Elkhart Homes under $400,000

Welcome to Elkhart, Indiana—an enchanting city that seamlessly blends small-town charm with a vibrant community spirit. Nestled in Elkhart County, this picturesque locale is renowned for its rich history, diverse culture, and stunning natural beauty. With its convenient access to major highways, Elkhart serves as a gateway to both urban amenities and serene countryside, making it an ideal place to call home.

Elkhart is celebrated for its thriving arts scene, highlighted by the famous Elkhart Jazz Festival and numerous galleries showcasing local talent. Outdoor enthusiasts will find plenty to love here, with the scenic Riverwalk along the Elkhart River, expansive parks, and nearby lakes offering endless opportunities for recreation and relaxation.

For homebuyers seeking affordability without compromising on quality, Elkhart presents a fantastic opportunity with a variety of homes available for under $400,000. Whether you’re looking for a charming bungalow, a spacious family home, or a modern townhouse, Elkhart's real estate market boasts a range of options that cater to diverse tastes and budgets. Many properties feature updated amenities, generous yards, and access to excellent schools, making them perfect for families, professionals, and retirees alike.

As you explore the enchanting neighborhoods of Elkhart, you’ll discover a welcoming community, rich traditions, and a promising future. With its affordable housing options and vibrant lifestyle, Elkhart is not just a place to live—it’s a place to thrive. Come and experience the warmth and charm of Elkhart, where your dream home awaits!

Newest Elkhart Homes under $400,000

$295,000

3 Beds ⋅ 2 Baths ⋅ 202640939 MLS ⋅ 1,523 SqFt. ⋅ Gregory Hire

Set in a quiet neighborhood, this three-bedroom (4th BR possible in basement) home has been owned by the same owner since it was built in 1975. Its distinctive brick exterior and beautifully terraced grounds create a memorable setting, with fieldstone steps, brick walls, and inviting outdoor spaces that offer a wonderful canvas for gardening and landscaping. The open-concept main floor features a great room with a skylight, wood-burning brick fireplace, and sliding door to the patio. The primary bedroom includes an attached bath with a slider to the deck. A full walkout basement adds a family room with a second wood-burning fireplace. Basement is partially finished. Enjoy the outdoors from the 34x12 poly deck or the 20x12 brick-paver patio. Fieldstone steps lead down through the terraced backyard, where mature trees and layered landscaping create a private retreat. The home also features a high-efficiency furnace.

60196 Surrey Ln, Elkhart

Listing courtesy of Gregory Hire from Hallmark Excellence Realty. Cell: 574-238-7157

$189,000

3 Beds ⋅ 1 Baths ⋅ 202640905 MLS ⋅ 864 SqFt. ⋅ Jose Ramirez

Move-in ready home in Baugo Township! This turn-key ranch home has low maintenance exterior with an outbuilding, vinyl siding and vinyl windows that provide ample amounts of natural lighting. Brand new paint and flooring throughout including seamless luxury vinyl plank throughout the entire main floor. The open concept kitchen is equipped with custom cabinets, a quartz sink and island seating! Enjoy the renovated full bathroom with modern finishes. Schedule your showing today!

56487 Miller Dr, Elkhart

Listing courtesy of Jose Ramirez from Berkshire Hathaway HomeServices Elkhart. Office: 574-293-1010

$149,900

2 Beds ⋅ 1 Baths ⋅ 202640838 MLS ⋅ 957 SqFt. ⋅ Brad Beer

Cute, move-in-ready home at an incredible price! Enjoy a spacious living room filled with natural light, plus an eat-in kitchen that opens to the living area—perfect for entertaining. The gorgeous new bathroom features an amazing tiled shower- a great way to start your day! The whole has has fresh paint, updated flooring, and modern lighting to add a stylish touch throughout. Convenient main-floor laundry makes everyday living easy. Outside, maintenance-free vinyl siding and a durable metal roof provide peace of mind. The large corner lot includes multiple fenced areas and storage sheds, offering plenty of space for pets, hobbies, and storage. Just move in and enjoy!

1400 Grand Ave, Elkhart

Listing courtesy of Brad Beer from Heart City Realty LLC. Cell: 574-596-0376

$158,215

2 Beds ⋅ 1 Baths ⋅ 202640777 MLS ⋅ 775 SqFt. ⋅ Jill Robinson

Move-in ready and packed with updates! Whether you're looking to simplify your space, make the move from renting to homeownership, or add to your investment portfolio, 2215 Decamp is worth a look. Step inside to a bright, welcoming interior with plenty of natural light and so many improvements already completed. Enjoy a beautifully updated kitchen, new flooring, vinyl windows, a new HVAC system, and a newer roof. Convenient main-level laundry makes everyday living easy, while the full basement provides plenty of additional storage space. Relax and enjoy the outdoors from the inviting front porch. With the updates already taken care of, all that's left to do is move in and make it your own. Schedule your showing today!

