Monticello Homes under $250,000

Monticello Homes under $250,000

Welcome to Monticello, Kentucky, a hidden gem nestled in the heart of Wayne County. Known for its picturesque landscapes and warm community spirit, Monticello offers a perfect blend of small-town charm and modern conveniences. With its rich history and stunning natural surroundings, this delightful city is an ideal place to call home.

Monticello is surrounded by the serene beauty of Lake Cumberland, making it a haven for outdoor enthusiasts. Whether you enjoy fishing, boating, or simply soaking in nature’s tranquility, this area has something for everyone. The friendly locals and vibrant community events create an inviting atmosphere that makes newcomers feel right at home.

For those looking to settle down in Monticello, you'll be pleased to discover a variety of homes available for under $250,000. This affordable housing market opens doors for first-time buyers, families, and retirees alike, ensuring that you can find a cozy abode without breaking the bank. From charming single-family homes to spacious townhouses, there’s a diverse selection that caters to different lifestyles and preferences.

In addition to its affordability, Monticello boasts excellent schools, convenient shopping options, and a range of recreational activities. With its strong sense of community and beautiful surroundings, it’s no wonder that so many people are choosing to make Monticello their home. Explore the possibilities today and discover why Monticello, KY, is the perfect place for your next chapter!

Newest Monticello Homes under $250,000

65 Lockett St, Monticello
$199,000
3 Beds ⋅ 2 Baths ⋅ 26027143 MLS
Welcome to 65 Lockett Street in Monticello. You will find a spacious home that has been well maintained. 3 nice size bedrooms, 1.5 baths, living room, family room, kitchen, dining, bonus room, and utility room. Property also offers a covered car port, storage building, back patio, front porch area and a nice lot that is close to medical, shopping, schools, etc. This must see home is waiting on its next owner, so call today for your tour of this home !!

65 Lockett St, Monticello
338 Harper Dr, Monticello
$229,000
3 Beds ⋅ 2 Baths ⋅ 26025701 MLS
Nestled at the top of the hill in town, 338 Harper Drive is being offered under appraisal value. The home offers privacy, panoramic views, and exceptional flexibility. This move-in ready home features 3 spacious bedrooms and 2 full bathrooms, complemented by an open kitchen complete with elegant granite countertops and modern stainless steel appliances. Situated across 3 expansive lots, the property provides abundant outdoor space and parking for boats, RVs, or recreational vehicles. A standout feature is the 24' x 25' detached garage, offering ideal space for a workshop, vehicle storage, or hobby studio. Conveniently located near town amenities while maintaining a private setting, this home is a must-see property.

338 Harper Dr, Monticello
172 Boston Hill Rd Rd, Monticello
$159,000
3 Beds ⋅ 2 Baths ⋅ 26025517 MLS
Welcome to this immaculate 3-bedroom, 2-bathroom manufactured home nestled in the desirable Steubenville area, just minutes from downtown Monticello. Key Highlights & Upgrades: Structural Stability: Fully retrofitted onto a solid, permanent block foundation. Exterior Improvements: Brand-new siding and gutters offer clean curb appeal and low-maintenance upkeep. Outdoor Living: Enjoy morning coffee or evening relaxation on the newly added front and back decks, surrounded by fresh, thoughtful landscaping. Layout: Generous 3-bedroom, 2-bath split floor plan featuring open living spaces, ideal for both everyday comfort and entertaining. Prime Location: Peaceful country feel with the convenience of being just minutes from local shopping, dining, and main routes in Monticello. Perfect as a primary residence, starter home, or investment opportunity. Schedule your tour today!

172 Boston Hill Rd Rd, Monticello
1185 Furnace Mountain Rd Rd, Monticello
$155,000
3 Beds ⋅ 2 Baths ⋅ 26025482 MLS
Escape to your own private 4.8-acre wooded retreat, just minutes from downtown Monticello. Bordering scenic Beaver Creek, this beautifully maintained 3-bedroom, 2-bathroom residence offers the perfect blend of peaceful country living and everyday convenience. Property Highlights & Exterior: 4.8 Wooded Acres: Unwind in ultimate privacy with direct Beaver Creek border access right in your backyard. Ultimate Detached Garage/Shop: A massive 30x30 fully insulated garage featuring a solid concrete floor, full electric, dedicated heat, and 2 automatic overhead doors—ideal for hobbyists, mechanics, or extra storage. Outdoor Living: Take in the peaceful nature views from the 10x20 screened-in porch, perfect for morning coffee or relaxing evenings. Recent Upgrades & Key Features: Upgraded, long-lasting metal roof High-efficiency heat pump system Updated gutters featuring low-maintenance leaf guards Washer and dryer included Move-in ready with high-value improvements already done for you. Schedule your private tour today to experience this rare creekside sanctuary!

1185 Furnace Mountain Rd Rd, Monticello
244 Walnut St, Monticello
$174,900
3 Beds ⋅ 2 Baths ⋅ 26025005 MLS
Downtown Monticello, a large yard, and new flooring already in. 244 Walnut Street sits close to everything Monticello has to offer. It is a 3 bedroom, 2 bath ranch built in 1960 on 0.55 acres, with 1,492 square feet on one level. Luxury vinyl and wood flooring run throughout, and the primary bedroom includes its own walk in closet and large primary bath. French doors separate the living room and kitchen areas. The kitchen has been updated with rustic countertops. Heat runs on baseboard, with oil heat installed but untested. A covered front porch runs the width of the house, and two outbuildings sit on the large yard. Tasteful updates ready for it's new owner!

