plenty of indoor and outdoor space to make your own, this one is worth a look! Come see the possibilities at 36 New Hope Rd!

36 New Hope Rd, Elsberry
181 Granite Pointe Ln, Winfield
$225,000
4 Beds ⋅ 3 Baths ⋅ 26063389 MLS ⋅ ACTIVE Status
Welcome to 181 Granite Pointe Lane in the desirable Whitehawk subdivision! Tucked away on a quiet cul-de-sac and sitting on an impressive .42-acre lot, this 4-bedroom, 3-bath home offers an incredible amount of space and value at $225,000. The main level features a comfortable layout with three bedrooms, a full bathroom, and a convenient main-level laundry room. The main-level bedrooms have brand-new carpet, giving the home a fresh, move-in-ready feel. Head downstairs to the walk-out basement, where the possibilities really open up. The partially finished lower level includes a fourth bedroom, full bathroom, and an additional sleeping room that is nearly finished. Whether you need space for guests, a home office, recreation, or extended living, there is plenty of flexibility here. Outside, the large .42-acre lot provides plenty of room to enjoy, while the cul-de-sac location adds privacy and a peaceful neighborhood setting. Four bedrooms, three bathrooms, a walk-out basement, main-level laundry, brand-new bedroom carpet, and a huge lot—all for $225,000. This is an opportunity you won't want to miss!

181 Granite Pointe Ln, Winfield
22 Gnade Rd, Elsberry
$324,750
2 Beds ⋅ 1 Baths ⋅ 26063470 MLS ⋅ ACTIVE Status
Presenting 6 +/- surveyed acres in Lincoln County, Missouri, offering a compelling opportunity for private country living with modern conveniences. This property features a meticulously updated 1958 residence, thoughtfully situated towards the back of the acreage to maximize seclusion. The location strikes an ideal balance, providing rural tranquility while remaining accessible, just 10 minutes from Elsberry and a comfortable 45-minute drive to Wentzville and major highway connections via Hwy 79 and 70. The 1300 Sq. Ft. home has undergone significant recent improvements, making it move-in ready. It offers 2 bedrooms and 1 bathroom, complemented by a full basement and a single-car garage. Recent upgrades include a new roof, a complete electrical panel and service update, and an updated bathroom. The kitchen is equipped with new appliances, including a refrigerator, stove/oven, dishwasher, and microwave. Additionally, new ceiling fans have been installed in each room, enhancing comfort. The property itself comprises 5 +/- acres of rolling pastureland, 90% fenced, set upon a desirable ridge-top topography that affords expansive 360-degree views. This residential parcel is accessed via a gravel road and is fully equipped with essential utilities, including electric service, a private well, and septic system. The benefit of zero restrictions allows for flexibility in land use and enjoyment, catering to those seeking genuine rural autonomy. An upstairs laundry room/foyer/mud room adds practical functionality to the home.

22 Gnade Rd, Elsberry
35 Chinkapin Ct, Troy
$365,000
4 Beds ⋅ 4 Baths ⋅ 26063221 MLS ⋅ ACTIVE Status
Spacious 3+ bedroom ranch with possible 4 bedrooms & 4 baths (3 full baths & 1 half bath); open floor plan, vaulted ceilings, very large walk-in pantry, more than adequate private main floor laundry room, lots of kitchen cabinets; 2 dishwashers in kitchen, & breakfast/dining room area. Split bedroom floor plan with good sized primary bedroom & tray ceiling, huge walk-in closet, luxury bath, dual basins, jetted tub, & separate shower. All good sized bedrooms, large double closets, many windows throughout, composite deck off breakfast/dining area & partially finished LL w/possible 4th bedroom/office/den & full bath, & lots of storage area. Aggregate patio across back of house, above ground pool, .64/acre lot backing to trees & woods, 3 car garage & aggregate 3 car driveway! A lot of house for the $$$$$$. Annual HOA fee is $150 and water is $55/month. Seller is offering a one year Home Protection Plan to buyers at closing. This house is going to sell fast so please schedule your appointments NOW and be in your new home for the Holidays!!!!

35 Chinkapin Ct, Troy
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