Franklin County Homes under $400,000

Welcome to Franklin County, Tennessee, a hidden gem nestled in the heart of the Volunteer State! Known for its picturesque landscapes, friendly communities, and rich history, Franklin County offers a perfect blend of rural charm and modern conveniences. With its rolling hills and scenic views, this area is ideal for those seeking a peaceful lifestyle while remaining close to urban amenities.

Franklin County boasts a variety of recreational opportunities, from hiking and fishing in the stunning Tims Ford State Park to exploring the quaint shops and restaurants in the charming towns of Winchester and Cowan. The community is vibrant and welcoming, making it an excellent place for families, retirees, and everyone in between.

For homebuyers looking for affordability without compromising on quality, Franklin County is a treasure trove of options. With a range of homes available for under $400,000, you can find the perfect place to call home. From cozy single-family residences with spacious yards to charming cottages that exude character, there’s something for everyone. Many of these homes feature modern amenities and are situated in family-friendly neighborhoods, making them ideal for those looking to settle down.

Whether you’re a first-time buyer or searching for your next investment, Franklin County’s real estate market is thriving. Discover the warmth and charm of this lovely county, where your dream home awaits at an affordable price. Explore the possibilities today and experience the exceptional lifestyle Franklin County has to offer!

Newest Franklin County Homes under $400,000

$359,900

3 Beds ⋅ 3 Baths ⋅ 3611156 MLS ⋅ ACTIVE Status ⋅ 0.99 Acres ⋅ 37330 Zip Code

Built in 2024, this like-new, fully furnished home offers 3 bedrooms, 2.5 bathrooms, 1,578 sq. ft., and an unrestricted 1-acre lot with no HOA and no city taxes. Interior features include luxury vinyl plank flooring throughout, no carpet, matching granite countertops in the kitchen and bathrooms, stainless steel appliances, soft-close cabinets and drawers, upgraded fixtures, and recessed LED lighting. The primary suite features a separate bathtub and walk-in shower. Additional features include covered front and back porches, an attached two-car garage, and high-speed internet availability. All necessary builder-warranty repairs have recently been completed. The property is sold completely furnished, including all furniture, appliances, decorations, and a zero-turn lawn mower. A $10,000 Westinghouse whole-home water softening and filtration system with under-sink reverse osmosis drinking-water filtration and a transferable lifetime warranty is included. The remaining pest-control contract also transfers. Conveniently located approximately 5 minutes from Tims Ford Lake and Blue Gill Restaurant & Marina, 7 minutes from the boat ramp, and 12 minutes from Winchester Square. Shopping, dining, and everyday conveniences are approximately 20 minutes away or less. Qualified buyers may be eligible to assume the existing FHA mortgage at 6.047%, subject to lender approval and applicable requirements. THIS IS A GREAT OPPORTUNITY!

1378 Pleasant Grove Rd, Estill Springs

$129,900

3 Beds ⋅ 1 Baths ⋅ 3611084 MLS ⋅ ACTIVE Status ⋅ 0.24 Acres ⋅ 37398 Zip Code

Home with great potential, on large lot in great neighborhood. Home was originally 3br 1 bath but it's a clear canvas right now, allowing for the right buyer to reshape the property to their liking. Conventional or Cash offers due to condition. Owner Financing available with 20k down payment financed at 10% interest rate. $1181 payment on 15 year loan, lenght of term is negotiable payment would vary accordingly.

115 NW 11th Ave, Winchester

$399,900

2 Beds ⋅ 2 Baths ⋅ 3610672 MLS ⋅ ACTIVE Status ⋅ 37398 Zip Code

Welcome to your dream home in a brand-new 55+ community designed for comfort, convenience, and low-maintenance living. This newly constructed, single-level home offers a thoughtfully designed floor plan with no steps, making everyday living effortless. Inside, you’ll find 2 spacious bedrooms and 2 full bathrooms, along with a large flex room perfect for a home office, hobby space, or guest area. The open-concept layout is complemented by custom cabinetry and beautiful quartz countertops in both the kitchen and bathrooms, blending style with functionality. Step outside to relax on the covered back porch, ideal for morning coffee or quiet evenings. Built with durable, low-maintenance Hardie board siding, this home allows you to spend less time on upkeep and more time enjoying life. As part of this vibrant 55+ community, residents enjoy access to exceptional amenities including a clubhouse, swimming pool, fitness center, and dog park—everything you need for an active and social lifestyle. Don’t miss this opportunity to own a brand-new home in a welcoming, amenity-rich neighborhood!

