28401 Homes under $400,000

28401 Homes under $400,000

Welcome to Wilmington, North Carolina, where the vibrant charm of the coastal lifestyle meets the rich history of a bustling city! Nestled in New Hanover County, the 28401 zip code is a gem that offers a perfect blend of urban amenities and natural beauty. Here, you’ll find stunning riverfront views, lush parks, and the picturesque beaches of Wrightsville and Carolina Beach just a short drive away.

For homebuyers seeking affordability without sacrificing quality of life, the 28401 area has an impressive selection of homes priced under $400,000. This makes it an ideal destination for first-time buyers, families looking to settle down, or investors searching for lucrative opportunities. You can discover a variety of charming single-family homes, modern townhouses, and cozy bungalows that reflect the unique character of Wilmington.

Living in 28401 means embracing a community rich in culture and recreation. Explore the historic downtown district, where you can stroll along the scenic Riverwalk, indulge in local cuisine at delightful eateries, and browse through boutique shops. For outdoor enthusiasts, nearby parks and the stunning coastline provide endless opportunities for hiking, fishing, and sunbathing.

Whether you’re drawn to the vibrant arts scene, the friendly neighborhoods, or the beautiful natural surroundings, Wilmington’s 28401 zip code offers a welcoming community that feels like home. Discover your dream home today in this enchanting coastal city, where life is not just lived but celebrated!

Newest 28401 Homes under $400,000

232 Tributary Cir, Wilmington
$397,000
4 Beds ⋅ 2 Baths ⋅ 100610927 MLS
PREFERED LENDER OFFERING MAJOR CREDITS OR BUYDOWN (CONDITIONS APPLY) Welcome to 232 Tributary Circle! Built in 2023, this home feels practically brand new, and you will notice just how well it has been maintained the moment you walk through the door. Recent updates include fresh interior and garage paint, updated lighting fixtures, new kitchen hardware and faucet, a storm door, and, best of all, a full wood privacy fence enclosing the backyard. Located on a quieter stretch of the neighborhood, this home offers the space, comfort, and low-maintenance living that can be hard to find. With four bedrooms and this price in New Hanover County, finding this much home with so little upkeep is no easy task. Multiple indoor and outdoor security cameras will also convey with the property for added peace of mind. The location makes everyday living easy, with convenient access to downtown Wilmington and Wilmington International Airport, plus a grocery store right at the neighborhood entrance. Your home should give you room to live, grow, and enjoy life. This one checks all the boxes. Schedule your showing today!

232 Tributary Cir, Wilmington

Listing courtesy of Listing Agent: Frederic L Schnur () from Listing Office: Keller Williams Innovate-Wilmington.

Listing courtesy of Listing Agent: Frederic L Schnur () from Listing Office: Keller Williams Innovate-Wilmington.
21 N Front St Unit Unit 3d1, Wilmington
$400,000
1 Beds ⋅ 2 Baths ⋅ 100610619 MLS ⋅ Downtown BLDG.
Welcome to Downtown Wilmington! Nestled within a beautiful historic Masonic building, this charming 1-bedroom, 2-bathroom condo offers 772 square feet of character, comfort, and modern convenience in the heart of the city. High ceilings and oversized windows overlooking the street create an inviting atmosphere filled with natural light, while updated features and appliances bring a fresh, contemporary touch to the space. Thoughtfully designed with ample storage tucked beneath the living room floor, this unique condo makes the most of every square foot. Offered fully furnished, this property provides added convenience and is ready for its next owner to enjoy. Currently participating in a short-term rental program through Airbnb and VRBO, the condo offers an opportunity for buyers interested in exploring investment potential, subject to applicable rules and regulations. Step outside and enjoy the vibrant downtown setting, with restaurants, shopping, entertainment, and the many attractions of Wilmington just moments away. Whether you're looking for a distinctive downtown property, a personal getaway, or a potential investment opportunity, this historic condo blends timeless charm with the convenience of modern city living.

21 N Front St Unit Unit 3d1, Wilmington

Listing courtesy of Listing Agent: Tori M. Sellers () from Listing Office: Intracoastal Realty Corporation.

