Troy Homes under $350,000

Welcome to Troy, Ohio, a charming city nestled in the heart of Miami County, where small-town charm meets modern living. Known for its rich history and vibrant community, Troy offers a unique blend of amenities, beautiful parks, and a welcoming atmosphere that makes it an ideal place to call home.

Troy is renowned for its picturesque neighborhoods, and for those seeking affordable housing options, you’ll be delighted to discover a variety of homes available for under $350,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, Troy’s real estate market has something for everyone. From cozy bungalows to spacious family homes, you’ll find properties that fit your lifestyle and budget.

The community is not just about beautiful homes; it’s also about the people and the experiences that come with living here. Residents enjoy easy access to a range of recreational activities, including stunning parks, walking trails, and local events that bring the community together. The downtown area is filled with delightful shops, restaurants, and cultural attractions that showcase the city's vibrant spirit.

In Troy, you’ll find a strong sense of community and a commitment to quality living. With excellent schools and convenient access to major highways, commuting to nearby cities is a breeze. If you’re looking for a place that offers both affordability and a high quality of life, Troy, Ohio, is the perfect destination for your next home. Come explore the possibilities and discover why so many are proud to call Troy home!

Newest Troy Homes under $350,000

$188,000

4 Beds ⋅ 2 Baths ⋅ 971255 MLS ⋅ Shari L Thokey

2 units. Both 2 bedroom 1 bath. The downstairs has a huge living rm nice size Kitchen and bedroom. Upstairs has a small living rm and kitchen 2 lg bedrooms & central air. Both units were remodeled. Downstairs has a newer furnace. The roof is metal. Each tenant pays their own electric. Water bill is built into the rent. Both units are 2 bed 1 bath.

906 Race Drive, Troy

Courtesy of Shari L Thokey and Galbreath REALTORS

$221,900

2 Beds ⋅ 2 Baths ⋅ 970436 MLS ⋅ Danyell DeYoung

This inviting ranch offers comfortable single-level living with a bright living room, large picture window, and an adjoining kitchen and dining area. The kitchen features warm wood cabinetry, generous counter space, and updated countertops, sink, faucet, and a reverse osmosis system. The refrigerator, dishwasher, and stove/cooktop were updated in 2026. Additional improvements include new tile and a new vanity in the primary bathroom, a new washer and dryer, and a water heater installed in 2017. The roof and garage door opener were updated in 2023, and all rooms were freshly painted that same year. An attached garage adds everyday convenience, while the spacious backyard and expansive covered patio provide plenty of room for outdoor dining, entertaining, or simply relaxing. Come see all this home has to offer!

321 Mumford Drive, Troy

Courtesy of Danyell DeYoung and Glasshouse Realty Group

$174,900

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

$174,900

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

$265,000

5 Beds ⋅ 2 Baths ⋅ 969805 MLS ⋅ Sheena Ellison

Great Investment Opportunity – Fully Occupied Multi-Family Property! Investors, take a look at this 5-bedroom, 3-bath, 3,240-square-foot multi-family property offering an excellent opportunity to add a fully occupied income-producing property to your portfolio! The property features three separate units, including two 2-bedroom, 1-bath units and one 1-bedroom, 1-bath unit. With all three units currently occupied by tenants, this property provides immediate rental income and an opportunity for an investor to build long-term cash flow. With a desirable mix of unit sizes, solid overall square footage, and three occupied units, this property offers the potential for continued rental income and future investment growth. Whether you're an experienced investor looking to expand your portfolio or a first-time investor searching for an income-producing property, this multi-family opportunity is worth a look. Property Highlights: 3,240 total square feet 5 bedrooms / 3 bathrooms 3 separate rental units Two 2-bedroom, 1-bath units One 1-bedroom, 1-bath unit All three units currently tenant occupied Income-producing investment property Great opportunity for investors Don't miss the opportunity to own a fully occupied multi-family property with three income-producing units!

107 S Crawford Street, Troy

Courtesy of Sheena Ellison and Garden Gate Realty Inc.

