Montgomery County Homes under $400,000

Montgomery County Homes under $400,000

Welcome to Montgomery County, NY—a hidden gem nestled in the heart of the Hudson Valley! This charming region is known for its picturesque landscapes, rich history, and vibrant community spirit. With its rolling hills, lush greenery, and proximity to the majestic Catskill and Adirondack Mountains, Montgomery County offers an idyllic backdrop for those seeking a peaceful yet engaging lifestyle.

For homebuyers looking for value, Montgomery County is a treasure trove of opportunities with a diverse selection of homes available for under $400,000. Whether you’re a first-time buyer, a growing family, or someone looking to downsize, you’ll find a variety of options that cater to your needs. From cozy bungalows to spacious family homes, each property is imbued with the warmth and character that make this county so special.

Imagine waking up in a charming home that’s just a stone’s throw away from local parks, hiking trails, and quaint downtown areas filled with unique shops and delightful eateries. The community is welcoming, with numerous events and activities throughout the year—perfect for making lifelong connections with neighbors.

Montgomery County also boasts excellent schools and convenient access to major highways, making commuting to nearby cities like Albany or New York City a breeze. With its perfect blend of rural charm and urban convenience, Montgomery County is not just a place to live; it’s a place to thrive. Explore the possibilities today and discover your dream home in this enchanting corner of New York!

Newest Montgomery County Homes under $400,000

198 Golf Course Road, Amsterdam
$219,000
4 Beds ⋅ 1 Baths ⋅ 202627533 MLS
Discover the potential in this 4-bedroom, 1-bath home sitting on 1.5 acres directly adjacent to Amsterdam Municipal Golf Course. Sprawling side and back yard with mature landscaping this property offers plenty of outdoor space to relax, entertain, and enjoy the scenic surroundings. The home has great bones and could be comfortably moved into while updating over time. Two large bedrooms are located upstairs, providing generous space for family, guests, or a home office. A clean, dry basement offers excellent potential for additional living space, recreation, storage or whatever you can dream up. A great opportunity to make this solid home your own while enjoying beautiful golf course views and a spacious lot.

198 Golf Course Road, Amsterdam
14 Orchard Street, Fort Plain
$225,000
4 Beds ⋅ 2 Baths ⋅ 202627489 MLS
Step into the timeless character and charm of this large brick Federal-style home, offering approx. 3,072 square feet of living space and an abundance of potential! With 4 generously sized bedrooms, 2 full baths, and an extra-large bonus room, there is plenty of room to accommodate a growing household, guests, hobbies, or a home office. The bonus room could easily serve as a 5th bedroom, family room, den, or office, depending on your needs. Inside, you'll find high ceilings, beautiful hardwood floors, detailed woodwork, and molding throughout, showcasing the character of this historic home. The center hall layout on both the first and second floors provides a spacious and traditional floor plan, while the formal dining room is perfect for entertaining and family gatherings. Enjoy relaxing outdoors on the covered front and back porches, adding even more charm and usable living space. A full walk-up attic offers tremendous storage and the potential for additional finished space.Many important updates have already been completed, including all new windows and updated wiring in 2016, a new furnace in 2011, and a new roof in 2010. Central air adds year-round comfort. This property offers a wonderful opportunity for buyers who appreciate historic architecture, generous room sizes, and the chance to make a home truly their own. So much potential in this beautiful property! Conveniently located just 5 minutes from the Thruway, within walking distance to school, and approximately 30 minutes to Cooperstown, this home combines historic character with a convenient location. A rare opportunity to own a spacious brick home filled with character, charm, and possibilities! Some photos have been edited to remove personal items.

14 Orchard Street, Fort Plain
3 Roosevelt Road, Amsterdam
$169,000
3 Beds ⋅ 2 Baths ⋅ 202627487 MLS
SPEC - READY WITHIN 90 DAYS. TO BE BUILT. Welcome to Settlers Crossing, a new homeownership community in Amsterdam. This newly constructed ranch offers approximately 1,250 square feet of single-level living with 3 bedrooms, 2 full bathrooms, and a full basement. The open-concept kitchen, dining area, and living room provide a comfortable and functional layout. The primary bedroom includes a private bathroom, while two additional bedrooms offer flexibility for guests or a home office. Built with energy efficiency in mind, the home features all-electric systems, ENERGY STAR appliances, high-performance insulation, and efficient heating and cooling. The full basement provides generous storage and future possibilities. Settlers Crossing is an affordable homeownership program. This home is offered through the New York State Affordable Homeownership Opportunity Program (AHOP) and is intended for qualified homebuyers who meet program requirements set by New York State Homes and Community Renewal (HCR). Buyers must meet income, education, counseling, lender, and program requirements. Purchase price is fixed.

