Urbana Homes under $400,000

Welcome to Urbana, Illinois, a charming city nestled in the heart of Champaign County. Known for its vibrant community spirit and rich cultural scene, Urbana offers a delightful blend of urban amenities and small-town charm. With its picturesque parks, thriving arts district, and proximity to the University of Illinois, Urbana is a city that truly has something for everyone.

For those considering a move to this enchanting city, you'll be pleased to discover a range of beautiful homes available for under $400,000. Whether you are a first-time homebuyer, a growing family, or looking to downsize, Urbana's real estate market is brimming with opportunities that cater to diverse lifestyles. From cozy bungalows to spacious family homes, the options are plentiful and varied, ensuring you can find the perfect fit for your needs and budget.

Urbana is not just about affordable housing; it’s also about community. The city hosts numerous events throughout the year, including farmers' markets, art fairs, and music festivals, making it easy to connect with neighbors and enjoy the local culture. With top-rated schools, a robust public transportation system, and an array of recreational activities, Urbana is an ideal place to call home.

Explore the charm of Urbana today and discover how you can make this vibrant city your new home without breaking the bank. The perfect property awaits you in this welcoming community, where affordability meets quality living.

Newest Urbana Homes under $400,000

$84,000

1 Beds ⋅ 1 Baths ⋅ 12781055 MLS ⋅ NEW Status

Simple Living has Arrived! Looking for Less and an Open Space with a Southern Exposure - you found it here in Regency East Unit 201. Large Living Room draws in the sunlight during the day! Step out onto your Private balcony overlooking a mature neighborhood. The one BDRM offers great space to arrange furniture and the duel closets make it easy to separate your seasonal clothing. Additional closet storage located in the hallway off the Bath which also provides storage as well. The Step Saver Kitchen features a wood laminate flooring providing all your major appliances you'll need and is adjacent to the Dining Room with updated lighting. At this price, this unit will not last long!

1004 E Harding Drive Unit #201, Urbana

$269,900

3 Beds ⋅ 2 Baths ⋅ 12757564 MLS ⋅ NEW Status

Welcome home to this inviting 3-bedroom, 2-bath ranch featuring a comfortable, functional floor plan and neutral finishes throughout! Step inside to a spacious living room with vaulted ceilings and luxury vinyl flooring that continues into the private primary suite. The primary bedroom offers its own full bathroom and walk-in closet, creating a comfortable retreat at the end of the day. The additional two bedrooms are conveniently located near the home's second full bathroom. Storage is plentiful, with a pantry closet and broom closet in the kitchen, a coat closet near the front entry, and a linen closet in the hallway. A dedicated laundry and mudroom provides a convenient transition from the attached 2-car garage, helping keep everyday life organized. Outside, enjoy relaxing or entertaining on the backyard deck, with a garden shed providing additional storage for lawn and gardening equipment. Adding even more value, the home's siding is only approximately five years old. With its single-level layout, vaulted living space, great storage, primary suite, and practical features throughout, this well-maintained ranch is ready to welcome its next owner!

2206 E Pennsylvania Avenue, Urbana

$190,000

3 Beds ⋅ 1 Baths ⋅ 12774552 MLS ⋅ NEW Status

Move-in ready and full of updates, this 3-bedroom ranch offers comfortable one-level living plus a full basement and detached 2-car garage. The main level was recently professionally painted and has a bright, clean feel, with wood laminate flooring flowing through the living areas and bedrooms. The layout includes a spacious living room, dedicated dining area, efficient kitchen, three bedrooms, a full bath, and convenient main-floor laundry. Downstairs, the approximately 1,006-square-foot unfinished basement provides excellent storage and plenty of opportunity for future finished living space, with a bathroom already roughed in. Outside, enjoy a fenced backyard, concrete patio, and detached 2-car garage. The current owners have made numerous improvements, including a new roof in 2019, along with replacement of the furnace and central A/C (both approximately 6 years old), water heater (approximately 2 years old), sump pump, refrigerator, range, washer, and dryer. An active radon mitigation system is already in place. Ring doorbell and security system to transfer with the property. This home has been pre-inspected, with the inspection report available for buyer review. Want to take a closer look before your showing? Explore the complete media package featuring professional photography, aerial views, video, an interactive 3D tour, and detailed floor plan.

