Cambridge Homes under $400,000

Welcome to Cambridge, Minnesota—a charming city that beautifully blends small-town warmth with modern convenience. Nestled in Isanti County, Cambridge is a hidden gem that offers a vibrant community spirit, stunning natural landscapes, and a wealth of amenities. With its rich history and strong sense of community, Cambridge is the perfect place to call home.

The city boasts a variety of parks, trails, and recreational opportunities, making it ideal for families, outdoor enthusiasts, and those who appreciate nature. Enjoy leisurely strolls along the Rum River or explore the scenic trails that wind through the lush greenery. Cambridge is also home to several local shops, restaurants, and cultural attractions, ensuring that residents have access to everything they need for a fulfilling lifestyle.

For homebuyers, Cambridge presents an exceptional opportunity with a range of beautiful homes available for under $400,000. Whether you’re looking for a cozy starter home, a spacious family residence, or a charming bungalow, the real estate market here has something for everyone. With its affordable housing options and welcoming neighborhoods, Cambridge is an ideal destination for first-time buyers, growing families, or anyone seeking a peaceful retreat without sacrificing access to urban amenities.

Join the thriving community of Cambridge, where you can enjoy a high quality of life, friendly neighbors, and the beauty of Minnesota's landscapes—all without breaking the bank. Discover your dream home in this delightful city today!

Newest Cambridge Homes under $400,000

$320,000

3 Beds ⋅ 2 Baths ⋅ 7156439 MLS

Enjoy easy one-level living in this 3-Bedroom, 2-bath home on a spacious.43 acre lot. The bright, open living room and dining area features vaulted wood ceiling and expansive windows that bring in plenty of natural light. The kitchen offers abundant cabinetry and counter space. Fresh paint and new carpet add a refreshed feel, and the large deck is ready for relaxing or entertaining. The partially finished basement includes a rec room, potential extra bedroom or two, bathroom, plus an additional space ready to be finished however you like. Two egress windows are already located in the unfinished area. There is plenty of room to enjoy both inside and out!

2555 Holly Street S, Cambridge

Listing courtesy of LPT Realty, LLC.

$314,900

3 Beds ⋅ 2 Baths ⋅ 7155842 MLS

Stunning renovated home has it all! This stunning home has maintained its original charm and character in addition to having an updated modern kitchen and bathrooms. Home features 3 bedrooms on the main level, newly refinished hardwood floors, fresh carpet, new paint, new roof, large garage, storage shed, fenced yard and so much more!

626 Old Main Street N, Cambridge

Listing courtesy of Trilogy Properties of MN, LLC.

$349,990

2 Beds ⋅ 1 Baths ⋅ 7153838 MLS

Welcome home to this beautiful new construction home on 2.5 Acres! This thoughtfully designed 2-bedroom, 1-bath home offers 1,013 finished square feet of modern comfort and quality craftsmanship. Step inside to an open-concept layout featuring vaulted ceilings that create a bright and spacious feel. The kitchen is finished with stunning granite countertops, perfect for both everyday living and entertaining. Insulated and sheetrocked garage complete with a rough-in for a future heater! This home is ideal for buyers looking for modern finishes, room for outbuildings, and turnkey convenience and a new home warranty!!

34026 Walbo Drive NW, Cambridge

Listing courtesy of Headwater Realty.

$329,900

2 Beds ⋅ 1 Baths ⋅ 7153559 MLS

This beautifully updated two-bedroom home sits on a tranquil four-acre lot with open space, scenic views, a pond, abundant wildlife, and stunning sunrises and sunsets from the deck. Fruit trees bloom in spring and provide a harvest in fall, while the kind, safe community and peaceful outdoor setting create a warm, welcoming atmosphere. Recent updates include a new septic system (September 2022); full remodels of the kitchen, bathroom, pantry, barn loft, and entryway; a new outbuilding converted into a home office; 200-amp electrical service (October 2025); 1-gig fiber internet; a whole-house filter; new LP smart siding (2025); a refreshed furnace; new decking; and an above-ground pool. This property is sure to impress—schedule your showing today!

36858 Lily Street NW, Cambridge

Listing courtesy of Premier Real Estate Services.

$245,000

2 Beds ⋅ 2 Baths ⋅ 7151736 MLS

There’s more to this Cambridge home than meets the eye, with hardwood floors, a screened-in rear patio, and a lower level that adds extra flexibility. The main level features a large front living room with hardwood flooring, two bedrooms, and a practical single-story layout. Downstairs, the partially finished lower level includes additional living space, a kitchenette, and a bathroom with a sauna for a unique at-home amenity. The screened-in rear patio gives you a comfortable place to enjoy the outdoors through multiple seasons, while a storage shed adds useful space for tools and equipment. Conveniently located in Cambridge with easy access to shopping, dining, and everyday necessities, this home offers a functional layout with several appealing extras.