3 Roosevelt Road, Amsterdam
387-389 Locust Avenue, Amsterdam
$225,000
7 Beds ⋅ 3 Baths ⋅ 202627338 MLS
Excellent investment or owner-occupied opportunity! This 3-unit property offers flexibility for both investors and buyers looking to offset their housing costs with rental income. The property features two 3-bedroom, 1-bath units plus one 1-bedroom, 1-bath unit. Live in one unit while renting the other two, or add all three units to your investment portfolio. A great opportunity to build equity while generating rental income. Minimum 24-hour notice required for all showings. All appointments must be confirmed prior to showing.

387-389 Locust Avenue, Amsterdam
6679 New York 5, Fort Plain
$349,000
3 Beds ⋅ 2 Baths ⋅ 202627185 MLS
Space, Style & More Than 6 Acres to Call Your Own! Welcome to this beautifully updated 3-bedroom, 1½-bath ranch set on over 6 acres of picturesque land where comfort, functionality, and outdoor living come together. Mature trees, thoughtful hardscaping, and plenty of room to enjoy the outdoors create a private setting with a wonderful country feel. The heart of the home is the spacious great room, bathed in natural light and warmed by a cozy pellet stove. The beautifully appointed custom gourmet kitchen features stone countertops, new cabinetry and appliances, a convenient pot filler, and the added novelty of a soda-can shoot leading directly to the basement. A brand-new ½-bath/laundry room adds both style and functionality. Step outside and discover an entertainer's dream! The rear deck features an above-ground pool and hot tub, along with a propane line hard-wired directly to the BBQ and outdoor fireplace area. The oversized heated two-car garage provides plenty of space for vehicles, toys, hobbies, or a workshop and features an additional rear overhead door. A beautifully finished breezeway connects the garage to the home, creating a seamless transition between indoor and outdoor spaces. The basement offers additional possibilities, including a large dog kennel that can remain for the next owner or be removed to suit your needs. Numerous updates provide peace of mind, including new LVP flooring (2023), new carpet (2026), new well and pump (2023), new 200-amp electrical service with generator hookup (2023) and a new steel roof (2023). With its combination of acreage, extensive outdoor amenities, spacious garage, custom kitchen, and thoughtful improvements, this property offers a rare opportunity to enjoy both country living and modern comforts.

6679 New York 5, Fort Plain
48 Storrie Street, Amsterdam
$185,000
4 Beds ⋅ 2 Baths ⋅ 202627174 MLS
48 Storrie Street offers the flexibility of a two-family property with a setup that works for both owner occupants and investors. The first floor unit will be vacant, ready for a new owner to move in and make it their own, while the upstairs two-bedroom unit is already rented month to month. Each apartment offers 2 bedrooms, a kitchen, living space and a full bath. Separate utilities for each unit. Outside, you'll find vinyl siding, an unattached one car garage and a manageable backyard. For the owner occupant, the opportunity is straightforward: live downstairs while the upstairs tenant helps offset your housing costs. For the investor, the vacant first-floor unit creates an opportunity to set your own tenancy and add a second income-producing unit to your portfolio. Two units. Four bedrooms. Separate utilities. Multiple ways to make the property work for you. 48 Storrie Street is a practical two-family with options and sometimes, options are exactly what you're looking for.

48 Storrie Street, Amsterdam
11 Colby Avenue, Fultonville
$299,000
4 Beds ⋅ 2 Baths ⋅ 202627141 MLS
Move-In Ready Raised Ranch in Premier Neighborhood. Fonda-Fultonville Schools! Enjoy worry-free living with high-value mechanical and aesthetic upgrades throughout! Located in a desirable, quiet neighborhood with neighborhood watch program and two-car attached garage. Key Features & Recent Updates: Tasteful, Custom Hickory Kitchen (2022): High-end cabinetry paired with stainless steel appliances (2022-2024). Interior Upgrades: Premium Galleria flooring and custom blinds throughout the main level. Major Systems: New durable steel roof (2024), propane furnace (2022), hot water heater (2023) new H2O meter (2025). Central air. Flexible Lower Level: Living space with a propane fireplace, a 4th bedroom and second bathroom--perfect for guests, older children, or multi-generational living. Private wooded backyard featuring beautiful landscaping and a producing elderberry bush accessible directly from the rear deck. All that's left to do here is move in!

11 Colby Avenue, Fultonville
81 Ft Johnson Avenue, Fort Johnson
$149,900
3 Beds ⋅ 2 Baths ⋅ 202627108 MLS
Cozy cape with 3 bedrooms, 1 1/2 baths, formal dining room and cozy front porch to relax on. Fruit trees in back yard. New laminate and wood flooring. Nicely landscaped.

