Troy Homes under $200,000

Welcome to Troy, Ohio – a charming city nestled in the heart of Miami County, where small-town charm meets modern convenience. Known for its rich history and vibrant community spirit, Troy offers a delightful blend of picturesque parks, historic architecture, and a thriving downtown area filled with unique shops and local eateries. Residents enjoy a strong sense of community, with numerous events throughout the year, such as the famed Troy Strawberry Festival, which draws visitors from near and far.

For homebuyers seeking affordable options, Troy is an excellent choice, with a variety of homes available under $200,000. Whether you’re a first-time buyer, downsizing, or looking for an investment property, the Troy real estate market offers a selection of charming bungalows, cozy ranch-style homes, and spacious two-story residences. Many of these properties feature lovely yards, updated interiors, and easy access to local amenities, making them perfect for families and individuals alike.

Living in Troy means enjoying the beauty of the outdoors with numerous parks, walking trails, and the scenic Great Miami River nearby. The city’s commitment to community and quality of life is evident in its well-maintained public spaces and recreational facilities. With its affordable housing options, welcoming atmosphere, and strong community bonds, Troy, Ohio, is not just a place to live; it’s a place to call home. Explore the homes available in this delightful city and discover the perfect fit for your lifestyle!

Newest Troy Homes under $200,000

$194,900

2 Beds ⋅ 2 Baths ⋅ 970821 MLS ⋅ Lindsey Chaney

Welcome to 450 Kirk Lane in Troy! This 2-bedroom, 1.5-bath home offers a functional layout, a convenient 2-car garage, and a screened-in porch that’s perfect for enjoying the outdoors in comfort. Built on a crawl space for easy, low-maintenance living, this home offers comfortable living spaces and a practical floor plan. Conveniently located in Troy, close to shopping, dining, and local amenities. Don’t miss the opportunity to make this home your own!

450 Kirk Lane, Troy

Courtesy of Lindsey Chaney and Coldwell Banker Heritage

$179,900

3 Beds ⋅ 1 Baths ⋅ 970616 MLS ⋅ Richard Pierce

Classic lap vinyl siding and inviting front porch creates a warm greeting to this residential single-family home. Step onto the front porch and experience a sense of comfort before stepping inside this spacious one-story layout featuring 3 bedrooms and 1 full bathroom. The living area is anchored by a brick fireplace while French doors, built-in shelving, panel ceilings, and rich wood-look flooring enhance the atmosphere. The kitchen workspace is equipped with counters, updated cabinetry, a range, a dishwasher, and a refrigerator. The home has 3 bedrooms featuring classic trim detailing, high baseboards, and built-in shelving. Convenience is integrated into the layout with laundry hookups situated just off the main bathroom, renovated with a sink vanity and a classic bathtub and shower combination. For storage and future possibilities, the property features an unfinished attic with vaulted ceilings, exposed wooden roof rafters, and subflooring. Outdoor living is simple and relaxing with a wooden deck extending into the expansive grassy yard. A fully enclosed chain-link fenced lawn, great for pets, also includes a storage shed and a gravel driveway. Located on a 0.21-acre lot, this home provides a tranquil setting for enjoying quiet afternoons in the yard. New paint and carpet. Central air and furnace, vinyl siding, large lot help this be a wonderful home.

18 N Cedar Street, Troy

Courtesy of Richard Pierce and Coldwell Banker Heritage

$173,900

3 Beds ⋅ 2 Baths ⋅ 970641 MLS ⋅ Paolina T Quafisi

Welcome to this charming home filled with old-world character and timeless appeal! Offering 3 bedrooms and 1.5 baths, this home features a cozy living room and a welcoming kitchen with beautiful butcher block countertops. Numerous updates include the roof, A/C unit, half bath, full bath, kitchen appliances, carpeting, and more. A full basement provides plenty of storage space, while the detached one-car garage offers added convenience. A wonderful opportunity to own a home with character and many recent improvements!

820 Washington Street, Troy

Courtesy of Paolina T Quafisi and RE/MAX Alliance Realty

$199,500

3 Beds ⋅ 1 Baths ⋅ 970478 MLS ⋅ Jerry L Miller

Welcome to 388 Miami Street in tranquil north Troy. Located on a corner lot, this modest home provides a comfortable floorplan, maintenance-free exterior, and easy access to the beautiful downtown Troy, schools, park system, Miami Shores Golf Course, and the gorgeous Miami River bike/walkway. Featuring over 1100 square foot of living area, privacy fencing, and major updates like a newer roof, remodeled kitchen & bath, this property provides solid "bones" & GREAT VALUE! Continuous family ownership for more than 30 years.

388 Miami Street, Troy

Courtesy of Jerry L Miller and Garden Gate Realty Inc.

$179,900

2 Beds ⋅ 1 Baths ⋅ 970490 MLS ⋅ Landon Hiles

Welcome to 608 E Canal Street! This charming 2-bedroom, 1-bath home in Troy offers a cozy place to call your own. The covered front porch provides a welcoming first impression, while the yard offers room to enjoy the outdoors, garden, or entertain. Bring your personal touches and make this home your own. Schedule your showing today!

