Mt Vernon Homes under $400,000

Welcome to Mt. Vernon, Illinois—a charming city nestled in the heart of Jefferson County. Known for its warm community spirit and rich history, Mt. Vernon offers a delightful blend of small-town charm and modern conveniences. With its picturesque landscapes and vibrant downtown, this city is not just a place to live; it's a place to thrive.

Mt. Vernon boasts a variety of recreational opportunities, from the scenic trails of the nearby Rend Lake to the bustling local parks, perfect for family outings and outdoor activities. The city is also home to a thriving arts scene, with local galleries and theaters showcasing the talent and creativity of its residents. With a strong commitment to education and community engagement, Mt. Vernon is an ideal place for families and individuals alike.

For those seeking affordable housing options, Mt. Vernon has an impressive selection of homes under $400,000. Whether you’re a first-time homebuyer, looking to downsize, or searching for an investment property, the real estate market here offers something for everyone. You’ll find charming single-family homes with spacious yards, modern townhouses, and cozy bungalows—all at prices that won't break the bank.

With its welcoming atmosphere, excellent schools, and a strong sense of community, Mt. Vernon is the perfect place to call home. Explore the possibilities today and discover your dream home in this delightful city!

Newest Mt Vernon Homes under $400,000

$195,000

3 Beds ⋅ 2 Baths ⋅ 12777922 MLS ⋅ NEW Status

There is nothing this home needs for you to move in! This is such a comfortable home with lots of updates. The seller says the kitchen was fully updated in 2019 including some new appliances which are stainless steel, the countertops are timeless (beautiful) quartz. The washer and dryer will stay and were installed in 2023. Newer flooring in the living room, dining room, kitchen and hall. Lighting was updated with the remodel. Some new plumbing in 2026 and painting was freshened too! Replacement windows make this home comfy/cozy and inexpensive to heat and cool. New back door in 2026 which leads out to a covered patio (or single car carport) and then to a spacious open-air deck overlooking some beautiful grasses and sheltered by the detached garage. The roof was installed in 2019 and HVAC in 2024. The electric service to the breaker box was looked at by a well-respected licensed electrician in 2026. This electrical box is commercial grade, and the electrician assures it's in good shape! ALL the big stuff is covered! And this home is spotless! Audio and visual recording in progress on property.

2909 Apple Avenue, Mt Vernon

$122,900

2 Beds ⋅ 1 Baths ⋅ 12755887 MLS ⋅ NEW Status

Charming Stone Ranch in Summerville! Welcome home to this charming 2-bedroom, 1-bath stone ranch nestled in the desirable Summerville neighborhood of Mt. Vernon! Offering classic mid-century ranch character with numerous modern updates, this home is move-in ready and full of appeal. Step inside to find fresh interior paint, durable laminate flooring, and updated wiring throughout. The home features vinyl windows and an updated HVAC system for added comfort and efficiency. The kitchen has been refreshed with new cabinetry and counter top, providing a clean and functional space for everyday living. The updated bathroom adds another modern touch to this classic home. The appliances are included, making this home an easy transition for its next owner. With its one-level layout, attractive stone exterior, and thoughtful updates, this property is a great opportunity for a first-time buyer, downsizer, or investor. Classic charm meets modern updates in this Summerville ranch-come take a look! 2 Bedrooms | 1 Bathroom | Stone-Front Ranch | Updated HVAC | Updated Wiring | Vinyl Windows | Laminate Flooring | New Kitchen Cabinets | Updated Bath | Appliances Included & NEW ROOF 2026

925 Airport Road, Mt Vernon

$395,000

4 Beds ⋅ 4 Baths ⋅ 12777886 MLS ⋅ NEW Status

Located in the desirable Rome School District and just minutes from town, this 4-bedroom, 4-bath home sits on 2.95 acres featuring a picturesque pond, mature pine trees, large yard, firepit area, and multiple outdoor spaces. The recently updated pole barn adds significant versatility with a bathroom, large work area, heated & cooled loft, 3-unit mini-split system, and propane furnace for additional heat. The main level offers a bright living room, kitchen with oak cabinetry, solid surface countertops and stainless appliances, dining area, and family room with a wood-burning stove and freshly cleaned carpet. An oversized mudroom opens to the side deck overlooking the pond, while the half bath also serves as a convenient laundry area. Upstairs, the primary suite features a private full bath and sliding doors to the upper rear deck. Three additional bedrooms share a full bath, with the largest bedroom offering access to the front balcony. Sliding doors provide access to both the front and rear decks. The walk-out lower level provides a large bonus room, full bath with jetted tub, maintenance/storage room, and unique hidden-door access. French doors open to the concrete patio. A two car garage provides additional usable space for storage, hobbies, or projects. Two separate HVAC systems provide zoned comfort, with one serving the basement and main level and the other serving the upper level. High-speed internet is available, and a new aerator system was installed in 2024. With acreage, a pond, mature trees, extensive outdoor space, and a versatile pole barn, this property offers the space and flexibility of country living while remaining conveniently close to town.