330 10th Avenue SW, Cambridge

Listing courtesy of Kris Lindahl Real Estate.

$394,900

5 Beds ⋅ 3 Baths ⋅ 7152350 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** The right home. The right location. The right stage of life. Finding the right home shouldn’t mean compromising on location or lifestyle. Millside at Cambridge Shores puts you close to everything Cambridge has to offer. Millside is just 1.5 miles from Cambridge’s retail hub for shopping, dining, coffee, gas, medical services, and more. The future Lake Fannie park will also be just a short walk away, featuring a playground, trails, and a beach. With homes for first-time buyers, move-up buyers, and last-time buyers, Millside offers options for every stage of life—all in a location that’s hard to beat. Come find your place at Millside. The 1350 floor plan is a split entry home with a walkout basement. It has finished square feet of 2,404 with a total of 5 bedrooms, 3 bathrooms, and an open concept kitchen, dining, and living room layout. The lower level is finished featuring 2 bedrooms and a large family room that walks out to the backyard. Sod, front yard landscaping and irrigation included in price. ***Be sure to ask about our Flex Cash programs for buyers that work with our preferred lender and preferred title company.***

1923 Pierce Street S, Cambridge

Listing courtesy of NextHome West Metro.

$389,900

4 Beds ⋅ 3 Baths ⋅ 7152347 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 15, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** The right home. The right location. The right stage of life. Finding the right home shouldn’t mean compromising on location or lifestyle. Millside at Cambridge Shores puts you close to everything Cambridge has to offer. Millside is just 1.5 miles from Cambridge’s retail hub for shopping, dining, coffee, gas, medical services, and more. The future Lake Fannie park will also be just a short walk away, featuring a playground, trails, and a beach. With homes for first-time buyers, move-up buyers, and last-time buyers, Millside offers options for every stage of life—all in a location that’s hard to beat. Come find your place at Millside. The 1544 floor plan is a three level home with a lookout basement. It has finished square feet of 2,003 with a total of 4 bedrooms, 3 bathrooms, and an open concept kitchen, dining, and living room layout. The lower level is finished featuring a bedroom, family room and the 3rd bathroom. Sod, front yard landscaping and irrigation included in price. ***Be sure to ask about our Flex Cash programs for buyers that work with our preferred lender and preferred title company.***

1927 Pierce Street S, Cambridge

Listing courtesy of NextHome West Metro.

$329,900

2 Beds ⋅ 1 Baths ⋅ 7152345 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** The right home. The right location. The right stage of life. Finding the right home shouldn’t mean compromising on location or lifestyle. Millside at Cambridge Shores puts you close to everything Cambridge has to offer. Millside is just 1.5 miles from Cambridge’s retail hub for shopping, dining, coffee, gas, medical services, and more. The future Lake Fannie park will also be just a short walk away, featuring a playground, trails, and a beach. With homes for first-time buyers, move-up buyers, and last-time buyers, Millside offers options for every stage of life—all in a location that’s hard to beat. Come find your place at Millside. The 1243 floor plan is a split entry home with a lookout basement. It has finished square feet of 1243 with 2 bedrooms, 1 full bathroom with primary walk thru, and an open concept kitchen, dining, and living room layout with vaulted ceiling. The lower level lookout offer space to add your personal touches with the possibility for another bedroom, a family room, and another bathroom. Sod, front yard landscaping and irrigation included in price. ***Be sure to ask about our Flex Cash programs for buyers that work with our preferred lender and preferred title company.***

1827 Pierce Street S, Cambridge

Listing courtesy of NextHome West Metro.

$349,900

3 Beds ⋅ 2 Baths ⋅ 7152340 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** The right home. The right location. The right stage of life. Finding the right home shouldn’t mean compromising on location or lifestyle. Millside at Cambridge Shores puts you close to everything Cambridge has to offer. Millside is just 1.5 miles from Cambridge’s retail hub for shopping, dining, coffee, gas, medical services, and more. The future Lake Fannie park will also be just a short walk away, featuring a playground, trails, and a beach. With homes for first-time buyers, move-up buyers, and last-time buyers, Millside offers options for every stage of life—all in a location that’s hard to beat. Come find your place at Millside. The 1544 floor plan is a split entry home with a lookout basement. It has finished square feet of 1,544 with 3 bedrooms, 2 bathrooms, and an open concept kitchen, dining, and living room layout. The lower level lookout offers space to add your personal touches with the possibility for another bedroom, a family room, and another bathroom. Sod, front yard landscaping and irrigation included in price. ***Be sure to ask about our Flex Cash programs for buyers that work with our preferred lender and preferred title company.***

1821 Pierce Street S, Cambridge

Listing courtesy of NextHome West Metro.

