Charlestown Homes under $400,000

Charlestown Homes under $400,000

Welcome to Charlestown, Indiana—a charming city nestled in the heart of Clark County, where small-town warmth meets modern conveniences. Known for its rich history and vibrant community spirit, Charlestown offers an inviting atmosphere for families, professionals, and retirees alike. With a population that values both connection and growth, this city is a hidden gem just a stone's throw from the bustling metropolis of Louisville, Kentucky.

Charlestown boasts a variety of recreational opportunities, including the picturesque Charlestown State Park, where residents can enjoy hiking, camping, and exploring nature. The city is also home to a thriving downtown area, featuring local shops, restaurants, and community events that foster a sense of belonging among its residents. Whether you're taking a leisurely stroll along the scenic riverfront or participating in one of the city's many festivals, there’s always something happening in Charlestown.

For those seeking their dream home, Charlestown offers an impressive selection of properties under $400,000. From charming single-family homes with spacious yards to modern townhouses perfect for first-time buyers, there’s something to suit every lifestyle and budget. The real estate market here is not only affordable but also vibrant, making it an ideal place for young families and professionals looking to settle down.

In Charlestown, you’ll find more than just a house; you’ll discover a place to call home. With its welcoming community, beautiful surroundings, and affordable housing options, Charlestown is ready to embrace you and your family. Come explore the possibilities and make your move to this delightful city today!

Newest Charlestown Homes under $400,000

8002 Kismet Drive, Charlestown
$259,900
3 Beds ⋅ 2 Baths ⋅ 2026012300 MLS
Welcome home to this inviting 3-bedroom, 2-bath ranch in the desirable Stacy Springs neighborhood, just minutes from the East End Bridge and downtown Jeffersonville. Inside, you’ll find a bright, open-concept layout with a spacious great room that flows naturally into the eat-in kitchen, complete with a pantry, breakfast bar, and generous cabinet space. Kitchen appliances, along with the washer and dryer, will remain with the home. The split-bedroom floor plan offers added privacy, while the primary suite features a walk-in closet and private bath. Enjoy quiet mornings on the covered front porch or relax on the back patio overlooking the backyard. With easy access to I-265, shopping, dining, and Louisville, this home makes everyday living simple and convenient.

8002 Kismet Drive, Charlestown

Listing courtesy of Green Tree Real Estate Services.

5126 Abington Way Unit 1538, Charlestown
$349,900
3 Beds ⋅ 2 Baths ⋅ 2026012273 MLS
Step into The Melbourne by Discovery Builders, a thoughtfully crafted home featuring 3 bedrooms, 2 bathrooms, and a bright, open living space designed for comfort and style. The living room showcases a vaulted ceiling and large windows that fill the home with natural light. The kitchen is equipped with granite countertops, ample cabinetry, and a pantry closet, making meal prep both functional and enjoyable. Both bathrooms feature quartz countertops, with the primary bath offering a double vanity and tile shower walls for a spa-like feel. The primary bedroom provides a peaceful retreat with its own full bath, while bedrooms 2 and 3 offer generous space and well-sized closets. A covered front porch welcomes you into a warm foyer accented by a cased doorway. Completing the home is a 3-car garage, perfect for storage, vehicles, or workspace. Additional highlights: spray foam wall insulation and stainless kitchen appliance package. Buyer to verify all details. Sq ft & rm sz approx. #DiscoveryBuilders

5126 Abington Way Unit 1538, Charlestown

Listing courtesy of Schuler Bauer Real Estate Services ERA Powered (N.

8426 Aberdeen Lane, Charlestown
$310,000
3 Beds ⋅ 4 Baths ⋅ 2026012084 MLS
Classic Cape Cod charm meets an inviting 2,785 square feet of flexible living space at 8426 Aberdeen Lane in Charlestown, Indiana. Built in 2005 and set on a spacious 0.31-acre lot, this refreshed home offers 3 bedrooms, 3 full bathrooms, 1 half bathroom, and 2,785 square feet designed for comfortable everyday living and easy entertaining. Fresh interior paint and updated finishes create a clean, inviting feel, while the adaptable floor plan provides plenty of options for a home office, guest accommodations, hobbies, media space, or additional gathering areas. The Cape Cod architecture delivers timeless curb appeal, and the home's generous proportions allow each space to feel practical and welcoming. Four bathrooms help keep daily routines convenient, while the attached 2-car garage provides secure parking, storage, and room for tools or recreational gear. Outdoors, the 0.31-acre lot offers space to dine, garden, play, or unwind. Located in Charlestown, this property combines a peaceful residential setting with convenient access to local shopping, dining, everyday services, and routes toward Louisville. With its spacious layout, thoughtful updates, and versatile living areas, this home is ready to support a variety of needs and routines. Whether hosting friends, working from home, or enjoying a quiet evening, the layout makes it easy to create spaces to fit your life. Schedule a private showing to experience the space, flexibility, and classic character of 8426 Aberdeen Lane.