Listing courtesy of Listing Agent: Tori M. Sellers () from Listing Office: Intracoastal Realty Corporation.
1315 Church St, Wilmington
$275,000
3 Beds ⋅ 1 Baths ⋅ 100610528 MLS
Freshly updated while holding onto the character that makes an older Wilmington home special, 1315 Church Street offers a thoughtful mix of original personality and modern improvements. From the covered front porch and cheerful yellow front door, the home makes a memorable first impression. Inside, the living and dining spaces feature distinctive knotty pine walls that bring warmth and vintage character to the home. Updated light fixtures and fresh finishes complement these original details, while separate living and dining areas provide defined spaces with an easy flow between them. The renovated kitchen brings a fresh contrast with white cabinetry, granite countertops, subway tile backsplash, GE stainless steel appliances, and a hood vent, along with plenty of workspace and storage. Just beyond the kitchen, a dedicated laundry room adds everyday convenience. Three bedrooms offer comfortable, versatile spaces with fresh neutral paint and crisp white trim. The full bath has also been updated with a new vanity, fixtures, and refreshed finishes. Recent system improvements include a 2025 water heater and 2026 HVAC, adding two important updates to the home's list of improvements. Outside, the refreshed exterior pairs gray siding with warm wood accents, while the covered front porch adds to the home's welcoming appeal. With 3 bedrooms, 1 bath, and 1,119 heated square feet, 1315 Church Street offers a practical single-level floor plan in a location convenient to Downtown Wilmington, with restaurants, shops, entertainment, and the Riverwalk within easy reach. Updated for today while retaining the knotty pine and vintage details that give it personality, this home offers something a little different from the ordinary.

1315 Church St, Wilmington

Listing courtesy of Listing Agent: Team Gale () from Listing Office: Coldwell Banker Sea Coast Advantage.

Listing courtesy of Listing Agent: Team Gale () from Listing Office: Coldwell Banker Sea Coast Advantage.
203 N 11th St, Wilmington
$225,000
2 Beds ⋅ 1 Baths ⋅ 100610525 MLS
Step inside from the expansive covered front porch and into a light-filled living room where original hardwood floors and substantial trim immediately showcase the home's bungalow character. The living room flows into a dedicated dining area, creating two distinct spaces for everyday living and entertaining without sacrificing the open connection between them. At the rear of the home, the updated kitchen brings a fresh, modern contrast with white cabinetry, subway tile backsplash, new GE stainless steel appliances, updated fixtures, and updated flooring. A separate laundry area and adjoining utility space add practical storage and function, with convenient access to the backyard. The two bedrooms are positioned along the opposite side of the home, with the front bedroom located just off the living area and the primary bedroom tucked toward the rear. A centrally located updated bath serves both and features a tiled shower, white vanity, updated fixtures and lighting, plus additional built-in storage. Throughout the home, updated windows bring in plenty of natural light while original hardwood flooring and traditional trim preserve its historic character. A 2025 HVAC system and 2026 water heater add two significant recent improvements. With 970 heated square feet, the layout makes excellent use of its footprint, offering a true living room, dedicated dining area, separate kitchen, two bedrooms, dedicated laundry and utility space, and an impressive covered front porch.

203 N 11th St, Wilmington

Listing courtesy of Listing Agent: Team Gale () from Listing Office: Coldwell Banker Sea Coast Advantage.

Listing courtesy of Listing Agent: Team Gale () from Listing Office: Coldwell Banker Sea Coast Advantage.
21 N Front St Unit Unit 3b4, Wilmington
$399,000
1 Beds ⋅ 1 Baths ⋅ 100610161 MLS ⋅ Downtown BLDG.
Welcome to one of downtown Wilmington's most stunning condominiums, located in the iconic Masonic Temple Building, originally constructed in 1898. Rich in history and architectural character, this remarkable property beautifully blends historic charm with sophisticated modern updates. Once home to a prominent masonry supply company, the building remains a treasured part of Wilmington's architectural heritage--and this exceptional residence is truly a standout. Step inside to discover beautiful arched wood-framed details, exposed brick walls, and soaring ceilings that celebrate the building's original craftsmanship. Thoughtfully renovated throughout and professionally decorated with impeccable style, the condo offers a seamless blend of timeless character and contemporary luxury. Best of all, it is being sold fully furnished, with only a few exclusions, making it a truly turnkey opportunity. Enjoy bright, open living spaces and unobstructed views of downtown Wilmington and the Cape Fear River. Whether you're seeking a stylish downtown residence, a relaxing second home, or an investment property, this unique condo offers exceptional versatility and appeal. Currently operating as a successful Airbnb, the property presents an opportunity for short-term rental income, subject to applicable regulations. And the location is hard to beat! Just steps from the scenic Cape Fear Riverwalk, Live Oak Bank Pavilion, boutique shopping, acclaimed dining, and Wilmington's vibrant nightlife, you'll be immersed in the very best of downtown living. The building even has a rooftop bar. Historic character, modern luxury, and an unbeatable location--all in one extraordinary property. Don't miss this rare opportunity to own a distinctive piece of Wilmington history!