81 Ft Johnson Avenue, Fort Johnson
7862 State Highway 5 7862, St Johnsville
$175,000
3 Beds ⋅ 2 Baths ⋅ 202627049 MLS
Lovely home that the whole downstairs has been remodeled. From Oak throughout from the ceiling to the flooring and cabinets, new stone countertops with eat in dining area open to the kitchen. A lovely view of the living room through the open bar area in the kitchen. The old porch was changed over to a mud room, and the full bath with ceramic tile, new wall, sink and tub were added. Back room for storage, extra bedroom or game room as well! Extra bedroom on the first floor for Convience or can be used for office, game room, etc. Two bedroom upstairs leading into a walk-in attic with great storage to boot! This lovely home is on 0.59 average with quiet stream throughout the lawn. Quiet setting just out of the village and minutes to shopping, dr office and healthcare facilities. This one will go quick!

7862 State Highway 5 7862, St Johnsville
43 Wilkes Avenue, Amsterdam
$260,000
4 Beds ⋅ 1 Baths ⋅ 202627000 MLS
Come see this larger than it appears, immaculately cared for home in the heart of the upper Northampton/Golf Course neighborhood. This show worthy home is perfect for a starter home or for a downsizer. Three to four bedrooms (one currently used as an office), bath, kitchen and living room on the first floor. Second floor hosts an expansive bedroom on one side and an oversized storage room on the other (sizable enough to add a second bath). The serene backyard with sheds is level and deep. Full dry basement with bilco walkout access. Cozy enclosed back porch for coffee off the kitchen. Come take a look...you won't want to leave!

43 Wilkes Avenue, Amsterdam
341 Getman Road, Mohawk
$289,900
2 Beds ⋅ 3 Baths ⋅ 202626970 MLS
This is a remarkably adorable Ranch situated on a double lot that combines a total of approximately 2.72 +/- Acres with a large detached 2 car garage, carport, screened in porch and 1/2 bath in the pool house. There is also a large drive through paved driveway and a large storage shed on the property. Home is a legal 3 bedroom that the seller currently has converted to a useable 2 bedroom home. Formal Dining Room used to be the 3rd bedroom. One of the existing bedrooms is a double room as well. Large Kitchen with Dining Area, Nice living room with large windows to enjoy the yard and view. Annual taxes for both lots with NO exemptions are $4,879.91 (house parcel $4,542.61, Shed parcel $337.30 - Sale includes SBL # 22.-5-8.12). The 2 car garage is insulated and sheet rocked with a wood stove. Pool was used this year, pump replaced in 2025, new cover purchased 8/2026, liner replaced about 6/7 years ago. There is a laundry chute to the basement laundry area. We do have 1 full bath on the main living space and one full bath in the basement. Convenient location gives you the peace of country living but yet only a short distance to Johnstown, Fonda or Amsterdam. There is multiple heat sources - Oil heat and a wood burning unit in the home. There is a separate septic system for the pool house bathroom and the home. There are also multiple wells on the property for the home and pool. There is so much at this property that was just beyond well thought of and there is even Central Air here - seller just preferred to use window a/c units through the years. Spectrum for Internet/Cable & Phone are available for this location. Pre-approved or proof of funds to view are being requested.

341 Getman Road, Mohawk
124 Auriesville Road, Glen
$229,900
3 Beds ⋅ 2 Baths ⋅ 202626936 MLS
This Quaint Home offers you brand NEW flooring throughout the 1st floor and a NEW 1/2 half bathroom upstairs. There are 3 true bedrooms and a 4th bonus room that could be used as a bedroom, office, play room, future full bathroom on the 2nd floor, or maybe you just need a massive walk in closet! Central Air installed in 2025, Hot Water Tank installed in 2024, Roof is about 10+/- yrs, there is a Hot Air Furnace for the primary heat source & 200amp service. Nice 1 car attached garage, & a large 2 car detached garage with shed off the back. Situated on a nice size lot 0.30 +/- of an Acre (80X165) in a nice country setting, but yet close to amenities, and an easy to commute to the Capital Region as this is close to both the Fultonville and Amsterdam Thruway Exit, Route 30A, Route 5s, Route 161 & Route 20. There are groceries stores within 20 minutes, as well as Stewart's shops etc. about 10 minutes away by vehicle. Close proximity to a bike path to enjoy those amenities as well. Annual taxes are $3,074.28 with NO exemptions, help to make this home super affordable for many. High Speed Internet area too! There is a nice clean and dry basement with a laundry hookup. Currently seller's also have a washer hookup in the 1st floor full bathroom & another dryer hookup in the attached garage. Someone could easily add a dryer plug to the full bathroom and use a stackable in there too. Each bedroom does have a closet and there is the old style wood flooring upstairs. If a buyer is interested the existing furniture in the home could stay with the sale. There are some beautiful flowering small trees, a lilac bush, a Japanese maple and a garden area within the yard. Nice Paved driveway that leads to both garages. There are also 2 water sources on the property, a drilled well and a dug well. You have the option to easily use either water source. Home should pass for an FHA/USDA or VA Home Loan.

124 Auriesville Road, Glen
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