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Stuart FL Homes for Sale Under $400K

Stuart, FL Homes for Sale Under $400,000

Single-family homes under $400,000 are the hardest thing to find in Stuart. They made up only about 1 in 7 Stuart house sales over the last three years, and only a small number are for sale at any one time. Most are older concrete-block homes with no HOA in south Stuart and Port Salerno. Buyers who are pre-approved and ready to move usually get them.

The live listings on this page show Stuart houses listed under $400,000 and update automatically from the MLS.

What Stuart Homes Under $400K Look Like

Share of house sales About 1 in 7 Stuart house sales (MLS, last 3 years)
Age Mostly built in the 1960s to 1980s
Bedrooms Mostly 3 bedrooms; about 4 in 10 had 2
HOA About 3 in 4 had no HOA
Septic About 4 in 10 listings mentioned septic
Where About 3 in 4 in zip 34997
How buyers paid About 4 in 10 conventional, about 1 in 3 cash, about 1 in 5 FHA

Where to Look

The most active neighborhoods at this price were older, no-HOA streets in south Stuart and Port Salerno.

Thinking about buying or selling a Stuart home under $400K?

Homes at this price go fast. Get pre-approved and on our alert list.

RE/MAX - local Stuart and Treasure Coast specialists

What to Check at This Price

Item Why it matters
Roof and insurance Older roofs can make insurance hard to get. Ask the roof age and get a quote during your inspection period.
Septic or sewer Many homes at this price are on septic. Ask the age and condition of the system.
4-point and wind mitigation Insurers usually ask for these on older homes, and a good report can lower your premium.
FHA and VA About 1 in 5 buyers at this price used FHA. The home has to meet FHA condition standards, so check for repairs early.

AL is both a Florida real estate broker associate with RE/MAX and a licensed mortgage loan officer (NMLS #1883073). He can pre-approve you for conventional, FHA or VA loans and tell you which older homes will pass an appraisal. Call (772) 359-1926.

Also see: Stuart homes with no HOA, Stuart homes $400K to $500K and Stuart condos under $200K.

FAQs

Are there houses for sale in Stuart under $400,000?

Yes, but not many. Houses under $400,000 were about 1 in 7 Stuart house sales over the last three years, and only a handful are listed at any time. See the live listings on this page.

Where are the cheapest houses in Stuart, FL?

Most Stuart houses under $400,000 sold in older neighborhoods in south Stuart and Port Salerno, including Dixie Park, Coral Gardens, Hibiscus Park and Palm Lake Park.

Can I use an FHA loan on a Stuart home under $400K?

Yes. About 1 in 5 buyers at this price used FHA. The home must meet FHA condition rules, so older homes need a close look.

Do Stuart homes under $400K have an HOA?

Most do not. About 3 in 4 Stuart houses sold under $400,000 had no HOA.

Thinking about buying or selling a Stuart home under $400K?

Get new listings as soon as they hit the market, plus financing answers from one local team.

RE/MAX - local Stuart and Treasure Coast specialists

We do not post static sold prices on this page because they go out of date quickly. For recent sales on a particular street, call us.