21 N Front St Unit Unit 3b4, Wilmington

Listing courtesy of Listing Agent: Becky S Spivey () from Listing Office: Landfall Realty, LLC.

Listing courtesy of Listing Agent: Becky S Spivey () from Listing Office: Landfall Realty, LLC.
1307 S 7th St, Wilmington
$254,900
3 Beds ⋅ 2 Baths ⋅ 100609717 MLS
Updated, move-in ready, and just minutes from Downtown Wilmington, 1307 S 7th Street offers easy single-level living in a classic brick ranch with extensive improvements completed in 2023. The bright, open living and dining area features updated flooring, neutral finishes, and abundant natural light. The kitchen offers dark cabinetry, stainless steel appliances, white countertops, open wood shelving, and warm modern details. The home features three bedrooms and two updated full bathrooms, with flexible space that can accommodate a guest room, home office, nursery, or creative space. Per prior listing information, major improvements completed in 2023 included the roof, Pella windows, HVAC, plumbing, electrical, insulation, drywall, flooring, kitchen, and bathrooms. Outside, enjoy a welcoming front porch, mature greenery, and a generously sized lot with room to garden, entertain, or personalize. Rear alley access provides additional flexibility for future use. Located near historic Downtown Wilmington, the Cape Fear Riverwalk, Castle Street, Greenfield Lake, local restaurants, shops, breweries, and nearby bridge access, this home combines an updated interior, flexible layout, and central Wilmington location. Seller is offering a home warranty for added buyer peace of mind.

1307 S 7th St, Wilmington

Listing courtesy of Listing Agent: Sarah E Meyers () from Listing Office: Keller Williams Innovate-Wilmington.

Listing courtesy of Listing Agent: Sarah E Meyers () from Listing Office: Keller Williams Innovate-Wilmington.
311 N 2nd St Unit Apt H, Wilmington
$324,700
1 Beds ⋅ 1 Baths ⋅ 100609060 MLS ⋅ Pontiac Place Condominums BLDG.
Experience downtown Wilmington living at 311 N. 2nd Street, Apt H in Pontiac Place! This unique 1-bedroom, 1-bath loft-style condo offers a functional two-level layout in the heart of downtown. The main level features a comfortable living area and kitchen with a convenient pass-through opening that connects the two spaces and makes entertaining easy. Upstairs, the loft-style bedroom provides a private retreat along with the full bathroom. Enjoy the convenience of garage parking, additional storage, and access to the community game room. Located just blocks from the Riverwalk, restaurants, shopping, entertainment, historic downtown attractions, and Cape Fear Community College, this condo puts you within walking distance of so much that downtown Wilmington has to offer. Whether you're looking for a primary residence, downtown getaway, or investment opportunity, Unit H offers a great combination of location, convenience, and urban living.

311 N 2nd St Unit Apt H, Wilmington

Listing courtesy of Listing Agent: The Rising Tide Team () from Listing Office: Intracoastal Realty Corporation.

Listing courtesy of Listing Agent: The Rising Tide Team () from Listing Office: Intracoastal Realty Corporation.
605 Marstellar St, Wilmington
$399,000
3 Beds ⋅ 3 Baths ⋅ 100609042 MLS
Imagine building a brand-new home that is designed around your style from the very beginning. This to-be-built 3-bedroom, 2.5-bath home offers buyers the opportunity to select finishes, colors, and design details to truly make it their own. Located just 1/2 mile from Wilmington's vibrant Satellite District, this home combines modern design, thoughtful functionality, and an incredible location. The thoughtfully designed floor plan features a bright, open living space with an oversized picture window, a spacious kitchen with quartz countertops and soft-close cabinetry, beautiful oak stairs, durable LVP flooring, and abundant storage - including two walk-in closets in the primary suite. The primary bath offers dual vanities and a spacious walk-in shower, while the fully fenced backyard provides room to relax, entertain, or enjoy the outdoors. Enjoy easy access to restaurants, coffee shops, bars, live music, and all that downtown Wilmington has to offer. Estimated build time is approximately 4-6 months, giving you the exciting opportunity to personalize your home and watch it come to life. A one-year builder warranty is included for added peace of mind. Final pricing will vary based on the buyer's selections and chosen finishes.

