Chippewa County Homes under $400,000

**Discover the Charm of Chippewa County: Affordable Homes Await!**

Nestled in the heart of the Midwest, Chippewa County is a hidden gem that beautifully marries small-town charm with modern conveniences. Known for its picturesque landscapes, friendly communities, and rich history, this county is the perfect place for families, retirees, and first-time homebuyers alike. With an array of outdoor activities, including hiking, fishing, and seasonal festivals, Chippewa County offers a vibrant lifestyle that celebrates both nature and community.

One of the most appealing aspects of Chippewa County is its housing market, particularly for those seeking homes under $400,000. Here, prospective buyers will find a diverse selection of properties that cater to various tastes and needs. From cozy single-family homes nestled in serene neighborhoods to charming townhouses with modern amenities, the options are plentiful. Many of these homes boast spacious yards, ideal for gatherings and outdoor fun, as well as proximity to excellent schools and local parks.

The affordability of homes in Chippewa County makes it an attractive option for those looking to invest in real estate without breaking the bank. With properties often featuring updated interiors and energy-efficient designs, buyers can enjoy a comfortable lifestyle while keeping their budget intact.

Whether you’re drawn to the allure of Chippewa’s natural beauty or the warmth of its welcoming community, now is the perfect time to explore the affordable housing options available. Dive into the market and discover your dream home in Chippewa County today!

Newest Chippewa County Homes under $400,000

$85,000

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7157016 MLS ⋅ 1,400 SqFt.

This fixer-upper is ready for someone with a vision to bring it back to life. Inside, high ceilings add character and make the home feel spacious, while the layout offers plenty of potential for updates and personalization. A detached one-car garage provides additional storage and off-street parking. Whether you're an investor looking for your next project or a buyer ready to build some sweat equity, this affordable property is a great opportunity to make it your own. Bring your ideas and see the possibilities!

622 S 9th Street, Montevideo

Listing courtesy of Real Broker, LLC.

$165,000

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7156987 MLS ⋅ 851 SqFt.

Looking for a move-in-ready home!? This 3-bedroom home has been updated with all-new flooring, cabinets, countertops, appliances, sinks, and lighting. With a full kitchen and bathroom remodel, this house truly feels updated, fresh, and ready for you to call it yours. Newer windows and doors. All the way down to the new door handles! Outside, you have a detached oversized single-stall garage, as well as a 12x10 storage shed with a ramp and overhead door. If you are looking for a single-story, cozy home, you must check this one out!

620 S 10th Street, Montevideo

Listing courtesy of Weichert REALTORS Tower Properties.

$245,000

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7155532 MLS ⋅ 2,168 SqFt.

Welcome to Orchard Circle, where rustic curb appeal meets fresh, modern comfort. This inviting one-story ranch offers more than 2,200 square feet of finished living space, with a flexible layout designed for everyday living, entertaining, and relaxing. The spacious living room is anchored by a striking stone-clad wood-burning fireplace and flows seamlessly into the dining area, where a patio door opens to the deck. The updated kitchen features coordinating stainless-steel appliances, ample cabinetry, and a warm, welcoming feel. The main level also includes three bedrooms and a generously sized, updated full bathroom. Downstairs, you’ll find a comfortable family room, two nonconforming bedrooms, a three-quarter bathroom, and a large laundry and utility area with excellent storage. Modern flooring, paint, lighting, and doors give the home a move-in-ready finish throughout. Recent improvements include new asphalt shingles in 2026, a newer central air-conditioning unit, and appliances replaced within the past three years. The insulated, heated two-car attached garage adds year-round convenience, while extra concrete driveway parking provides space for additional vehicles or outdoor gear. Out back, enjoy a private, tranquil setting that is perfect for grilling, gathering, or unwinding. Conveniently located just blocks from the middle school, high school, several churches, and the new VA facility, this home brings comfort and convenience together. Schedule your showing today!

112 Orchard Circle, Montevideo

Listing courtesy of Weichert REALTORS Tower Properties.

$149,900

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7155567 MLS ⋅ 1,310 SqFt.

Situated on a large corner lot, this American Four-Square Home which has recently received a beautiful renovation on its exterior with new siding, new shingles, as well as several important operational updates. A new electrical circuit breaker panel has been installed, and a new natural gas furnace installed. The home's main floor is ideal for those large gatherings with its formal dining area adjoined by the living room. The spacious kitchen allows for multitasking and separation between cooking and conversing. Off the back is a 1/2 bath for convenience and main floor laundry. The upper level has 4 bedrooms and a full bathroom. The updates to the home make this a practical move! Call today for a showing.

590 Gravel Road, Montevideo

Listing courtesy of Weichert REALTORS Tower Properties.

$150,000

ACTIVE Status ⋅ 4 Beds ⋅ 1 Baths ⋅ 7154551 MLS ⋅ 1,300 SqFt.