16578 N Oak Hill Lane, Mt Vernon

$69,900

4 Beds ⋅ 2 Baths ⋅ 12776440 MLS ⋅ ACTIVE Status

4 bedroom, 2 bath home with vinyl siding and a 2 car attached garage. Please be advised that any offers on this property require a minimum Earnest Money Deposit of 1% of the Purchase Price or $1,000, whichever is greater. All initial offers must be submitted via PropOffers. com by the BUYER AGENT ONLY.

16 Turner Drive, Mt Vernon

$115,000

3 Beds ⋅ 2 Baths ⋅ 12775206 MLS ⋅ ACTIVE Status

Cape Cod-style 3-bedroom, 2-bath home offering classic character and comfortable living space. The main level features beautiful hardwood floors refinished in 2019 and a cozy wood-burning fireplace. The third bedroom was added upstairs in 2024, providing additional living space and versatility. Outside, enjoy a fenced backyard and detached garage, adding functionality and convenience to this inviting home.

702 N 12Th Street, Mt Vernon

$249,900

3 Beds ⋅ 2 Baths ⋅ 12775430 MLS ⋅ ACTIVE Status

Enjoy peaceful country living on 6.70 scenic acres surrounded by mature trees, perennial gardens, and beautiful flowering trees. If you love nature, privacy, and picturesque views, this property is a must-see! The seller has beautifully refreshed the interior with new paint throughout, new luxury vinyl plank flooring, updated fixtures, updated bathrooms, and new epoxy floor paint coating in Sun Room. This ranch home features a spacious living room with a cozy fireplace, a kitchen complete with appliances, an adjoining dining area, and a convenient pantry. A comfortable family room with a second fireplace provides the perfect place to relax or entertain. The home offers three bedrooms, including a primary suite with a private bathroom, plus a spacious second full bathroom. The laundry room provides ample storage, and the enclosed all-season sunroom overlooks the beautifully landscaped front yard, offering a peaceful setting to enjoy the surrounding countryside year-round. Outside, you'll find a 24' x 32' finished detached garage with an overhead door and side entrance, a 45' x 64' pole barn ideal for equipment, livestock, hobbies, or additional storage, along with several utility sheds to meet a variety of needs. Major updates include new siding and a new roof in 2020. Located in the desirable Field School District, this exceptional country property offers the perfect blend of comfortable living, functional outbuildings, and breathtaking rural views. The home shows exceptionally well and offers a fresh, inviting feel throughout. Come experience all this beautiful property has to offer!

19503 N Moonbeam Lane, Mt Vernon

$153,000

3 Beds ⋅ 2 Baths ⋅ 12772469 MLS ⋅ ACTIVE Status

Located in the heart of Western Gardens, this property is on a street with low traffic count, which contributes to a private setting. The Ranch-style home shows 1,464 square feet with 3 bedrooms and 2 baths on record. But when you add the incredible 2-car, insulated, 25'x24' garage it feels much bigger! The Living Room and Family Room are separated by the combined Kitchen and Dining Room in between. All appliances remain and are in good condition. This Family Room could easily have a door installed and function as a nice master suite with bath, making this a four bedroom home. There is forced air gas heat and central air. Enjoy the patio in the fenced backyard. Extra parking sits at the end of the house with gravel surface. Affordable, adaptable and perfectly move-in ready.

620 Pear Street, Mt Vernon

$224,900

4 Beds ⋅ 2 Baths ⋅ 12771321 MLS ⋅ ACTIVE Status

Move-In Ready North Side Ranch! This well-maintained ranch offers a spacious layout and a fenced backyard perfect for relaxing and entertaining. There are 4 bedrooms, 2 bathrooms, a large family room with a beautiful brick fireplace, and a kitchen with appliances adjoining the dining area. An extra-large utility room provides plenty of storage. Enjoy the outdoor amenities, including an above-ground pool, deck, privacy of the enclosed courtyard with its concrete patio, perfect for relaxing or entertaining, and two storage buildings, one of which is finished and ideal for a hobby shop or workshop. Conveniently located on the North Side, close to area amenities. A wonderful place to call home!