$339,900

3 Beds ⋅ 2 Baths ⋅ 7152337 MLS

The right home. The right location. The right stage of life. Finding the right home shouldn’t mean compromising on location or lifestyle. Millside at Cambridge Shores puts you close to everything Cambridge has to offer. Millside is just 1.5 miles from Cambridge’s retail hub for shopping, dining, coffee, gas, medical services, and more. The future Lake Fannie park will also be just a short walk away, featuring a playground, trails, and a beach. With homes for first-time buyers, move-up buyers, and last-time buyers, Millside offers options for every stage of life—all in a location that’s hard to beat. Come find your place at Millside. The 1393 floor plan is a split entry home with a walkout lower level. It has finished square feet of 1,393 with 3 bedrooms, 2 bathrooms, and an open concept kitchen, dining, and living room layout. The lower level offers space to add your personal touches with the possibility for another bedroom, a family room, and another bathroom. Sod, front yard landscaping and irrigation included in price. ****ASK ABOUT OUR LIMITED-TIME BUYER INCENTIVES****

1815 Pierce Street S, Cambridge

Listing courtesy of NextHome West Metro.

$339,900

3 Beds ⋅ 3 Baths ⋅ 7152332 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** The right home. The right location. The right stage of life. Finding the right home shouldn’t mean compromising on location or lifestyle. Millside at Cambridge Shores puts you close to everything Cambridge has to offer. Millside is just 1.5 miles from Cambridge’s retail hub for shopping, dining, coffee, gas, medical services, and more. The future Lake Fannie park will also be just a short walk away, featuring a playground, trails, and a beach. With homes for first-time buyers, move-up buyers, and last-time buyers, Millside offers options for every stage of life—all in a location that’s hard to beat. Come find your place at Millside. The 1689 floor plan is a two-story home. It has finished square feet of 1,689 with 3 bedrooms, 2 bathrooms, and an open concept kitchen, dining, and living room layout. The 1689 offers two entrances to the home; the street in front or the garage in the rear with a large patio along side the garage. Sod, front yard landscaping and irrigation included in price. ***Be sure to ask about our Flex Cash programs for buyers that work with our preferred lender and preferred title company.***

1800 Pioneer Trail SE, Cambridge

Listing courtesy of NextHome West Metro.

$364,900

3 Beds ⋅ 2 Baths ⋅ 7152321 MLS

****LIMITED-TIME BUYER INCENTIVE! Receive a 3% Builder Incentive PLUS an additional 1% Lender Credit—for up to 4% in total incentives! Available on homes with a signed purchase agreement by September 30, 2026 and closing by October 31, 2026. Preferred lender and title company required.**** The right home. The right location. The right stage of life. Finding a new home that fits your life shouldn’t mean compromising on location, quality, or convenience. Millside at Cambridge Shores gives you the opportunity to have it all in one of Cambridge’s most desirable locations. Located between Opportunity Boulevard and Lake Fannie, Millside puts you just 1.5 miles from Cambridge’s retail hub, giving you easy access to shopping, dining, coffee, gas, medical services, and more. You’ll also be just a short walk from the future city park on Lake Fannie, with a playground, walking trails, and a beach. And because life changes, your home should be able to change with it. Millside will offer homes for first-time buyers, growing families ready to move up, and last-time buyers looking to simplify—all within a thoughtfully planned community. Whether you're buying your first home, looking for more space, or ready to make your next move your last, Millside puts you close to the things you need and the lifestyle you want. Come find your place at Millside at Cambridge Shores. The 1544 floor plan is a split entry home with a lookout basement. It has finished square feet of 1,544 with 3 bedrooms, 2 bathrooms, and an open concept kitchen, dining, and living room layout. The lower level lookout offers space to add your personal touches with the possibility for another bedroom, a family room, and another bathroom. Sod, front yard landscaping and irrigation included in price. ***Be sure to ask about our Flex Cash programs for buyers that work with our preferred lender and preferred title company.***

1926 Pierce Street S, Cambridge

Listing courtesy of NextHome West Metro.

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