8426 Aberdeen Lane, Charlestown

Listing courtesy of eXp Realty, LLC.

5129 - LOT 129 Boulder Springs Boulevard, Charlestown
$367,900
4 Beds ⋅ 3 Baths ⋅ 202609922 MLS
Premier Homes of Southern Indiana presents the “Gem” with a walkout basement floor plan, a 4 bed/3 bath, split bedroom, ranch-style home that offers open-concept living. Entering from the cozy covered front porch, the two secondary bedrooms, a full bath, and the laundry room are located just off the foyer. At the end of the foyer is the open-concept great room, kitchen, and breakfast nook, overlooking the backyard. On one side, the roomy kitchen offers quartz countertops, stainless steel appliances, and a kitchen island. The primary suite is located off the kitchen and features an en-suite bathroom with large walk-in shower, walk-in closet, and linen tower. The full, finished walkout basement features a large 4th bedroom, full bathroom, and huge family room that walks out to the back patio. Save $$$ toward closing costs by using one of our recommended lenders! Builder is a licensed real estate agent in the state of Indiana.

5129 - LOT 129 Boulder Springs Boulevard, Charlestown

Listing courtesy of RE/MAX FIRST.

172 Third Street, Charlestown
$219,999
3 Beds ⋅ 2 Baths ⋅ 2026012276 MLS
Discover a fresh start at 172 Third St. This newly constructed single-family residence, being built in 2026, offers 1064 square feet of meticulously designed living space, promising a life of ease and modern comfort. Creating an ideal space for entertaining and everyday living. Indulge in the thoughtfully designed bathrooms, featuring a walk-in shower that provides a spa-like experience. Retreat to the principal bedroom, a private sanctuary complete with an ensuite bathroom and a spacious walk-in closet, offering both convenience and ample storage. Additional features include a dedicated laundry area for practical living and a welcoming porch, perfect for enjoying the outdoors. This exceptional property offers a harmonious blend of style and functionality, ready to welcome you home.

172 Third Street, Charlestown

Listing courtesy of KGF Realty, LLC.

4321 - LOT 222 Deer Springs Trail, Charlestown
$278,900
3 Beds ⋅ 3 Baths ⋅ 2026010143 MLS
Premier Homes present the beautiful “Emerald” floor plan is a 3 bed/2.5 bath home that offers plenty of space! Entering the home from the large covered front porch, on the main floors a half bath, coat closet, and office/flex space which are located just off the foyer. The kitchen is the central hub of the home, and includes a walk-in pantry, quartz countertops, and back door that walks out to the backyard. The spacious dining area and great room make up the rest of the main floor. On the 2nd floor, the primary suite is located at the front of the home and includes an en-suite bath and expanded walk-in closet. The primary bathroom offers a private water closet and walk-in shower. The 2 secondary bedrooms are split from the primary and face the back of the home. The laundry room is also located on the second level, providing easy and convenient access. Save $$$ toward closing costs by using one of our recommended lenders! Builder is a licensed real estate agent in the state of Indiana.

4321 - LOT 222 Deer Springs Trail, Charlestown

Listing courtesy of RE/MAX FIRST.

4319 - LOT 223 Deer Springs Trail, Charlestown
$284,900
3 Beds ⋅ 3 Baths ⋅ 2026010144 MLS
Premier Homes presents the spacious “Opal” floor plan, a 1.5 story, 3 bed/2.5 bath home with a first floor primary suite and laundry and a flex room on the 2nd floor. Coming from the spacious covered front porch, you enter the home into the large great room. The kitchen is located at the center of the open living space, with an eat-in breakfast nook behind the kitchen, overlooking the backyard. The kitchen provides plenty of space, highlighted by a breakfast bar, a kitchen island, walk-in pantry, quartz countertops, and stainless steel appliances. Off the breakfast nook is the primary bedroom and stairs to the second floor. The primary suite provides a huge walk-in closet and an en-suite bath with a water closet, large walk-in shower, and linen closet. Up the stairs to the second floor, you’ll immediately find the flex room – a great space for a playroom, school room, or second living room! Off the flex room are the two secondary bedrooms and a full bath. Save $$$ toward closing costs by using one of our recommended lenders! Builder is a licensed real estate agent in the state of Indiana.

4319 - LOT 223 Deer Springs Trail, Charlestown

Listing courtesy of RE/MAX FIRST.

5127 - LOT 128 Boulder Springs Boulevard, Charlestown
$366,900
4 Beds ⋅ 3 Baths ⋅ 202609921 MLS
Premier Homes of Southern Indiana presents the Ruby, a 4 bed / 3 bath home with a walkout basement. Enter inside via the cozy, covered front porch into the foyer, leading to the open-concept great room, kitchen, and breakfast area. The beautiful eat-in kitchen includes stainless steel appliances, quartz countertops, an island, and conveniently-located pantry. The kitchen connects to the 2-car attached garage via the dedicated laundry room entryway. Step from the great room out onto the covered back deck to enjoy the outdoors. The primary suite is located beyond the great room and offers an elegant tray ceiling, and a spacious en-suite bathroom with a water closet, walk-in closet, and a large walk-in shower. Bedrooms 2&3 are located off of the foyer and share a second full bathroom. The full, finished walkout basement features a large 4th bedroom, full bathroom, and huge family room that walks out to the back patio. Save $$$ toward closing costs by using one of our recommended lenders! Builder is a licensed real estate agent in the state of Indiana.