Welcome to 422 2nd St. SW in Clara City! This well-maintained 4-bedroom, 1-bath story-and-a-half home is in great condition and ready for its next owner. Recent improvements include a brand-new roof and new front steps, adding to the home's curb appeal and peace of mind. Inside, you'll find a functional layout with two bedrooms on the main level and two additional bedrooms upstairs, offering plenty of flexibility for family, guests, or a home office. The home also features forced-air heat, central air, and an on-demand water heater. The full unfinished basement provides excellent additional storage and future possibilities. Outside, enjoy a .245-acre lot with a backyard enclosed by a privacy fence. Perfect for relaxing, entertaining, or enjoying your own private outdoor space. A single detached garage completes the property. With four bedrooms, recent exterior updates, a fenced backyard, and a well-cared-for interior, this Clara City home is one you'll want to see!

422 2nd Street SW, Clara City

Listing courtesy of Weichert REALTORS Tower Properties.

$245,000

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7154810 MLS ⋅ 1,079 SqFt.

New roof. Main-floor laundry. A screened porch you won't want to leave. 205 W South Ave is for anyone who wants home to be the easy part of the day. This ranch-style home puts the living room, dining area, kitchen, bath, and laundry all on one level, in a walkable location close to places to eat and a pharmacy. Walk in and the first thing you notice is the light. A large picture window brightens the living room, wood-look flooring runs continuously from room to room, and neutral tones with white trim give the home a clean, comfortable feel. A graceful arched opening draws you into the dining area, which flows straight into the kitchen. The galley kitchen keeps everything within easy reach. Two-tone cabinetry, white above and gray below, pairs with a subway tile backsplash, modern light fixtures, and a long run of counter space. Laundry is just steps away on the same floor, with built-in shelving, so you'll never haul a basket up or down stairs again. Then there's the space you'll use more than you expect: a large screened porch off the kitchen. Morning coffee, summer suppers, quiet evenings with no bugs invited. Beyond it, the yard opens up with wide green space, mature trees, and room to garden or entertain. The attached garage keeps you out of the weather coming and going. That new roof? Installed in 2025, so the big-ticket item is already handled. The home is on city water and also has a private septic. One level, a great yard, a new roof, and a walkable location. Come see how easy home can feel. Schedule your showing today!

205 W South Avenue, Chippewa Falls

Listing courtesy of Epique Realty.

$212,000

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7154509 MLS ⋅ 1,472 SqFt.

Hello Beautiful! Open the door and discover the breathtaking beauty of this newly remodeled 3 bedroom/2 bath home with luxurious modern amenities! From the attached 2-car garage, to the beautiful covered front entrance, and foyer with built-in coat cubby, this adorable townhome draws you in with its incredible modern amenities - including: Brand New Custom Designed Kitchen with antique white cabinetry, gorgeous granite countertops, a lovely center island with the granite top, under cabinet storage and plenty of space for seating. Stainless Steel Appliances include a Double Oven Stove, Microwave, Refrigerator, Dishwasher, plus a Lighted Beverage/Wine Fridge too! Enjoy a Coffee Bar? - Here you Are! The beautiful drop-in double sink and prima rectangular chandelier show the joy of entertaining in this kitchen! The large living room offers new vinyl plank flooring, updated lighting, window treatments and a beautiful fresh coat of soft blue paint. The main floor also offers a pantry closet, stackable laundry, newly updated 1/2 bath, and utility room with new tankless water heater. Three beautiful bedrooms and a full bath encompass an elegance of romance that include vaulted ceilings, large windows for natural light, and updated lighting and flooring that capture your "soft place" to land! The sliding glass door leads outside to enjoy the walkout patio and large back yard. With a brand new roof installed in 2023, the cedar siding, central air conditioning and forced air furnace, you can enjoy this lovely townhome for years to come! Schedule your tour today! *For a fair asking price, sellers are willing to include some furniture items with the property. **There is an annual fee of $100 for the maintenance/snow removal, and all Cedar Lane home owners receive a CC&R as part of the TH Association.

304 Cedar Lane, Montevideo

Listing courtesy of Hughes Real Estate and Auction.

$39,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7153414 MLS ⋅ 1,080 SqFt.

Opportunity awaits with this 3-bedroom home offering plenty of space and potential for the right buyer. The main level features a large kitchen, formal dining room, and welcoming front porch, while all three bedrooms and the full bath are located on the upper level. A deck provides additional outdoor space, and the property includes a one-car garage. Located in a small-town setting, this property presents an opportunity for a complete renovation or a fresh start with a new vision for the site. With its traditional floor plan, generous kitchen, and established residential setting, there is plenty of potential for a buyer ready to take on a substantial project and create value.

411 N 5th Street, Montevideo

Listing courtesy of Gallery of Homes.

$249,900

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7149910 MLS ⋅ 1,904 SqFt.