2215 Decamp Ave, Elkhart

Listing courtesy of Jill Robinson from eXp Realty, LLC. Cell: 574-250-9980

$169,900

3 Beds ⋅ 1 Baths ⋅ 202640714 MLS ⋅ 1,080 SqFt. ⋅ Craig Culver

Great 3 bedroom home on a large corner lot with a fenced yard! Large deck for outdoor entertaining! Mature trees for summer shade! Vinyl windows. Roof is 6 years old. Furnace replaced in 2019. Shed is convenient for extra storage. This is a great opportunity to start your home ownership journey!

56609 Shore Ave, Elkhart

Listing courtesy of Craig Culver from Berkshire Hathaway HomeServices Elkhart. Office: 574-293-1010

$300,000

3 Beds ⋅ 2 Baths ⋅ 202640676 MLS ⋅ 1,833 SqFt. ⋅ Tammy Harper

Turn-key home on a spacious corner lot with views of Simonton Lake! This fully furnished 3-bedroom, 2-bath home offers a combination of charm, space and versatility, including beautiful original hardwood floors, main-level laundry and a partially finished basement which is a rare find near the lake. The oversized primary bath conveniently houses a full size washer & dryer, stand up shower, vanity & plenty of space to move around. The finished basement expands your living space with a large 11x32 family room plus a separate 9x17 bonus room that could serve as a home office, hobby room or additional sleeping space. You’ll also find plenty of storage, a stand-up shower and a second laundry area complete with washer and dryer. Outside, enjoy a vinyl-fenced backyard featuring a large patio, complete with awning, patio furniture and storage shed. An additional 10' x 30' side patio provides the perfect space for storing a boat, trailer or camper. The oversized garage offers built-in cabinetry and plenty of room for vehicles, tools and toys. Additional features include a new roof in 2024, two solar-powered attic vents and a 9yr old HVAC system that includes an electronic air cleaner and has been professionally serviced twice a year. A 220V generator is also included and can power necessities such as the well pump, furnace & refrigerators during a power outage. Currently served by well and septic, the property also includes a grinder pump located in the shed should the new owner choose to pursue connection to available city sewer. Lake views, a large corner lot, fenced yard, finished basement, generous storage, room for your boat or camper & fully furnished—this home is literally move-in ready and has so much to offer!

26284 Lake Dr, Elkhart

Listing courtesy of Tammy Harper from Century 21 Circle. Office: 574-293-2121

$289,900

4 Beds ⋅ 2 Baths ⋅ 202640565 MLS ⋅ 1,680 SqFt. ⋅ Becky Mattair

Open the door to your beautiful home with tranquil views of the Elkhart River. Peaceful backyard setting, metal roof and lots of curb appeal. Two spacious living areas complete with brick wood burning fireplace, large master, convenient main floor laundry. Beautiful updated white cabinetry with lots of counter space. Great views in dining area. Offers hardwood flooring and vinyl plank flooring. Resurfaced speckled garage floor adds a nice touch. Updated windows. Excellent storage in basement. Buyer to verify all taxes, schools and measurements.

23737 Decamp Blvd, Elkhart

Listing courtesy of Becky Mattair from Cressy & Everett- Elkhart. Office: 574-264-7851

$389,000

3 Beds ⋅ 2 Baths ⋅ 202640513 MLS ⋅ 2,808 SqFt. ⋅ Brenden Tomshack

Welcome to 55912 Riverdale Dr.! This beautifully remodeled home combines modern style, thoughtful updates and the rare bonus of river access in an amazing neighborhood. Step inside to discover a brand new kitchen, two fully remodeled bathrooms, all-new appliances, and an impressive list of major updates including a new HVAC system and water heater. Outside enjoy the huge back deck, a two car garage plus an additional shed. With plenty of space to make your own, this move in ready home is ready to impress! Schedule your showing today!

