Clay County Homes under $400,000

Welcome to Clay County, Minnesota – a hidden gem in the heart of the Midwest! Known for its picturesque landscapes, friendly communities, and a rich tapestry of history, Clay County is a wonderful place to call home. Nestled just south of the Red River, this county offers a delightful blend of rural charm and urban convenience, making it an ideal location for families, young professionals, and retirees alike.

One of the most appealing aspects of Clay County is the affordability of its housing market. With homes available for under $400,000, it’s a fantastic opportunity for first-time buyers or those looking to downsize without compromising on quality. You’ll find a diverse range of properties, from cozy single-family homes to modern townhouses, all boasting unique characteristics that reflect the warmth of the community.

The county is not only about beautiful homes; it’s also about a vibrant lifestyle. Residents enjoy access to numerous parks, walking trails, and recreational activities, ensuring that outdoor enthusiasts will always have something to do. The local schools are highly regarded, and the community spirit is palpable, with events and gatherings that bring neighbors together.

Whether you’re drawn to the serene countryside or the bustling activities of nearby Fargo-Moorhead, Clay County has it all. With its affordable housing options and welcoming atmosphere, now is the perfect time to discover what makes this area so special. Come explore Clay County and find your dream home today!

Newest Clay County Homes under $400,000

$154,900

2 Beds ⋅ 2 Baths ⋅ 7159070 MLS

Small town living 3 bedroom 1 bath with character

116 3rd Street NE, Barnesville

Listing courtesy of Century 21 FM Realty.

$377,900

4 Beds ⋅ 3 Baths ⋅ 7158588 MLS

Beautifully maintained, one-owner bi-level on a spacious corner lot in South Moorhead. Nearly 2,500 square feet with 4 bedrooms & three baths. Large windows bring in tons of natural light. The spacious primary suite offers a private bathroom and walk-in closet. Expansive lower-level family room provides plenty of space for relaxing or entertaining. Enjoy the maintenance free and landscaped yard. Oversized 3-stall garage includes newer insulated doors, sheetrocked walls, attic storage, gas heater rough-in, 220 V outlet rough-in, and stairs to the lower level laundry. New shingles, newer furnace, and newer central air. Close to schools, parks, golf courses, grocery stores, and shopping. Move-in ready, conveniently located, and exceptionally cared for! Agent related.

3001 9th Avenue S, Moorhead

Listing courtesy of Town & Country Realty.

$345,000

3 Beds ⋅ 2 Baths ⋅ 7157195 MLS

Sought-after slab-on-grade twin home in South Moorhead! You'll love the great design of this 3-bedroom, 2-bath home. Features include a custom kitchen with island, spacious primary bedroom with a step-in tub/shower & Jack-and-Jill bath, heated garage, patio & underground fence for your furry friend. Enjoy comfortable, one-level living in a lovely neighborhood & great neighbors. Call today so you don't miss out.

3527 23rd Avenue S, Moorhead

Listing courtesy of Better Homes and Gardens Real Estate Park Company.

$257,500

3 Beds ⋅ 2 Baths ⋅ 7158088 MLS

Marvelous In Moorhead. With unique qualities in a highly sought after area, this charming rambler blends community with comfort. Tailored to those looking to get the most from their investment, this unparalleled property is centrally located within blocks of businesses, restaurants, and schools. Take pleasure with a spacious space, abundance of mature trees, and meticulous lawn with lush landscaping of perennial plants. This large lot is ideal for grilling on the built-in Blackstone, entertaining on the wrap-around private patio and deck, and soaking up sun. Enjoy entering the enormous sanctuary from a new front porch to be welcomed by cozy archways with warm wooden walls and freshly painted rooms. You will be immediately drawn to the abundance of natural light that dances through exposed windows and flows into the two-level living space. This home combines modern and classic. From its kitchen cabinetry to beautiful bathrooms and boozy bar in the basement, you’ll never want to leave this homey haven. Call your favorite real estate agent to see it for yourself!

424 15th Street S, Moorhead

Listing courtesy of Berkshire Hathaway HomeServices Premier Properties.