1419 S Smith Road, Urbana

3013 E Stillwater Landing Unit #3013, Urbana

$285,000

2 Beds ⋅ 2 Baths ⋅ 12775059 MLS ⋅ NEW Status ⋅ Water'S Edge BLDG.

Welcome to this absolutely beautiful and inviting 2-bedroom, 2-bath home located near the gorgeous Stone Creek Golf Course! From the moment you walk through the front door, you'll fall in love with the warmth, character, and beautiful updates throughout. Every detail has been thoughtfully chosen, creating a home that is as welcoming as it is beautiful! The spacious, open living area is filled with natural light and features a stunning fireplace adorned with gorgeous stonework and a beautiful new mantel. It's truly a showstopper and the perfect centerpiece for this warm and inviting space! The gorgeous waterproof wood flooring flows beautifully throughout the kitchen and family room, adding even more character and elegance. Just wait until you see the kitchen! Tastefully updated with beautiful granite countertops, a new sink and faucet, and a gorgeous ceramic tile backsplash, all professionally installed with beautiful attention to detail. The finishes complement one another perfectly, creating a kitchen you'll absolutely love! The spacious primary suite offers a wonderful place to unwind, complete with a private bathroom, generous closet space, and new carpeting. The second bedroom provides the perfect space for guests, a home office, or whatever fits your needs. And there's so much more! This home has an impressive list of updates, including a newer roof (2020), microwave (2022), stove (2025), refrigerator (2026), washer (2026), and beautiful new storm doors. Even the garage has received special attention with stunning epoxy floors, giving this space a beautiful, clean, finished look! Step outside to your own private patio, a wonderful spot to enjoy your morning coffee, entertain friends, or simply relax and take in the peaceful surroundings. With the beautiful Stone Creek Golf Course nearby, you'll love the location and all that this neighborhood has to offer. Beautifully maintained, tastefully updated, and absolutely adorable, this home offers the perfect combination of comfort, character, and low-maintenance living. From the gorgeous stone fireplace and beautifully updated kitchen to the inviting living spaces and thoughtful improvements, there is so much to appreciate. This isn't just another home; it's a place that feels welcoming the moment you walk inside. Come take a look and see for yourself just how special this home truly is!

3013 E Stillwater Landing Unit #3013, Urbana

$179,900

2 Beds ⋅ 1 Baths ⋅ 12775533 MLS ⋅ NEW Status

Location, location!! Just a few blocks from the UI campus. Open living area surrounds a pool covered by a large square, pyramid glass roof. The glass roof, along with the sliding glass doors, allows the sun to flow thru the entire house. Italian tile flooring thruout for easy maintenance. The courtyard is located between the house and garage, great for entertaining and hobbies. Hot house on the east side of home. Southern exposure. 9/26 New roof. Great fixer upper, with a great location. Sold "as is".

408 W Florida Avenue, Urbana

$340,000

4 Beds ⋅ 2 Baths ⋅ 12750809 MLS ⋅ NEW Status

If You've Been Wanting To Own A Nice Investment Home In The "State Streets" Location - Here It Is! This Home Has Nice Updates Including Vinyl Siding, Replacement Windows, Kitchen & Baths, And Beautiful Hardwood Floors On The First & Second Floors. There's A 2 Car Garage, Which Is Harder To Find In This Location. Convenient To Both Campus & Local Amenities. Seller Is Offering A One Year Home Warranty Too!

711 W California Avenue, Urbana

$125,000

2 Beds ⋅ 1 Baths ⋅ 12775464 MLS ⋅ NEW Status

Welcome home to this charming 2-bedroom, 1-bathroom home tucked away in a quiet corner of an Urbana neighborhood! This home offers spacious bedrooms and a generously sized bathroom, with beautiful hardwood flooring throughout the main living areas. The kitchen features plenty of cabinet space for storage. Outside, you'll find a huge backyard with tons of room to relax, entertain, or enjoy the outdoors, along with a detached workshop for additional storage. With comfortable living spaces, a peaceful setting, and plenty of room inside and out, this home is ready for its new owners. Seller offering home warranty but selling AS-IS.

1210 W Church Street, Urbana

$279,900

4 Beds ⋅ 2 Baths ⋅ 12777466 MLS ⋅ NEW Status

Welcome home to this well-maintained 4-bedroom, 2-bath ranch in the desirable South Ridge Subdivision! PAID-OFF SOLAR PANELS AT CLOSING! The seller will pay off the existing solar panel balance at closing, giving the buyer the benefit of the solar system without taking over a solar loan or monthly panel payment. Inside, the home offers a spacious one-story layout with vaulted ceilings and a mix of hardwood and LVP flooring throughout the main living areas. The kitchen features granite countertops and opens to the living room, where a wood-burning fireplace with a gas starter creates a comfortable central gathering space. All four bedrooms are generously sized and offer flexibility for guests, a home office, or additional living space. Major updates include an HVAC system installed in 2017 and a roof replacement in 2020. A professionally constructed retaining wall, built as part of the home's original construction, adds function and long-term stability. Conveniently located near parks, schools, shopping, dining, and everyday amenities.Schedule your showing today!