608 E Canal Street, Troy

Courtesy of Landon Hiles and Howard Hanna Real Estate Serv

$125,000

3 Beds ⋅ 1 Baths ⋅ 970410 MLS ⋅ Deanna L Harrison

Bring your vision and unlock the potential of this 3-bedroom home! While the property needs some work, it offers plenty of possibilities for those looking to create a home that truly reflects their style. The full basement adds valuable living space, featuring 2 additional bedrooms, a spacious family room, and a full bath. Outside, you’ll find a 1-car detached garage and a charming setting in an adorable neighborhood. With its flexible layout and abundant potential, this home is ready for someone to bring it back to life and make it their own! Be sure to explore the floor plan, virtual tour and video for a closer look at all this property has to offer.

551 Meadow Lane, Troy

Courtesy of Deanna L Harrison and Leis Realty Company

$124,900

2 Beds ⋅ 1 Baths ⋅ 969997 MLS ⋅ Todd Broomhall

DON’T MISS THIS ONE! Welcome to 918 Walker Street in Troy—a charming 2-bedroom, 1-bath home tucked away on a quiet dead-end street! Offering 764 sq. ft. of living space, this home is a great option for first-time buyers, downsizers, or investors. Several big-ticket improvements have already been taken care of, including a NEW ROOF in 2018, water heater in 2019, NEW FENCING in 2021, and an UPDATED BATHROOM in 2024! The BASEMENT provides valuable additional storage space, giving you plenty of room to keep things organized. Step outside and you'll find a LARGE FENCED BACKYARD with plenty of room for pets, entertaining, gardening, or summer cookouts. Relax under the COVERED BACK PATIO, enjoy your morning coffee on the COVERED FRONT PORCH, and take advantage of the backyard shed for even more storage. With its spacious yard, basement storage, outdoor living areas, and location on a dead-end street, 918 Walker Street has a lot to offer. Schedule your showing and come see it for yourself!

918 Walker Street, Troy

Courtesy of Todd Broomhall and Keller Williams Home Town Rlty

$174,900

4 Beds ⋅ 1 Baths ⋅ 968802 MLS ⋅ Todd Broomhall

Investor Opportunity on Over 3 Acres in Milton-Union Schools! Welcome to 5008 S Kessler Frederick Road, a 4-bedroom home situated on a spacious rural lot of over three acres. This property presents an excellent value-add opportunity for investors, rehabbers, or buyers ready to bring new life to a home in a desirable school district. The home offers a functional layout with four bedrooms and generous living space, providing a solid canvas for renovation and improvement. With vision and updates, this property has strong potential as a flip, rental, or long-term hold. The expansive acreage adds flexibility and upside—ideal for outdoor improvements, storage, animals, or future enhancements—while still offering a peaceful country setting.

5008 S Kessler Frederick Road, Troy

Courtesy of Todd Broomhall and Keller Williams Home Town Rlty

$124,900

2 Beds ⋅ 1 Baths ⋅ 966456 MLS ⋅ Cindy Brandt-Buroker

Great opportunity to make this home your own with some sweat equity. Home sits on a nice size fenced in lot and in addition to the one car oversize garage which is 20x14 there also is a metal garage that is 18x12 and a new shed that measures 10x09. Interior of home has an amazing size living room and a nice kitchen with plenty of cupboard space. Property is vacant is easy to show and occupancy at closing

606 Virginia Avenue, Troy

Courtesy of Cindy Brandt-Buroker and Howard Hanna Real Estate Serv

$169,900

3 Beds ⋅ 2 Baths ⋅ 966272 MLS ⋅ Matthew Donahey

Enjoy the season porch sitting both to the East and West. In this 3 bedroom, 1.5 bath, 2 story. With fresh interior paint and a few updates, this home is awaiting your creativity and personal style. Enjoy the fenced backyard by adding a garden, or try your hand at landscape design. Newer roof, flooring and bath updates done in 2019, garage opener 2021, main plumbing/line replaced 2026 as well as a new AC unit this summer. Appliances stay, monthly utilities provided with listing information. Great starter home!

334 Ellis Street, Troy

Courtesy of Matthew Donahey and Galbreath REALTORS

$125,000

3 Beds ⋅ 1 Baths ⋅ 964321 MLS ⋅ Bryan C Ogletree

Opportunity knocks! Bring your ideas and a paintbrush to this 3-bedroom, 1-bath, two-story home with a detached pole barn/garage. Step inside to a spacious living room that flows into a charming front parlor, offering additional living or flex space. The roomy kitchen provides plenty of cabinet and workspace and opens to the formal dining room, making it ideal for everyday living and entertaining. The main floor also features a convenient first-floor laundry room and a full bath. Upstairs, you'll find three comfortable bedrooms. Outside, the large detached pole barn-style garage offers ample space for vehicles, storage, hobbies, or a workshop. Whether you're looking for your next home or an investment opportunity, this property is ready for your personal touch. Call or text today to schedule your private tour!

707 W Market Street, Troy

Courtesy of Bryan C Ogletree and RE/MAX Alliance Realty

$135,900

2 Beds ⋅ 1 Baths ⋅ 964374 MLS ⋅ Paolina T Quafisi

Conveniently located just minutes from vibrant downtown Troy, this freshly updated home is move-in ready! Offering 2 comfortable bedrooms and 1 full bath, this charming property features a bright, inviting interior with recent updates throughout. The full basement provides plenty of storage space. Outside, you'll find a partially fenced backyard, a storage shed for all your outdoor essentials, and a shared driveway. Whether you're a first-time homebuyer, looking to downsize, or searching for an investment property, this home is one you won't want to miss. Schedule your private showing today

108 N Elm Street, Troy

Courtesy of Paolina T Quafisi and RE/MAX Alliance Realty

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