Chisago County Homes under $400,000

Welcome to Chisago County, Minnesota—a hidden gem nestled in the heart of the North Star State! Known for its picturesque landscapes, charming small towns, and friendly communities, Chisago County offers a unique blend of rural tranquility and modern convenience. Just a short drive from the bustling Twin Cities, this area boasts stunning lakes, lush forests, and an abundance of outdoor recreational opportunities, making it an ideal place for families, retirees, and anyone seeking a vibrant lifestyle.

For homebuyers on a budget, Chisago County is an excellent choice, with a variety of charming homes available for under $400,000. Whether you’re looking for a cozy single-family residence, a spacious townhome, or a quaint cabin by the lake, you’ll find plenty of options that cater to diverse tastes and preferences. These homes often feature modern amenities, open floor plans, and beautiful outdoor spaces—perfect for enjoying the serene natural surroundings.

Living in Chisago County means embracing a lifestyle that balances relaxation with adventure. Spend your weekends exploring the scenic trails, fishing in the pristine lakes, or visiting local farmers’ markets and festivals that showcase the community's vibrant culture. With its strong sense of community and rich history, Chisago County is not just a place to live; it’s a place to thrive.

Don’t miss your chance to find your dream home in this enchanting region. Explore the available properties in Chisago County today and discover the perfect blend of comfort, charm, and affordability!

Newest Chisago County Homes under $400,000

$395,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7147975 MLS ⋅ 1,844 SqFt.

Nestled among mature trees on a scenic 2-acre lot, this inviting 3-bedroom, 2-bath split-level home offers privacy, comfortable living spaces, and beautiful wooded surroundings. The open main level features a spacious living room, kitchen with abundant oak cabinetry and breakfast peninsula, and an adjoining dining area with patio doors leading to an elevated deck overlooking the backyard. The primary bedroom offers convenient access to a full bath, also accessible from the hallway. Neutral interior colors, attractive flooring, and natural woodwork complement the home's comfortable layout. The finished lower level features a spacious family room with a gas fireplace, new carpeting, and additional flexible space for recreation, hobbies, or a home office. Recent improvements also include a new compliant septic system. Enjoy outdoor living from the elevated deck or backyard patio, surrounded by mature trees and open lawn. An attached two-car garage with a heating unit completes this appealing property and its peaceful wooded setting.

4926 Shady Lane, North Branch

Listing courtesy of RE/MAX Synergy.

$289,900

COMING SOON Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7156366 MLS ⋅ 1,032 SqFt.

Welcome to this charming, freshly updated one-story home in Rush City! Featuring 2 bedrooms and 1 full bath all on the main level, this home offers comfortable, easy living with beautiful natural light and plenty of character. The real standout is the rare 1.45-acre city lot (3 PID's), offering a private setting with Rush Creek running along the property. Outside, you'll also find an impressive 40x28 garage with an upper level, providing tons of room for vehicles, storage, hobbies, a workshop and more. Enjoy the space and privacy of acreage while still having the convenience of being in town. A unique property with so much potential don't miss this one!

755 S Dana Avenue, Rush City

Listing courtesy of LaBelle Real Estate Group Inc.

$235,000

COMING SOON Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7155422 MLS ⋅ 1,024 SqFt.

(BE SURE TO WATCH THE 360 TOUR) EXTREMELY PRIVATE UPDATED TWINHOME SURROUNDED BY WOODS AND WETLAND! NO ASSOCIATION FEES! GREAT POTENTIAL WITH THIS UNFINISHED LL -- FULLY INSULATED AND WIDE OPEN WITH FLOOR TRUSS SYSTEM AND A ROUGH IN BATH -- NEW HVAC SYSTEM WITHIN THE PAST YEAR -- COULD EASILY BE A 4 BEDROOM HOME. LL WALKS OUT TO A PRIVATE REAR YARD. CONVENIENT LOCATION TO SCHOOLS, PARKS AND AMENITIES BUT SURROUNDED BY MORE EXPENSIVE SINGLE FAMILY HOMES. SELLER JOB CHANGE ALLOWS THIS TO BE AVAILABLE.

6696 381st Street, North Branch

Listing courtesy of Edina Realty, Inc..

$375,000

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7144403 MLS ⋅ 1,891 SqFt.