$329,900

4 Beds ⋅ 3 Baths ⋅ 968669 MLS ⋅ Gina Lara

Live upstairs. Earn downstairs. This mixed use property gives you both. Upstairs is a real home, spacious bedrooms, full baths, a jetted tub, vaulted ceilings, and a cute remodeled kitchenette for coffee mornings or late night hangouts. Downstairs is open canvas retail space, zoned B-1. Boutique, studio, office, whatever you want to build. You get your own parking lot out front, rare for this type of spot. A mimosa tree greets you at the door. Attached one car garage plus a detached bonus garage for a second vehicle. Out back is private, fenced, no neighbors behind you. Above ground salt water pool with a custom deck built around it. 3,808 square feet, almost half an acre. Roof was replaced in 2020 and luxury vinyl flooring done in 2024. Not just a property, a great opportunity.

1396 McKaig Avenue, Troy

Courtesy of Gina Lara and Keller Williams Home Town Rlty

$262,900

3 Beds ⋅ 2 Baths ⋅ 968400 MLS ⋅ Matthew Donahey

THIS DUTCH COLONIAL IS CLOSE TO DOWNTOWN, RIVER ACCESS AND THE BIKE TRAIL.THE HOME OFFERS A FORMAL DINING ROOM, EAT- IN KITCHEN WITH ABUNDANT CABINET SPACE & BREAKFAST BAR, 2 FULL BATHS, FULL FINISHED BASEMENT WITH FAMILY ROOM, A UTILITY ROOM WITH FOLDING COUNTER & LAUNDRY TUB. THE YARD IS PERFECT FOR ENTERTAINING WITH THE 27X15 SCREENED PARTY ROOM (NEEDS NEW SCREENING) 32X20 PATIO & BACKYARD FIREPIT ALL ENCLOSED IN A PRIVACY FENCED BACKYARD. THE GARAGE WAS AN OVERSIZED 2 CAR, RECONFIGURED FOR A WORKBENCH & STORAGE. IT CAN EASILY BE MODIFIED BACK FOR ORIGINAL PURPOSE. A HUGE UTILITY SHED IS ALSO IN BACK. THE COVERED FRONT PORCH IS IDEAL FOR SEASONAL DECORATING, RELAXING, OR JUST WATCHING THE WORLD GO BY. THERE'S PLENTY OF VERSATILITY AND CHARM HERE IN THE HEART OF TROY.

1108 E Main Street, Troy

Courtesy of Matthew Donahey and Galbreath REALTORS

$164,900

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

$262,900

4 Beds ⋅ 3 Baths ⋅ 950567 MLS ⋅ Arthur Solomon

AIR BNB POTENTIAL! 1 BEDROOM UNIT WITH PRIVATE KITCHEN AND BATH AND ENTRANCE. MAIN HOUSE HAS 3 BEDROOMS AND 2 BATHS. Welcome to 216 S Short Street in the heart of Troy—a completely remodeled and exceptionally well-designed property offering nearly 2,700 square feet of flexible living space, ideal for multi-generational living or income-producing potential. Previously configured as a duplex, the layout has been thoughtfully arranged to help illustrate the separation of living spaces, offering the option to function as a single-family home or explore a return to a two-unit setup. This home stands out with two true en suites, allowing multiple households to live together while maintaining privacy and independence. The main-level en suite offers approximately 735 square feet and can easily function as a private Airbnb or in-law suite with the addition of a wall or divider. It includes a bedroom, private bath, family room, large eat-in kitchen, and access to the fully fenced backyard. Upstairs, the second en suite serves as a private retreat with a bedroom, attached office or nursery, full bath, and ample storage. The upper level also includes three additional bedrooms and another full bathroom. The home features multiple living and dining areas, 2 remodeled kitchens with granite countertops, stainless sink, dishwasher, and 2 main-level laundry spaces. Enjoy the covered front porch and private backyard space. Extensive updates include new flooring, fresh paint, upgraded windows, vinyl siding, new doors, plumbing and electrical improvements, furnace, central air, and a newer metal roof.

216 S Short Street, Troy

Courtesy of Arthur Solomon and Coldwell Banker Heritage

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