This beautifully maintained property features a custom kitchen by Tony Olson, just over a year old, showcasing top-of-the-line Quartz countertops and quality craftsmanship throughout. The home includes solid Knotty Alder doors, excellent storage options—including under-stair storage—and a large upper-level pantry with optional washer/dryer hookups for added convenience. The upper level offers a comfortable layout with the 2nd bedroom currently used as a den, complete with direct access to the backyard deck. The tiled full bath on the upper level features Jack-and-Jill access to the main bedroom. The lower level includes a tiled 3/4 bathroom, additional living space, and more storage. Mechanical updates include a 7-year-old furnace and central air system. Most furnishings can be negotiated, including the couch and loveseat, which carry an additional 3-year warranty. A well-cared-for home in a peaceful setting—this one offers comfort, quality, and thoughtful updates throughout.

1202 Oak Drive, Montevideo

Listing courtesy of Kuhlmann Real Estate, Inc..

$330,000

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7148377 MLS ⋅ 2,779 SqFt.

Absolutely beautifully maintained historic 2 story home on 4.5 acres. The pictures speak for themselves but you must see this beauty in person. We believe this to be a Sears kit home from the early 1900s complete with the Mansard roof. This home was lifted in 2000 and a new block full basement was installed along with all updated plumbing, electrical, drywall, windows and doors. Please see notes in photos for more detailed info on updates. Bring your horses or other livestock as this property has been fitted with a paddock fenced area and two stall barn. Welcome to country living at its finest. Move right in and enjoy! Broadband has been brought up to home . Home has a new whole home automatic backup generator.

4060 50th Avenue NW, Montevideo

Listing courtesy of eXp Realty.

$189,900

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 7149515 MLS ⋅ 1,392 SqFt.

An inviting opportunity at an appealing price point, 465 W Spruce St offers practical space and classic two-story character in Chippewa Falls. This new listing features three bedrooms, one bathroom, and 1,392 square feet, creating a versatile layout for first-time buyers, downsizers, or anyone seeking value without giving up useful everyday features. The wraparound front porch gives the home a memorable presence on its corner lot and provides a natural place for coffee, conversation, or watching the neighborhood pass by. Inside, a dedicated dining room offers space for shared meals and special occasions. Main-floor laundry keeps household routines convenient, while the main-level bedroom makes single-floor living more accessible. Two additional bedrooms are located upstairs, offering separation for family, guests, hobbies, or a home office. Outdoor living continues on the back deck, ready for grilling, relaxing, or enjoying warm Wisconsin afternoons. The backyard storage shed helps keep lawn equipment, bicycles, tools, and seasonal items organized. Overhead, a metal roof adds a practical feature to the property. Located within easy reach of Chippewa Falls High School and LC Stanley Park, this home places education and outdoor recreation nearby. With a flexible bedroom arrangement, multiple outdoor spaces, and an approachable entry into homeownership, this property brings together function and potential. Explore the possibilities and see how 465 W Spruce St can fit your plans, whether you’re buying your first home or making your next move in Chippewa Falls today.

465 W Spruce Street, Chippewa Falls

Listing courtesy of Century 21 Affiliated.

$184,900

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7147851 MLS ⋅ 1,332 SqFt.

"There's so much more beyond the front door!" From the moment you arrive, one can feel the luxury and ease of this beautiful one level, 2 bedroom townhome that was newly built in 2018. You know you are home, when you turn into the fully cemented driveway, push the garage door opener to rise, and drive into your heated & insulated garage with private entrance into your home. Stepping inside you will enjoy the comforts of living as you have a formal carpeted living room area, a spacious eat-in pivot kitchen that offers a built-in double SS sink & dishwasher, custom built cabinets that surround the SS refrigerator, microwave & stove, and an easy access door to the back patio. Say goodnight as you head down the hallway to two large fully carpeted bedrooms that have beautiful solid wood entrance & closet doors, and large double-pane windows that offer wonder natural light. The bathroom offers an incredible step/roll-in fully tiled shower meant to be enjoyed with relaxing long showers! The hallway has a tuck-in laundry closet with washer and dryer hook-ups of which you get to install the appliance style of your choice. Entertain your guests on the back patio and in the back yard. A privacy fence can easily be added as well! Turn-key move-in ready this lovely 1333 sq ft home is truly a must see for anyone desiring to enjoy the "extra" comforts of modern one-level living, privacy, handicap accessibility, main floor laundry, and just minutes from downtown Granite Falls! This truly is your Home Sweet Home! PLEASE NOTE - THE CURRENT TAX REFLECTS COMMERCIAL RATE - BUT BECAUSE THIS HOME IS SELLING INDIVIDUALLY, IT WILL BE ADJUSTED TO LESS THAN $4,000 AS A SINGLE FAMILY TOWNHOME

216 Mooney Circle, Granite Falls

Listing courtesy of Hughes Real Estate and Auction.

Start Your Search

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota. Real estate listings held by brokerage firms other this firm are marked with the Broker Reciprocity logo. Information Deemed Reliable But Not Guaranteed. Property locations as displayed on any map are best approximations only and exact locations should be independently verified.

Listing data © 2026 Regional Multiple Listing Service of Minnesota. All rights reserved. By searching, you agree to the EULA.