$374,200

3 Beds ⋅ 3 Baths ⋅ 7151571 MLS

Meticulously maintained home offering 3 spacious bedrooms, 3 full baths, and quality craftsmanship throughout! Move-in ready with new shingles (2026), new dishwasher, washer, and dryer (2026), fresh interior paint (2026), new plush carpeting on the main floor and upper level (2025), and new blinds throughout (2023) for a clean, modern feel. Solid-core doors throughout provide durability, privacy, and improved noise reduction. The heated and finished 3-stall garage is an exceptional feature, offering ample space for vehicles, workshop projects, and additional storage. Thoughtfully upgraded with hot and cold water, a ceiling fan, new gas furnace, high-grade garage doors, and a fully finished interior. A newer multi-directional drainage system for the sump pump provides additional peace of mind. Additional updates include a ceiling fan in the primary bedroom, bathroom fan timers in all three bathrooms, and mirror tint on three windows. Enjoy a spacious lot with plenty of room for outdoor activities, along with an underground sprinkler system to help maintain a lush lawn with minimal effort. Pride of ownership is evident throughout this exceptionally well-kept home. Extensive thoughtful improvements, exceptional garage amenities, and a long list of updates make this home truly turnkey and ready to enjoy!

3556 17th Street S, Moorhead

Listing courtesy of James Patrick Real Estate.

$385,000

4 Beds ⋅ 2 Baths ⋅ 7157577 MLS

WELCOME HOME TO A FRESH NEW FEEL! Beautifully refreshed and ready to impress, this spacious 4-bedroom, 2-bath home delivers the perfect combination of style, comfort and flexibility—with 2,558 finished square feet and a finished 3-stall garage on a desirable corner lot. From the moment you step inside, you'll notice the difference. New laminate flooring welcomes you in the front foyer, new carpet runs along the stairs, and the entire lower level features new flooring and pad, creating a beautifully refreshed look and a clean, like-new feel throughout. The main level is designed for easy everyday living and effortless entertaining, featuring an inviting living room that flows into the open kitchen and dining area. The kitchen showcases granite countertops, a center island, and abundant cabinetry, creating a space that's as functional as it is welcoming. The private primary suite offers a walk-in closet and convenient access to the full bath, while the spacious second bedroom also features its own walk-in closet. Downstairs is where the possibilities really open up. The expansive family room offers room to gather, relax, entertain or create the space you've always wanted, while two additional bedrooms, a full bath and laundry provide excellent flexibility for guests and family. And then there's the outdoor space! Enjoy summer evenings on the maintenance-free composite deck with awning, gather around the patio and firepit, or take advantage of the turf area designed for pool use. A sandbox and play area tucked beneath the deck add even more fun and functionality for the family. Add in the 3-stall finished and insulated garage, corner lot, fantastic Moorhead location and close proximity to parks, schools, golf and everyday conveniences, and you've got a home that's easy to fall in love with. Fresh flooring. Flexible spaces. Fantastic location. This one is ready for its next chapter—and it could be yours.

3053 38th Avenue S, Moorhead

Listing courtesy of REALTY XPERTS.

$149,000

2 Beds ⋅ 2 Baths ⋅ 7156763 MLS

Opportunity in North Moorhead! This 1½-story home offers an affordable opportunity to own near Moorhead’s revitalized district, with shopping, restaurants, bars, and other amenities within walking distance. The home has plenty of character and is ready for a new owner to bring their ideas and updates. Several important improvements have already been completed, including a new furnace, newer water heater, and newer shingles, providing a great starting point for future renovations. Accessibility is another standout feature, with an aluminum ramp providing easy access to the front entry. While there is currently no garage, the property offers space to build one, allowing a future owner to add additional parking, storage, or workspace. A storage shed is already included for lawn equipment, bikes, and other belongings. Bring your ideas and take advantage of all that this growing North Moorhead neighborhood has to offer!

1010 2nd Avenue N, Moorhead

Listing courtesy of eXp Realty (3788 FGO).

$127,000

4 Beds ⋅ 2 Baths ⋅ 7155833 MLS

Built in 1880, this charming 4-bedroom, 2-bathroom home in Barnesville is full of character and possibilities! Hardwood floors, detailed woodwork, and an electric fireplace add warmth and personality to the main living spaces. The main floor features a spacious kitchen, one bedroom, main-floor laundry, and an enclosed front porch. Upstairs, you'll find three additional bedrooms and plenty of opportunities to add your personal touch. All appliances are six years old or newer and new ceiling fans have been installed throughout. Outside, enjoy a spacious, tree-lined yard and a detached two-stall garage with extra room for storage, hobbies, or projects. With its historic charm and potential, this home is ready for its next chapter!

