Troy Homes under $400,000

Welcome to Troy, New York—a vibrant city nestled in Rensselaer County, known for its rich history, stunning architecture, and a strong sense of community. One of the standout features of Troy is its commitment to education, exemplified by the Troy City School District. This district is dedicated to providing a high-quality learning environment for its students, with a focus on innovative programs and extracurricular activities that foster both academic and personal growth.

Families looking to settle in Troy will appreciate the diverse range of educational opportunities available, from early childhood programs to high school offerings that prepare students for college and careers. The district emphasizes not only academic excellence but also the importance of arts, athletics, and community involvement, ensuring well-rounded development for every child.

For those considering a move to Troy, you’ll be pleased to know that there are charming homes available under $400,000. Whether you’re looking for a quaint historic home with character or a modern townhouse with all the amenities, Troy has something to offer every buyer. The real estate market here is thriving, providing an excellent opportunity for first-time homebuyers or families seeking a welcoming community.

With its affordable housing options, excellent school district, and a lively atmosphere enriched by local shops, parks, and cultural events, Troy is not just a place to live—it's a place to thrive. Discover your dream home in Troy, where education and community come together to create a bright future for you and your family.

Newest Troy Homes under $400,000

$199,900

4 Beds ⋅ 3 Baths ⋅ 202627497 MLS

Three-unit multi-family property located steps from RPI, perfect for owner occupied or investment. The upper units feature commanding/beautiful views of downtown Troy and beyond, hardwood floors throughout, in unit washer/dryer, separate circuit breaker panels, electric and gas meters, separate gas-fired hot water tanks, and wall mounted, gas-fired boilers. Ground floor unit is a blank slate ready to be customized to taste. All appliances offered ''AS IS.'' Taxes are estimated and reflect a basic STAR exemption. Ground floor square footage not included in the total.

91 11th Street, Troy

$199,000

7 Beds ⋅ 2 Baths ⋅ 202627392 MLS

INVESTMENT OPPORTUNITY! Looking to add an income-producing property to your portfolio? 466 1st St offers a great opportunity with $2,800 in total monthly rental income and established, long-term tenants who would love to remain. Conveniently located directly across from a school, this property offers a desirable location for tenants and the stability of existing occupancy. Whether you're looking to expand your current portfolio or make your first investment, this property is worth a look!

466 1st Street, Troy

$225,000

3 Beds ⋅ 2 Baths ⋅ 202627271 MLS

Welcome to 413 3rd St in Troy! This well-maintained two-family home offers a great opportunity for an owner-occupant or investor, with several important updates and desirable features. Recent and notable improvements include a new hot water tank, off-street parking, and washer/dryer. The first-floor unit features a newer stove, while the upstairs unit has a newer refrigerator. The home is also equipped with a Generac backup generator, approximately 10 years old, providing added peace of mind. The furnace has been consistently maintained, and the roof is approximately 15 years old. Enjoy additional outdoor space with a backyard garden, perfect for gardening, relaxing, or entertaining. The property is currently vacant, giving an owner-occupant or investor the flexibility to occupy one unit, rent both units, or make updates to suit their needs. Conveniently located close to everything Troy has to offer, including local shops, restaurants, schools, parks, downtown amenities, public transportation, and major roadways. With two-family versatility, off-street parking, laundry, a backyard garden, backup generator, and numerous maintenance updates, this property is ready for its next owner.

413 3rd Street, Troy

$219,900

3 Beds ⋅ 3 Baths ⋅ 202627222 MLS

Attention investors and flippers! Historic triplex in Troy's thriving downtown neighborhood, just steps from the riverfront, RPI, Russell Sage, restaurants, galleries, coffee shops, shopping, and the farmers market. Original character throughout includes a beautiful staircase, high ceilings, oversized windows, built-ins, parquet floors, and tile details. Private backyard. The current owners have stamped architectural plans and drawings, and the main sewer line to the street has been replaced with PVC. Additional work completed includes all demo and cleaning, new electric, and framing. A great opportunity to restore and add value to a downtown property with so much potential. Sold as-is. Cash or private financing only.

3 St Pauls Place, Troy

$224,900

5 Beds ⋅ 2 Baths ⋅ 202627209 MLS

This versatile two-family home in the heart of South Troy features a spacious 3-bedroom unit on the first floor and a 2-bedroom unit on the second floor, offering an ideal setup for an owner-occupant or an investor. 1st floor is currently vacant and the 2nd unit is rented for $1100/month. Conveniently located near everything downtown Troy has to offer! Schedule your showing today! More pics of the 2nd unit to come!

101 Madison Street, Troy

$159,900

3 Beds ⋅ 2 Baths ⋅ 202627104 MLS

Opportunity awaits at 2209 12th Street! Conveniently located near RPI, Downtown Troy and just a short drive to Albany, this home offers a great combination of location, space and potential. Enjoy a large lot and a huge front porch with plenty of room to relax and entertain. Inside, the first-floor bedroom and dedicated first-floor laundry add flexibility and convenience. Whether you're an investor looking for a property in a desirable rental area or a buyer ready to add your own style and make this house your home, there's plenty to appreciate here. Bring your vision and take advantage of all this Troy property has to offer!

