When it comes to NSW houses for sale, there will be a hugely diverse range of homes—from stately city mansions in Sydney, to townhouses in the regions. Houses for sale under $400k are no different. In our list today, we’re got you everything from charming brick villas to cedar cottages in the wilderness.
Whatever your kind of home, it’s actually possible to get your foot on the ladder with any of these seven homes. And if none of these tickle your fancy, you can check out the cheapest suburbs on the Central Coast to see if any of those do!
Additional reading: if you have a slightly smaller budget, check out our round up of NSW houses for sale under $200,000 and cheap houses on sale in NSW!
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- The 6 Cheapest Suburbs in Sydney
- 5 Homes Under $100k You Can Buy Right Now
- 6 Properties Under $200k On Sale Right Now
Minto NSW house
Price guide: $399,950 – $449,950
Spanned across two floors, this townhouse is nestled at the back of a complex, offering privacy and tons of peace and quiet. Minto is about 38 kilometres from the Sydney CBD, which means about a 45-minute drive gets you to the hustle and bustle of the capital city.
Minto itself is a good place to live, with a shopping mall, local train station and progressive town council.
Check out more houses for sale in Minto NSW.
Cessnock NSW villa
Price guide: $430,000 – $460,000
A modern and cosy brick and tile villa is on offer here. It goes a little further, boasting quality finishes, AC, a large living space and garage—perfect for first home buyers look for NSW houses for sale on a budget. Cessnock is about a 2-hour drive north of the Sydney CBD.
It’s also the largest town in the oldest wine-making region in Australia. With all the solid amenities like the best supermarkets and chain restaurants, it is a convenient place to live. Cessnock also has a few festivals throughout the year that show off its friendly community, like the CMC Rocks the Hunter and Snow time in the Garden.
Check out more houses for sale in Cessnock NSW.
Portland NSW cedar cottage
Price guide: $399,000
If you’re looking for a country home for a little isolation, or something to escape to over the weekends, this Portland home might just be the place. A one-bedroom is perfect for solo trips or a couple wanting privacy. Set against a forested backdrop, you’ve got timber floors, a well-appointed kitchen and large living area great for entertaining.
Portland is about a 2-hour drive from Sydney. The town is a lovely option for a tree-change, with a strong local community and beautiful landscape.
Check out more houses for sale in Portland NSW.
South Nowra NSW house
Price guide: $399,500
Quaint, sunny, affordable, this 2-bedroom home is ideal for a couple who wants to downsize. Set within a lifestyle village, it offers tons of great social activities, including shared amenities like a BBQ pit, swimming pool, social hall for events and vegetable gardens. South Nowra is a 165 kilometre ride from Sydney.
Find all the big shops in South Nowra, but also all the big estates people like to call the Macdonald mansions.
Check out more houses for sale in South Nowra NSW.
Lowanna NSW country house
Price guide: $399,000 – $429,000
Whether you’re retiring or just wanting to get away, you can find all the peace and quiet you need in this charming, Lowanna home. If you’ve got a green thumb or are an avid farmer, there’s plenty of space for you to cultivate your veggies, maybe even with a couple of chickens in the backyard.
The town of Lowanna is part of the Coffs Harbour hinterland, which means you’re only a 40-minute drive from Coffs Harbour and its buzzing beach scene if you need it.
Check out more houses for sale in Lowanna NSW.
North Albury NSW country house
Price guide: $399,000
With a 780sqm piece of land comes ample opportunity for farming and entertaining. What we love is the timber deck that extends from the home, ideal for having friends over throughout the day. You’re close enough to Lavington shopping, but far enough to enjoy the quiet seclusion.
North Albury sits inland of NSW, offering a friendly, sociable community, and lovely tree-lined streets and parks.
Check out more houses for sale in North Albury NSW.
Lockhart NSW cottage
Price guide: $399,000 – $499,000
There’s quite a lot to love about this charming cottage; its high ceilings to start, then the cypress pine floorboards and french doors that lead you out to the back verandah. With 1,219 sqm of space, you’re free to renovate and even expand beyond the four bedrooms.
Lockhart is a small town of under 1,000 people. It’s a wonderful place to take in the beauty and peacefulness of country life.
Check out more houses for sale in Lockhart NSW.
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