Welcome home to this well-loved split-level tucked away at the end of a quiet cul-de-sac in the established Mystic Woodlands neighborhood. Enjoy mature trees, a spacious yard, and a peaceful setting. Inside, the bright living room features a beautiful bay window, while the kitchen offers great counter space and storage. The dining area opens to the backyard and paver patio—perfect for morning coffee or summer gatherings. The upper level offers 3 bedrooms and a full bath. The lower level features a spacious family room, ¾ bath, laundry, and walkout access to the 3-car garage. The lowest level provides unfinished space with an egress window, offering potential for a 4th bedroom, office, hobby room, or additional living space. Updates include a 2021 roof, 2020 furnace & A/C, newer appliances (2018–2021), and a new concrete garage apron and sidewalk in 2022. Large yard, irrigation, mature trees, and a great location! Sellers are moving out of state for work—don't miss this one!

6149 384th Lane, North Branch

Listing courtesy of eXp Realty.

$365,000

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7148743 MLS ⋅ 2,288 SqFt.

Escape to your own private sanctuary at 815 Colby St, where a stunning, park-like outdoor oasis takes center stage. Situated on nearly an acre of blissfully quiet land, this property boasts a massive, heavily wooded backyard that feels like a personal nature reserve. The grounds feature meticulously updated landscaping and a sprawling, large fenced area perfect for outdoor living, all while backing into peaceful, mature woods for ultimate seclusion. Step inside to find an equally impressive 4-bed, 2-bath layout featuring a grand, open-concept kitchen with custom cherry cabinets, a cozy gas fireplace, and a lower-level whirlpool tub. Outdoor enthusiasts will love the insulated and heated 3-car oversized garage, alongside a brand-new furnace and roof (2025) for effortless home ownership. Tucked away within walking distance to Taylors Falls Elementary, you are perfectly positioned in the scenic St. Croix River Valley, surrounded by state parks, hiking trails, and year-round community events.

815 Colby Street, Taylors Falls

Listing courtesy of Homes Plus Realty.

$345,000

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7155017 MLS ⋅ 1,217 SqFt.

This beautifully maintained three-level home offers space, comfort, and a standout list of indoor and outdoor amenities. The main level features an open floor plan connecting the kitchen, dining, and living room, all enhanced by a vaulted ceiling that brings in natural light and an airy, spacious feel. The kitchen features granite countertops, creating a clean, modern workspace perfect for cooking or entertaining. Step outside to a backyard designed for privacy and enjoyment. A Northland Privacy Fence surrounds the space, offering peace and seclusion while you relax in the 24x12 Intex pool. For those interested in hobby farming, the chicken coop with 12 hens can stay with the property if buyers wish. The yard is a true outdoor oasis, featuring established apple, cherry, and pear trees, along with grapevines, raspberries, and mulberries. It’s a rare opportunity to enjoy your own mini orchard and berry patch right at home. This property blends comfort, privacy, and outdoor living in a way that’s hard to find, perfect for buyers seeking space, nature, and a home that offers more than the ordinary.

38377 Hunters Ridge Trail, North Branch

Listing courtesy of Edina Realty, Inc..

$339,900

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7156188 MLS ⋅ 1,243 SqFt.

Ask about financing promotion with Seller's Preferred Lender and Title! Completed New Construction Split Level Ready for a Quick Closing! NO HOA! This home offers an Open Concept Main Living Area, 2 Bedrooms, 1 Bathroom, Walkout Basement, and 2 Car Garage! Kitchen highlights are quartz countertops, crown moulding, cabinet hardware, trash rollout, white cabinets, stainless steel appliances, center island, and recessed lighting. LVP flooring is run through Living Room! Primary Suite includes a Walk in Closet and Walk Thru Bathroom. Unfinished Walkout Lower Level offers space for a future Family Room, 3rd Bedroom, and 2nd Bathroom. Photos and renderings may not depict actual plan, materials, & finishes may vary. All measurements are approximate.

37546 Greenway Avenue, North Branch

Listing courtesy of NextHome West Metro.

$334,900

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7154606 MLS ⋅ 1,496 SqFt.

Ask us about our current incentives including builder paid closing costs! This beautifully designed home truly has it all! The chef-ready kitchen is a standout feature, boasting quartz countertops, a spacious island with seating, a full suite of stainless steel Whirlpool® appliances, and a large walk-in pantry. Just off the kitchen, you'll find the dining room with convenient access to the backyard—perfect for indoor-outdoor living. The first floor also includes a grand foyer and a convenient powder bath. Upstairs, the primary suite offers a tranquil retreat with its attached bathroom featuring a tub/shower combo, a large vanity and a generous walk-in closet. Additionally, the upper level includes two more bedrooms, a full bathroom, and a versatile loft space to suit your needs.

39749 Fallbrook Avenue, North Branch

Listing courtesy of LGI Realty-Minnesota, LLC.