2209 12th Street, Troy

$325,000

3 Beds ⋅ 3 Baths ⋅ 202627083 MLS

Beautiful Cape Cod living in Troy's highly sought-after East Side! Built in 1991, this beautifully maintained 3-bedroom, 2.5-bathroom home perfectly blends a modern layout with everyday comfort. The main level features a bright, sun-drenched living space that offers an open, welcoming flow. Retreat upstairs to your private, spacious second-floor primary suite, complete with its own dedicated bath and excellent closet space. The living space expands downstairs into a fully finished basement featuring a wet bar and a convenient half bath--the ultimate setup for a media room, home office, or entertaining guests. Outside, enjoy a lovely yard perfect for relaxing or entertaining. Located in a quiet, established neighborhood just minutes from local parks, shopping, dining, and easy commuter routes. Don't miss the chance to make this East Side gem your own!

62 Desson Avenue, Troy

$239,000

5 Beds ⋅ 2 Baths ⋅ 202626980 MLS

Welcome to this spacious 5-bedroom, 1.5-bath home, thoughtfully updated and ready for its next owner! Featuring new flooring throughout, a brand-new kitchen, an updated bathroom, and new appliances, many of the major updates have already been completed for you. The generously sized bedrooms offer plenty of flexibility for family, guests, a home office, or additional living space. Outside, enjoy a large yard with ample room to entertain, relax, garden, or create your own outdoor oasis. With plenty of space and numerous updates already taken care of, this home offers a fantastic opportunity for anyone looking for comfort, convenience, and a move-in-ready property. Schedule your showing today--this one won't last long!

32 Lincoln Avenue, Troy

$399,999

3 Beds ⋅ 2 Baths ⋅ 202626793 MLS

Welcome to this beautifully renovated 3-bedroom, 2-full-bath home, ideally situated on a professionally landscaped corner lot in a desirable hilltop setting near Frear Park. Thoughtfully updated in 2018, this move-in-ready home offers a wonderful combination of modern finishes, flexible living space, and exceptional indoor and outdoor amenities. The spacious eat-in kitchen features quartzite countertops, stainless steel appliances, and updated cabinetry, with dining area and additional cabinetry for extra storage. The inviting living areas showcase refinished hardwood floors and a beautiful wrought-iron staircase, while both full bathrooms have been tastefully updated with ceramic tile. A unique feature of this home is the versatile first-floor space, currently being used as a primary bedroom with a full bath. This flexible area could easily be converted to a family room, home office, guest suite for additional living space. Step outside and enjoy your own private backyard oasis, complete with a brand-new salt water in-ground pool, stamped concrete patio, professional landscaping, and brand-new privacy fence. This exceptional outdoor space is perfect for entertaining, relaxing, and enjoying summer days with family and friends. Conveniently located near Frear Park, shopping, dining, schools, and area amenities, this home offers the perfect blend of comfort, modern updates, flexible living space, and outstanding outdoor living. Beautifully maintained, move-in ready, and truly a must-see!

112 Seneca Street, Brunswick

$314,900

6 Beds ⋅ 2 Baths ⋅ 202626780 MLS

A solid, updated 3,300 SF duplex offering exceptional versatility for investors or an owner-occupant looking to live in one unit and rent the other. Both flats feature a spacious 3-bedroom, 1-bathroom layout with classic built-in cabinets and barn doors separating the living room and dining room. Infrastructure projects are already done: a new roof (2023), gutters (2025), upgraded electrical panels (2021), two new hot water tanks (2024), a newer furnace, and Energy Star exterior doors. The property includes durable vinyl flooring on the second floor. Pull up the carpets on the first to expose the original hardwood flooring. A fenced backyard with a large patio, and dual front porches for your enjoyment. Tenants or owners enjoy 3 paved off-street parking spaces, a smart lights, security system with Ring cameras, and coin-operated laundry in the basement. Ample storage in the dry basement and walk up attic.

5 Lansing Avenue, Troy

$324,900

3 Beds ⋅ 3 Baths ⋅ 202626776 MLS

Welcome to 27 Wynantskill Way, where space, comfort, and location come together in the desirable Vanderheyden Estates neighborhood of Troy. This inviting 3-bedroom, 2.5-bath home offers a spacious and functional layout designed for both everyday living and entertaining. Step outside to a large backyard with plenty of room for summer cookouts, entertaining friends and family, pets, or simply relaxing and enjoying your own outdoor space. With generous room inside and out, plus a convenient location close to shopping, dining, schools, and major roadways, 27 Wynantskill Way offers the comfort, space, and neighborhood setting buyers are looking for in a place to call home.

27 Wynantskill Way, Troy

$210,000

6 Beds ⋅ 2 Baths ⋅ 202626760 MLS

Nice opportunity of Owner Occupy or Investor. This 6 Bedroom 2-Family is fully rented at $2,750 monthly income. Tenants pay Elect. & Gas. Major renovations within 5-6 years are new forced hot air system for 1st floor, new hot water tanks, updated kitchens, circuit breaker boxes & new flooring. Short walk to Little Italy area restaurants or Downtown Troy Farmers Market, Concerts, venues and entertainment. Big bonus regarding this 2-Family is it has a rarely round Large Backyard plus 2 Car Off Street Parking!

146 Hill Street, Troy

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