56 Deer Valley Cir, Winchester

$219,000

3 Beds ⋅ 2 Baths ⋅ 3610339 MLS ⋅ ACTIVE Status ⋅ 0.35000000000000003 Acres ⋅ 37330 Zip Code

This cozy Estill Springs home pairs a kitchen remodeled in 2024 with peaceful outdoor spaces you’ll want to enjoy. Offering 3 bedrooms, 1.5 baths, and 1,408 square feet, the home features a comfortable, efficient layout. The kitchen includes new white cabinets, countertops, flooring, and stainless steel appliances. Relax on the covered front patio or back deck surrounded by mature greenery. Yearly termite inspections through Cumberland Termite and annual HVAC maintenance through Danley Heating & Air reflect thoughtful upkeep. The exterior front door and both storm doors were replaced in 2025. Schedule your showing to experience the updates, charm, and peaceful setting in person!

105 Wells St, Estill Springs

$349,900

3 Beds ⋅ 2 Baths ⋅ 3610227 MLS ⋅ ACTIVE Status ⋅ 1.7000000000000002 Acres ⋅ 37388 Zip Code

Beautiful 3-bedroom, 2-bath home built in 2023, offering 1,620 sq ft of comfortable living space on 1.70 acres. Enjoy the warmth of hardwood floors, a spacious layout, and an attached garage for added convenience. A large workshop provides plenty of room for hobbies, projects, or storage. This property offers the perfect blend of newer construction, space, and country charm!

1406 Old Estill Springs Rd, Tullahoma

$279,000

3 Beds ⋅ 2 Baths ⋅ 3610183 MLS ⋅ COMING SOON / HOLD Status ⋅ 0.29 Acres ⋅ 37388 Zip Code

Professional photos coming soon! Welcome home! This well-maintained 3-bedroom, 2-bath home offers a spacious, inviting layout with thoughtful features throughout. The open-concept living area seamlessly connects the living room, dining area, and kitchen, creating a comfortable space for everyday living and entertaining. Beautiful dark wood laminate flooring adds warmth and character throughout the main living areas. The kitchen features cherry-stained cabinetry, granite countertops, a convenient bar-height counter perfect for barstools, and stainless-steel appliances, including the range, microwave, dishwasher, and refrigerator. The adjoining laundry room includes the washer and dryer, along with a large pantry closet for additional storage. The split-bedroom floor plan provides excellent privacy, with the primary suite located on one side of the home and two additional bedrooms and a full bathroom on the opposite side. Both bathrooms feature tiled flooring and granite countertops. Enjoy your morning coffee or evening relaxation from the large, covered rocking-chair front porch, or step out back onto the deck for additional outdoor living space. The oversized two-car garage provides plenty of room for vehicles, storage, and hobbies. Above the garage, the floored attic offers abundant storage and features two dormers, creating an exciting opportunity to finish the space into a bonus room. Located in a welcoming neighborhood with underground utilities and no HOA, this home offers both comfort and convenience. Don't miss the opportunity to make this well-maintained property your new home!

110 Elise Cir, Tullahoma

$155,000

2 Beds ⋅ 1 Baths ⋅ 3610139 MLS ⋅ ACTIVE Status ⋅ 0.19 Acres ⋅ 37318 Zip Code

Looking for a move in ready home or excellent investment opportunity? This renovated home offers charm and convenience. Located just minutes for the University of the South in Sewanee. This home offers 2 bedrooms and 1 bath. The detached garage offers storage and parking. Roof is 2 years old and HVAC is brand new gas heat unit! Make your appointment today or it will be sold!

407 E England St, Cowan

$359,900

4 Beds ⋅ 2 Baths ⋅ 3603825 MLS ⋅ ACTIVE Status ⋅ 0.43 Acres ⋅ 37330 Zip Code

This charming 4 bedroom 2 bathroom brick home has so much to offer. Enjoy convenient access to Tims Ford Lake located 1.9 miles to Tims Ford State Park Boat Ramp and just .025 miles from Taylor Creek Greenway that is on Tims Ford Lake. This property offers easy access to outdoor recreation. The kitchen features granite countertops, and all appliances - including washer and dryer - remain. A 20 x 20 workshop with power provides space for hobbies, projects or storage. Pool table stays for added enjoyment! Updates includes HVAC 2018 and new windows and gutters in 2021. The home is located within 10 minutes to Winchester and Tullahaoma.