3110 Ridge Park Road, Urbana

$335,000

2 Beds ⋅ 3 Baths ⋅ 12775846 MLS ⋅ NEW Status

This exceptional Amish-built condo has it all, including loads of extras you won't find elsewhere at this price point. The ground floor features a generous kitchen with bar top, a dining area, laundry room, and a family room complete with a beautiful vaulted ceiling. The family room allows access to a welcoming sunroom and custom brick-paver patio complete with a shade equipped pergola. Two beautifully appointed bedrooms, two full bathrooms, hardwood floors, and a custom built-in bookshelf round out the exceptional first floor. The primary suite is especially impressive and features a second vaulted ceiling, double vanities, enclosed toilet, and an ample walk-in closet. A deep garage with room for extra storage is also included with this property. The recently finished basement offers exceptional flexibility with a workout/storage/workshop area and built in shelving. A large third bedroom features an egress window for emergency access outside as well as maximum light and fresh air. The basement extras continue with a formal office/den, expansive full bathroom, recreation room, wet bar, and utility/storage room. Another custom built-in bookshelf anchors the rec room and conceals the home's radon mitigation vent. The perks of this property don't stop with the home itself. The HOA takes care of lawn mowing, weed spraying, trash, lawn fertilization, pond maintenance, snow removal, and ice salting as part of the monthly dues. It is located within walking distance of Riggs Brewery and the Atkins Golf Course. Residents also enjoy access to fishing at the neighborhood pond and expansive walking paths. The home is situated only a few minutes drive from Meijer, Walmart, Aldi, and healthcare clinics. It is only 5 miles away from the U of I campus and area hospitals. This home has been meticulously cared for and maintained and is pet free and smoke free. A new roof was installed in 2021. Solar power panels were added in 2023 that vastly reduce the power bill, and a new ejector pump was installed in the basement in 2026. A mix of young trees, mature trees, and perennial flowers complete the landscaping, making this a truly turn-key property.

2108 S Stonebrooke Court, Urbana

$385,000

3 Beds ⋅ 3 Baths ⋅ 12763464 MLS ⋅ NEW Status ⋅ Eastgate BLDG.

Beautiful 1.5-story zero-lot home offering a spacious and thoughtfully designed floor plan. The main level features a private primary suite with double granite vanities and dual closets, along with a vaulted family room showcasing a fireplace. The inviting layout also includes a dining room, sunroom, half bath, laundry room, and a gorgeous granite kitchen with stainless steel appliances. Upstairs, two additional bedrooms share a full bath. Recent improvements include a freshly painted interior and a brand-new deck, providing a move-in-ready feel both inside and out. The fully floored and insulated attic offers excellent additional storage space. A 2-car garage and convenient location near shopping, dining, and parks complete this wonderful home!

1901 Lydia Court Unit #A, Urbana

$150,000

3 Beds ⋅ 1 Baths ⋅ 12768716 MLS ⋅ NEW Status

Spacious Ranch style home with 3 bedrooms and two separate living spaces. Large Kitchen with island, beautiful parquet wood flooring in the main living room. Fully fenced back yard, 1 car attached garage. Currently tenant occupied, $1,325/month, lease ends 12/31/2026.

1406 Eastern Drive, Urbana

$184,900

3 Beds ⋅ 1 Baths ⋅ 12765891 MLS ⋅ ACTIVE Status

Full of character and situated in a convenient Urbana location, this home is just two doors down from Victory Park and approximately a 10-minute drive from the heart of the University of Illinois and Campustown. Mature trees and established landscaping create a shaded setting, while the fenced backyard and spacious back deck provide plenty of room to enjoy the outdoors. A hot tub on the back deck remains with the property. Inside, you'll find distinctive details that give this home plenty of personality, including hardwood flooring in select rooms and a wood-burning fireplace. The home offers a combination of original character and functional living spaces, ready for the next owner to make their own. All appliances remain, including the washer and dryer. Outside, the mature tree canopy is a standout feature, providing shade throughout the yard and deck. Whether relaxing by the fireplace, enjoying the hot tub, spending time in the fenced backyard, or heading over to nearby Victory Park, this home offers a unique combination of character, outdoor space, and proximity to the University of Illinois and Urbana-Champaign amenities. Please note: Listing photos have been digitally altered solely to remove the seller's personal belongings. Seller is currently in the process of packing and moving, and personal belongings will be present in the home during showings.

303 S Johnson Avenue, Urbana

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