55912 Riverdale Dr, Elkhart

Listing courtesy of Brenden Tomshack from McKinnies Realty, LLC. Cell: 574-847-1733

$103,500

1 Beds ⋅ 1 Baths ⋅ 202640496 MLS ⋅ 697 SqFt. ⋅ Jaime Perez

Attention all First-Time Buyers or Investors looking to take advantage of a great opportunity - this property features 1 bedroom and 1 bathroom with the possibility of a small second bedroom or great walk-in closet! The charming arched doorways, an abundance of natural light, newer fixtures, and main level laundry make this home a contender, and the price offers flexibility and potential for future improvements. Conveniently located close to restaurants, grocery stores, schools, shopping, and much more. Whether you’re a first-time homebuyer looking for an affordable property or an investor searching for your next opportunity, this home is worth a look. Sold as is.

1221 W Wolf Ave, Elkhart

Listing courtesy of Jaime Perez from Century 21 Circle. Office: 574-293-2121

$324,900

3 Beds ⋅ 2 Baths ⋅ 202640490 MLS ⋅ 1,732 SqFt. ⋅ Wilma McDougle

**OPEN HOUSE Sunday, October 4th 12-2PM** Rare waterfront opportunity! Tucked away on a unique private road, this tranquil riverfront setting provides a peaceful escape from the everyday. Enjoy your morning coffee overlooking the water, spend evenings around the fire watching the river flow by, or relax among the multiple gardens. This cozy, updated home offers upper and lower patios, open-concept main-level living, and a versatile walkout lower level that can accommodate a recreation room, guest quarters, a home office, or a potential apartment-style rental. Large windows capture scenic river views and fill the home with natural light. Major improvements: plumbing, electrical, and heating systems (2017); A/C (2018); new roof (2020); new septic (2026). Best of all, no flood insurance is required. Additional features: detached 2-car garage near the home, a second detached garage/workshop (sold as-is), and a handy storage shed. Whether you need space for hobbies, storage, gardening, or outdoor recreation, this property offers endless possibilities. Conveniently located between Elkhart and Mishawaka. Waterfront living on 1.1 acres for under $325,000 is a rare find—don't miss this opportunity to make the river your backyard. House hack! Live in the upper space and rent the lower.

56040 River Hts, Elkhart

Listing courtesy of Wilma McDougle from McKinnies Realty, LLC Elkhart. Cell: 574-612-3252

$99,900

3 Beds ⋅ 1 Baths ⋅ 202640488 MLS ⋅ 1,178 SqFt. ⋅ Abel Garcia

Discover an affordable homeownership opportunity in Elkhart! This 3-bedroom, 1-bath home offers 1,178 sq. ft. of living space, a practical layout, and a nicely sized yard. Conveniently located near parks, hospitals, shopping, and everyday amenities. The roof is approximately 5 years old, and several improvements have already been made. Whether you're a first-time buyer or looking for an affordable home, this property offers a great opportunity to make it your own. Schedule your showing today!

1010 Hudson St, Elkhart

Listing courtesy of Abel Garcia from RE/MAX Results The Viruez Team. Cell: 260-580-4761

$364,900

4 Beds ⋅ 3 Baths ⋅ 202640444 MLS ⋅ 1,882 SqFt. ⋅ Eric Kovalak

New construction home in Deerfield Estates, located in Elkhart Community Schools.This traditional two-story home offers 1,882 sqft of thoughtfully designed living space with 4 bedrooms and 2.5 baths, blending everyday comfort with timeless style. The great room is positioned at the front of the home, welcoming you in with natural light and a space that feels inviting from the moment you enter. The modern kitchen features a 48-inch island, white cabinetry, quartz countertops, tile backsplash, and stainless-steel appliances with refrigerator, creating a clean and functional centerpiece for the home. Just beyond, a dedicated dining nook provides a bright setting for everyday meals, conversation, and easy access through sliding glass doors to 10x10 patio and backyard. A practical mudroom with storage is located on the first floor with direct access to the garage, offering an organized drop zone for daily routines. The powder room is discreetly tucked away for added privacy, and the laundry room includes an exterior window for natural light along with a washer and dryer for convenience. Upstairs, all four bedrooms are thoughtfully arranged for privacy, including a spacious primary suite with a private bath and walk-in closet that feels like a personal retreat. With energy-efficient construction and a layout designed for flow and flexibility, this home offers a space that simply feels good to come home to. RESNET energy smart construction will save an estimated $1,195 annually. Actual savings may vary. See HERS® Rating Certificate and Energy Smart Flyer for details. Home includes a 10-year structural warranty, offering lasting peace of mind.

50657 Hunters Edge Trl, Elkhart

Listing courtesy of Eric Kovalak from Copper Bay Realty, LLC.

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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.