304 McKinney St, Estill Springs

$219,900

3 Beds ⋅ 2 Baths ⋅ 3602885 MLS ⋅ ACTIVE Status ⋅ 0.30000000000000004 Acres ⋅ 37398 Zip Code

Welcome home to this spacious 2,040 sq ft double-wide manufactured home on a permanent foundation! This home features large bedrooms throughout, each with a walk in closets, offering plenty of space and storage. The kitchen offers an abundance of countertop space and cabinets, along with a large island - perfect for cooking, gathering, and entertaining. This home offers generous living space and wood burning fireplace. Retreat to to the oversized primary suite, complete with a huge walk in closet and a private bath featuring a soaking tub, an 8' vanity with a dedicated makeup area, and extra storage. Enjoy the outdoors from the large concrete front porch, and take advantage of the fully fenced backyard with a 24' above ground pool- ideal for summer fun! Extra storage provides added convivence.

1110 Hunt St, Winchester

$345,000

3 Beds ⋅ 2 Baths ⋅ 3602829 MLS ⋅ ACTIVE Status ⋅ 0.48 Acres ⋅ 37398 Zip Code

New Price and Offering Buyer Concessions!! Let's take a looksie. Welcome home to this beautifully remodeled 3-bedroom, 2-bath ranch offering the ease of all one-level living & stylish updates throughout. From the moment you step inside, you’ll appreciate the fresh, modern feel created by brand-new luxury vinyl plank flooring throughout the home & new tile flooring in both bathrooms. The spacious living area is warm & inviting, offering the perfect place to relax or entertain. The adjoining kitchen & dining area provide an open, functional layout ideal for everyday living & gatherings. The private primary suite features elegant trey ceilings, creating a spacious retreat you’ll love. The ensuite bath includes new sliding barn door entry, double vanities, a relaxing soaking tub w jets, separate walk-in shower & large walk-in closet, offering both comfort & convenience. Two additional bedrooms are generously sized & share a full bath, making this home perfect for the whole crew, guests, your hobbies or a home office. Step outside to enjoy the brand-new covered deck overlooking the fully fenced, level backyard—ideal for morning coffee, outdoor dining, entertaining, or simply relaxing. The level yard offers plenty of space for the pets, gardening, or play. Let's not forget the huge oversized two car boat garage with brand new garage door.. Yes deep enough for your boat! This home is truly move-in ready.The low-maintenance, one-level floor plan & modern finishes provide the perfect combination of comfort, style & functionality. Conveniently located near Tims Ford Lake, Twin Creeks Marina, several boat ramps, the Elk River for Fly Fishing, shopping, dining, schools & everyday amenities, this beautifully updated home is ready for its new owners. If you’re looking for turnkey living, modern upgrades & fantastic outdoor space, this home checks all the boxes. Don’t miss your opportunity to own this move-in-ready gem!

79 Charlotte Dr, Winchester

$217,900

3 Beds ⋅ 2 Baths ⋅ 3602587 MLS ⋅ ACTIVE Status ⋅ 0.51 Acres ⋅ 37398 Zip Code

Complete Renovation in 2026! Cute 3 bed/1.5 bath home totally updated with LVP flooring throughout, SS appliances, washer & dryer and all new bathroom. Home has a complete cellar underneath with separate entry on back that could be finished at buyer's discretion or make a great storage. New vinyl windows. Large yard that is partially fenced. Property extends into the back treeline. Close to Winchester square, hospital, public library and more.

417 Laura Ave, Winchester

$189,900

2 Beds ⋅ 1 Baths ⋅ 3602546 MLS ⋅ ACTIVE Status ⋅ 0.14 Acres ⋅ 37398 Zip Code

Take A Look!! This adorable totally renovated 2-bedroom, 1-bath cottage that blends cozy charm with fresh modern updates! Step inside to find beautiful LVT flooring throughout, a bright and inviting interior, and an updated kitchen featuring stainless steel appliances. The bathroom has been refreshed with stylish tile surrounding the bathtub, adding a clean, modern touch. Outside you will appreciate the durability and low maintenance of the metal roof. Conveniently located close to town, shopping, dining, and everyday amenities, this charmer would make a wonderful starter home, downsizing option, or investment property.

407 Laura Ave, Winchester

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Information Is Believed To Be Accurate But Not Guaranteed. Some or all listings may or may not be listed by the office/agent presenting these featured properties. Copyright 2026 MTRMLS, Inc. RealTracs Solutions.