5127 - LOT 128 Boulder Springs Boulevard, Charlestown

Listing courtesy of RE/MAX FIRST.

4237 - LOT 213 Round Rock Boulevard, Charlestown
$260,900
2 Beds ⋅ 2 Baths ⋅ 2026010273 MLS
Premier Homes of Southern Indiana presents the cozy Onyx floor plan, a 2 bed / 2 bath home offering the perfect blend of comfort and style! As you walk through the covered front porch, you’ll enter through the foyer, with the 2nd bedroom and guest bathroom located on one side, and the laundry room located on the other. Continuing down the hallway, you’ll step into the spacious open-concept great room, kitchen, and dining area. The eat-in kitchen features stainless steel appliances, quartz countertops, a kitchen island, and a walk-in pantry for all your culinary needs. The dining room has a door leading out to the covered back patio, perfect for enjoying the outdoors. The primary suite is located just off the great room and offers a peaceful retreat with an optional tray ceiling and a private en-suite bathroom, featuring a walk-in closet and a large walk-in shower.

4237 - LOT 213 Round Rock Boulevard, Charlestown

Listing courtesy of RE/MAX FIRST.

4239 - LOT 214 Round Rock Boulevard, Charlestown
$283,900
3 Beds ⋅ 3 Baths ⋅ 2026010272 MLS
Premier Homes of Southern Indiana presents the spacious “Pearl” floor plan, a 1.5 story, 3 bed / 2.5 bath home that features a 1st floor primary suite and a flex room on the 2nd floor. Enter the home from the cozy, covered front porch, through the foyer, past the half bath, to the open-concept great room, kitchen, and breakfast area, all overlooking the backyard. The beautiful eat-in kitchen includes stainless steel appliances, quartz countertops, pantry, breakfast bar, and breakfast nook that walks out to the back patio. Located off the foyer, the primary suite offers a huge walk-in closet and spacious en-suite bath with a walk-in shower. Upon heading upstairs, you’ll find a sizable flex room – the perfect place for a game room, school room, or a bonus living room! Save $$$ toward closing costs by using one of our recommended lenders! Builder is a licensed real estate agent in the state of Indiana.

4239 - LOT 214 Round Rock Boulevard, Charlestown

Listing courtesy of RE/MAX FIRST.

5131 - LOT 130 Boulder Springs Boulevard, Charlestown
$368,900
4 Beds ⋅ 3 Baths ⋅ 202609923 MLS
Premier Homes of Southern Indiana presents the beautiful 'Winnipeg' with walkout basement floor plan! This 4 Bed/3 Bath home features a large covered front porch, spacious great room with 10' ceiling, open floor plan, and split bedrooms. The eat-in kitchen offers vaulted ceilings, stainless steel appliances, quartz countertops, and roomy breakfast nook w/sliding door that leads out to the deck. Primary suite offers an elegant tray ceiling, spacious walk-in closet, and en-suite bath with double vanity, water closet, and large walk-in shower. The full, finished walkout basement features a large 4th bedroom, full bathroom, and huge family room that walks out to the back patio. This home also includes a 2 car attached garage w/keyless entry & a RWC home warranty! Save $$$ toward closing costs by using one of our recommended lenders! Builder is a licensed real estate agent in the state of Indiana.

5131 - LOT 130 Boulder Springs Boulevard, Charlestown

Listing courtesy of RE/MAX FIRST.

5120 Abington Way Unit 1535, Charlestown
$349,900
3 Beds ⋅ 2 Baths ⋅ 2026012250 MLS
Step into The Melbourne by Discovery Builders, a thoughtfully crafted home featuring 3 bedrooms, 2 bathrooms, and a bright, open living space designed for comfort and style. The living room showcases a vaulted ceiling and large windows that fill the home with natural light. The kitchen is equipped with granite countertops, ample cabinetry, and a pantry closet, making meal prep both functional and enjoyable. Both bathrooms feature quartz countertops, with the primary bath offering a double vanity and tile shower walls for a spa-like feel. The primary bedroom provides a peaceful retreat with its own full bath, while bedrooms 2 and 3 offer generous space and well-sized closets. A covered front porch welcomes you into a warm foyer accented by a cased doorway. Completing the home is a 3-car garage, perfect for storage, vehicles, or workspace. Additional highlights: spray foam wall insulation and stainless kitchen appliance package. Buyer to verify all details. Sq ft & rm sz approx. #DiscoveryBuilders

5120 Abington Way Unit 1535, Charlestown

Listing courtesy of Schuler Bauer Real Estate Services ERA Powered (N.

Start Your Search