523 FRONT Street N, Barnesville

Listing courtesy of Trilogy Real Estate.

$284,900

2 Beds ⋅ 2 Baths ⋅ 7155902 MLS

This is a Move-in Ready remarkable townhome for anyone over 55. One level home with private entrance and attached garage. 2- bedroom and 2-bath. No steps and accessible Step in Master Bath Shower, Laundry is off the kitchen and serves as mudroom to 2-Car Heated Garage. The sunroom has French doors to the Dining Room and or private patio out the back. The living room has vaulted ceilings and a gas fireplace. mo association fee of $200 includes lawncare, snow removal, Exterior Building Insurance,

1473 Belsly Boulevard, Moorhead

Listing courtesy of RE/MAX Legacy Realty.

$290,000

7 Beds ⋅ 4 Baths ⋅ 7155257 MLS

Great investment opportunity! Enjoy the potential of multiple income producing units under one roof. This occupied 4-plex offers lucrative income potential. Whether you're experienced in real estate investing or a first-time investor, this 4-plex is a promising addition to your portfolio. Includes on site laundry, as well as four extra storage closets in the halls for each of the tenants convenience. Some updates include two units with new flooring and the other two units were replaced within the last 5 years. Newer water heater (replaced in 2022) and newer windows in the lower units.

204 4th Street NW, Dilworth

Listing courtesy of Beyond Realty.

$325,900

4 Beds ⋅ 2 Baths ⋅ 7155883 MLS

We invite you to tour this beautifully finished 4-bedroom, 2-bath bi-level home in a convenient Moorhead location! Step inside to a bright, open layout featuring vaulted ceilings, recessed lighting and stylish modern fixtures throughout. The kitchen is designed for both everyday living and entertaining with a center island, large pantry, tile backsplash, under-cabinet lighting and sleek matte black hardware. The spacious primary bedroom features a walk-in closet, while ceiling fans in the upper-level bedrooms add extra comfort. Downstairs, the inviting family room is highlighted by a custom built-in, creating the perfect space to relax, entertain or gather for movie night. Thoughtful finishes continue throughout the home, including tile accents in the front entry and bathrooms. Outside, enjoy the beautifully landscaped yard from the 15’6” x 12’ deck, surrounded by established hostas, lilies and ornamental grasses. A small garden tucked into the southeast corner of the backyard is ready for your favorite vegetables, herbs or flowers. Complete with a 2-stall garage and a location close to schools, parks, shopping and everyday conveniences, this home offers the perfect combination of style, functionality and location. Move right in and enjoy!

4538 17th Street S, Moorhead

Listing courtesy of RE/MAX Legacy Realty.

$327,200

3 Beds ⋅ 2 Baths ⋅ 7154298 MLS

Parade of Homes Special! Buyers can choose 2 of 3 incentives: $10K toward a rate buydown, $10K toward eligible closing costs, or $20K toward design upgrades. Choose two and save up to $30,000—offer ends 10/15!! Welcome home to this stunning modern Abberley 3-level floorplan in desirable Moorhead! This stunning 3 bedrooms , 2 bathrooms and 2 stall attached garage single-family home is FULLY COMPLETED and MOVE-IN READY! Welcoming foyer leads to a BRIGHT OPEN layout with HIGH CEILINGS and LARGE WINDOWS for abundant natural light. You will love the spacious living room, dining area, and functional, stylish kitchen had stone throughout, a center island with pendant lights, a PANTRY, and ample cabinetry. Upstairs features a spacious PRIMARY SUITE with walk-in closet, second bedroom, HOLLYWOOD-STYLE full bath with DUAL VANITY, and convenient laundry. Lower level offers a cozy family room, 3rd bedroom , 2nd full bath, and storage. 2-YEAR TAX ABATEMENT (buyer to verify with City). New construction means ENERGY EFFICIENCY and LOW MAINTENANCE. Make this your home today!

2516 38th Avenue S, Moorhead

Listing courtesy of Herd Realty LLP.

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