$374,900

ACTIVE Status ⋅ 4 Beds ⋅ 4 Baths ⋅ 7154605 MLS ⋅ 2,072 SqFt.

Don’t wait — our current incentives include major builder-paid closing costs, and the Mayfield plan is one of the most in-demand homes available right now with quick access to I-35. From the moment you enter, the welcoming foyer opens into a bright, spacious family room that flows seamlessly into the dining area. The chef-ready kitchen elevates every day with quartz countertops, abundant cabinetry, and modern appliances. Upstairs, all bedrooms are thoughtfully grouped together alongside a flexible loft — ideal for work, play, or relaxation. The primary suite delivers true luxury, featuring a glass-enclosed shower, soaking tub, dual-sink vanity, and a walk-in closet that feels endless. Three additional bedrooms and 1.5 extra bathrooms ensure comfort for everyone. You will also find a huge unfinished basement offering incredible potential for future living space, a home gym, a theater, or anything you can imagine. It’s a rare opportunity to add value and customize your home exactly the way you want. With incentives like these and a home with this much potential, now is the moment to act.

39723 Fallbrook Avenue, North Branch

Listing courtesy of LGI Realty-Minnesota, LLC.

$299,900

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7152863 MLS ⋅ 1,240 SqFt.

Beautiful, well-maintained one-level living townhouse. Located in a high-demand neighborhood. 2 large bedrooms, 2 bathrooms, and a 2-car garage. Energy-efficient in-floor heating throughout the home, with central air and a fireplace in the living room. SS appliances, LVP flooring, and white painted cabinets. Close to a park, schools, shopping centers, and easy access to the major highways.

38820 Maple Court, North Branch

Listing courtesy of Eagan Realty LLC.

$339,900

ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 7152024 MLS ⋅ 1,823 SqFt.

Investment Opportunity Meets Small-Town Charm! Have you ever dreamed of owning a home that can help pay its own bills? Here’s your opportunity to turn that dream into reality where investment meets the quaint small town of Rush City! Welcome to a charming property in the heart of Rush City offering built-in income potential, room to build equity, and plenty of creative space to make it your own. The main home is an adorable 1.5-story residence built in 1948 with the breezeway addition in 1954, and the apartment addition in 1982. It features 2 bedrooms and 1 bathroom, with the potential for convenient main-floor living. The inviting open layout provides a blank canvas for your vision, making it easy to bring your ideas and personal style to life. Several updates have been completed, including 13 new windows and fresh interior paint, giving you a great head start on making it your own. Even better, the existing attached apartment tenant provides rental income to offset your loan payment and allows for extra income to complete more updates. Location adds even more appeal! Situated in the heart of Rush City, you'll be within walking distance of downtown, the city water park, the renowned Rush City Bakery, and local Rush City schools/sporting events. Enjoy the easy freeway access for commuting to/from work and surrounding communities. Whether you're looking for an investment property, a home with income potential, this one should be on your list of homes to see! Please enjoy the Matterport so you can view every detail you desire!

495 W 1st Street, Rush City

Listing courtesy of Century 21 Moline Realty Inc.

$275,000

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7153197 MLS ⋅ 768 SqFt.

ENJOY A PEACEFUL PENINSULA SETTING ON ROBOUR LAKE! Owned by the same family since built in 1972. This special Holiday Shores lake property offers approximately 60 FT OF LAKESHORE, ACCESS TO THE FIVE-LAKE CHAIN & year-round recreation including boating, swimming and ice fishing. The chain is home to walleye, northern pike, crappie, sunfish, bass and more. Sale includes TWO parcels-the lakefront parcel plus an additional off-water parcel across the road. Updates and ongoing maintenance include a BRAND NEW PRIVATE WELL installed July 2026, with detailed improvement records available for buyer review. Additional features include a DRIVE-THRU DETACHED ONE-CAR GARAGE, two storage sheds, including one near the shoreline for lake/boat gear, & recently professionally cleaned home with cleaned carpets. Sellers are continuing to restore and seed portions of the lawn disturbed during the well installation. Located on a quiet dead-end road approximately 50 miles from the Twin Cities, with convenient access to Cambridge, Rush City and North Branch for shopping, dining, groceries, healthcare and everyday conveniences. THE BEST PART may be what happens when the day winds down; sitting on the deck, overlooking the lake, watching the sun set and taking in just how peaceful it is. This is the kind of place where lake life feels simple, quiet & exactly as it should.

44854 Bending Circle, Harris

Listing courtesy of Boardwalk Premier Realty, Inc..

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