3 Linnview Drive, Mt Vernon

$249,000

3 Beds ⋅ 2 Baths ⋅ 12770495 MLS ⋅ ACTIVE Status

The Queen's Lake Estates subdivision provides access to everything from this listing. A lovely 3 bedroom, 2 bath, Ranch-style home has a modest 1,535 square feet but some of the features make it feel spacious. Cathedral ceilings in the Living Room and Master Bedroom allow your mind to soar to new decorating heights. Those two rooms as well as the hallway and two additional bedrooms show new LVP flooring installed this in 2025. A gas fireplace is flanked by windows that allow you to enjoy the view of the fenced yard, trellis and deck. Around the corner is the Dining Room and Kitchen with beautiful tile floor and accent inlay. The dining area is framed on three sides by windows that provide a wonderful view. Brand new appliances: refrigerator, range, dishwasher, washer, and dryer were installed in 2025 and all remain. Solid surface countertops blend effortlessly with the plentiful cabinets. The laundry is recessed and enjoys convenient access to the garage and outside. This fenced backyard is partially shaded with a patio and a deck to create a magical space. New flooring, appliances, backyard fence and front porch rail are all improvements made in 2025. This home fits a unique set of needs, come see if those are yours.

3405 Piccadilly Avenue, Mt Vernon

$195,000

3 Beds ⋅ 2 Baths ⋅ 12770333 MLS ⋅ ACTIVE Status

Located in a sought-after neighborhood within the Summersville School District, this 3-bedroom, 2-bath brick home has plenty to offer! Remodeled in 2023, the home features an updated kitchen with modern appliances, attractive countertops, and generous cabinet space. The functional floor plan offers comfortable living areas and spacious bedrooms with plenty of natural light. An attached garage adds everyday convenience, while the fenced backyard provides room for outdoor entertaining, pets, or play. A storage shed is also included, offering additional space for lawn equipment and outdoor essentials. Conveniently located near schools, shopping, and local amenities, this home is ready for its next chapter. Schedule your showing today!

504 Cessna Lane, Mt Vernon

$124,900

5 Beds ⋅ 3 Baths ⋅ 12769555 MLS ⋅ ACTIVE Status

Experience the charm and potential of this expansive 5-bedroom, 3-bathroom farmhouse nestled on a tranquil 1-acre lot. This fixer-upper is bursting with character and endless possibilities, inviting you to create your dream home amidst a picturesque rural setting. The classic farmhouse-style exterior beckons renovation enthusiasts to bring new life into its storied walls. Inside, you'll find generous spaces that await transformation-imagine cozy family gatherings in the large living area or sumptuous meals prepared in an open kitchen layout designed for modern living. Wake up each morning to the gentle sounds of nature and enjoy sipping coffee as you watch the sunrise from your future porch. With five spacious bedrooms, there's ample room for everyone-perfect for a growing family or those seeking more space without sacrificing privacy. Outside, the sprawling acre invites gardening dreams and outdoor play; it's truly an oasis away from city life yet just minutes from local amenities. Redefine country elegance by transforming this farmhouse into your personal paradise-a canvas ripe with opportunity awaits your vision! Embrace rustic tranquility blended with untold potential!

2100 Brownsville Road, Mt Vernon

$277,900

3 Beds ⋅ 3 Baths ⋅ 12768488 MLS ⋅ ACTIVE Status

Fresh new look and move-in ready! This beautifully updated all-brick home has just received a fresh exterior transformation, giving it a modern look that pairs perfectly with the black shutters and white trim. Situated on 1 acre, this spacious home offers approximately 2,176 sq. ft. with 3 bedrooms and 3 full bathrooms. Inside, you'll find an updated, comfortable interior with generous living spaces, plenty of storage, and a layout that offers room to spread out. Outside, the property continues to deliver with a 2-car garage, two outbuildings for additional storage, a large yard, and plenty of space to enjoy. With its combination of space, updates, storage, acreage, and a newly refreshed exterior, this home is ready for its next owner. Conveniently located at 14652 N Hwy 37 in Mt. Vernon, this is one you'll want to see in person. Schedule your private showing today! Agent owned.

14652 N Il Hwy 37 Highway, Mt Vernon

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