244 Walnut St, Monticello
16202 16202 State Highway 200, Monticello
$140,000
4 Beds ⋅ 1 Baths ⋅ 26024309 MLS
Sweet rural setting on 1.4 acres m/l. This charming 1960s home offers 4 beds and 1 bath and features several updates including a new roof, electric fireplace, new porch railing, new water heater, and the seller will be installing a mini-split system for heating and cooling. Enjoy the outdoors while sitting on the covered front porch or the front patio. The property offers space for a future garage, plenty of parking, a storage building with cellar, and a nice yard. The property is located 30 minutes from Jamestown TN, Albany or Monticello KY and a short drive to both Dale Hollow Lake and Lake Cumberland, as well as the Alvin C York State Historic Park.

16202 16202 State Highway 200, Monticello
198 Lockett St, Monticello
$234,900
3 Beds ⋅ 3 Baths ⋅ 26023864 MLS
Brick ranch with a basement! Located in the favored Harrison Addition, this spacious 3 bedroom, 2.5 bath home offers approximately 3,600 square feet including the basement, all conveniently located in the middle of town. Inside, you'll find plenty of room to spread out with generous living spaces, a den, and a basement offering even more possibilities. The home features central heat and air along with two additional propane radiant heaters, one in the den and another in the basement. Outside, you'll find a fenced in backyard, concrete driveway, and a 2 car attached garage. Space, location, and a great neighborhood all come together in this one. Schedule your showing today!

198 Lockett St, Monticello
4927 Ky-92, Monticello
$245,000
3 Beds ⋅ 2 Baths ⋅ 26023768 MLS
First Time on the Market! This one owner home has been very well maintained and cared for over the years. Situated on a spacious 1.72 acre lot, this property offers 3 bedrooms and 2 full baths, along with new windows, beautiful hardwood floors and carpet throughout. Enjoy relaxing on the covered front porch or covered back patio while taking in the peaceful surroundings. The full unfinished basement provides plenty of additional storage and potential for future use. The property has city water and a septic system and has been surveyed. A 28 x 50 detached shop with concrete floor and electric provides an excellent space for a workshop, hobbies, storage, or other needs. Don't miss your opportunity to make this property your own!

4927 Ky-92, Monticello
16 Country Hl, Monticello
$225,000
3 Beds ⋅ 2 Baths ⋅ 26023455 MLS
**First time ever on the market!** This custom-built home offers wonderful space, character, and a convenient in-town location! Featuring 3 bedrooms and 2 full baths, the home welcomes you with an impressive living room boasting soaring ceilings and a beautiful stone fireplace that serves as the centerpiece of the space. The large eat-in kitchen provides plenty of room for cooking, dining, and gathering, while the oversized laundry room offers additional convenience and storage. Step outside and enjoy the screened-in porch—perfect for relaxing or entertaining throughout the seasons. The property also includes a detached outbuilding, providing extra storage or workspace. Situated on a desirable corner lot within the city limits, you'll love being just minutes from shopping, dining, schools, and everyday conveniences. This well-built home could use a little TLC and updating to truly make it shine, but it has great bones, tons of potential, and is **priced to sell!** Don't miss the opportunity to make this one your own!

16 Country Hl, Monticello
88 Adair St, Monticello
$145,000
4 Beds ⋅ 1 Baths ⋅ 26022479 MLS
Charming and affordable brick ranch is located at 88 Adair Street, in the convenient Green Acres Subdivision, near the Wayne County School Campus, shopping, and medical facilities. This home is all on one level with features that include: 4 Bedrooms, 1 Full Bath, spacious Living Room, Eat-in Kitchen with Pantry, Laundry Area, and an attached 1-car carport with utility room for added storage. The roof was replaced in July 2026, and the water heater is only a few years old. The property is situated on an extra lot that totals a 0.34-acre tract, has a large back and side yard, a paved driveway, and a storage building. Schedule your own private showing today!

88 Adair St, Monticello
403 Ridgewood Ave, Monticello
$55,000
26022210 MLS
Investors special! This property is an excellent opportunity to add to your rental portfolio or take on as your next investment project. The home features a brand-new roof installed in 2026, providing a major improvement already completed. The current owners have removed all the old fixtures and cleared the way for a fresh start! Bring your vision and tools to transform this 2 bedroom, 1 full-bath home into a great rental property or starter home.

403 Ridgewood Ave, Monticello
517 Kelsey Rd, Monticello
$73,900
3 Beds ⋅ 1 Baths ⋅ 26021338 MLS
BACK ON THE MARKET — DUE TO NO FAULT OF THE PROPERTY! Cash or conventional financing only. Inspections welcome. Don't miss the opportunity to make this quaint and cozy rural property your own! This charming 3-bedroom, 1-bathroom home offers a peaceful country setting where you can slow down, relax, and enjoy a simpler pace of life. Property Features 3 bedrooms / 1 bathroom Two covered porches — perfect for enjoying your morning coffee or relaxing in the evening Storage shed for tools, equipment, or extra storage 30-amp RV hookup for your camper or RV Quiet country setting with a peaceful, laid-back atmosphere Convenient to the Water Love spending time on the lake? Carter Dock is approximately 9 minutes away, while Dale Hollow Wolf Creek Marina, Conley Bottom Resort and Beaver Creek Marina are also approximately 25 minutes away, making this a great spot for enjoying boating, fishing, and relaxing by the water and able to visit several marinas. Whether you're looking for a peaceful full-time residence, a weekend getaway, or a place to enjoy the outdoors, this little piece of country paradise is worth a look! Come see if this cozy little property is the place you've been looking for!

517 Kelsey Rd, Monticello
Start Your Search