605 Marstellar St, Wilmington

Listing courtesy of Listing Agent: Lydia R Carr () from Listing Office: Keller Williams Innovate-Wilmington.

Listing courtesy of Listing Agent: Lydia R Carr () from Listing Office: Keller Williams Innovate-Wilmington.
138 Carl Seitter Dr, Wilmington
$350,000
3 Beds ⋅ 2 Baths ⋅ 100608745 MLS
Enjoy the best of Wilmington living with Historic Downtown less than 4 miles away and Wrightsville Beach less than 10 miles from your front door! Tucked into the friendly Wrightsboro area, 138 Carl Seitter Dr. offers the rare combination of a convenient location, generous outdoor space, thoughtful updates, and versatile living areas. Set on a large lot with plenty of room to spread out, this inviting home delivers the space and privacy buyers are looking for. The private backyard provides a wonderful setting for relaxing, gardening, entertaining, or simply enjoying the outdoors, while the spacious wooden back deck extends the living area outside. A large covered front porch with ceiling fan creates an inviting spot to enjoy your morning coffee or unwind at the end of the day. Not just one, but two outbuildings add valuable storage for lawn equipment, hobbies, tools, and outdoor gear. Inside, the open floorplan creates an easy flow for everyday living and entertaining. The remodeled kitchen is a true standout, featuring custom cabinetry with soft-close drawers, a stylish tile backsplash, butcher block countertops, a hands-free faucet, and a kitchen island topped with beautiful leathered stone. Updated light fixtures add a fresh, modern touch throughout the home, while low-maintenance vinyl flooring makes daily living easy. Brand-new carpet in the bedrooms provides a comfortable, move-in-ready feel. The primary suite offers a private ensuite bathroom with a new vanity and updated fixtures. The hall bathroom has also been thoughtfully updated with a custom walk-in shower, creating a polished and functional space for family and guests. Need more room for hobbies, a home office, fitness equipment, a workshop, or recreation? The large enclosed garage space--with its own mini-split system--offers exceptional flexibility beyond traditional garage storage. And above it all, a huge attic provides an abundance of storage space to help keep the living areas organized. With its combination of location, privacy, yard space, versatile bonus areas, and extensive updates, this is an opportunity to enjoy a comfortable Wilmington lifestyle with downtown, beaches, shopping, dining, and entertainment all within easy reach. Come see why 138 Carl Seitter Dr. is a home worth making your own!

138 Carl Seitter Dr, Wilmington

Listing courtesy of Listing Agent: Adam N Minton () from Listing Office: Keller Williams Innovate-Wilmington.

Listing courtesy of Listing Agent: Adam N Minton () from Listing Office: Keller Williams Innovate-Wilmington.
1304 S 7th St, Wilmington
$179,999
4 Beds ⋅ 2 Baths ⋅ 100608731 MLS
Investor opportunity near Downtown Wilmington with easy access to shopping, dining, entertainment, and major roadways! This 4-bedroom, 2-bath home offers plenty of potential for an investor, flipper, or buyer looking for a renovation project. Sale conveys two parcels, creating a unique opportunity to acquire additional property in close proximity to Downtown Wilmington. Property lines shown in photos are approximate and for illustrative purposes only

1304 S 7th St, Wilmington

Listing courtesy of Listing Agent: Jeannie Keim () from Listing Office: Eastern Shore Real Estate LLC.

Listing courtesy of Listing Agent: Jeannie Keim () from Listing Office: Eastern Shore Real Estate LLC.
118 Dock St Unit Apt 11, Wilmington
$252,900
1 Beds ⋅ 1 Baths ⋅ 100608662 MLS ⋅ Historic District BLDG.
TURNKEY CONDO, DEEDED ONSITE PARKING! HISTORIC DISTRICT! This is your opportunity to own a charming turnkey condo with deeded on-site parking in the heart of Wilmington's Historic District. Located on the 2nd floor and an end unit at The Livery, a beautifully restored early-1900s horse stable, this unique residence blends historic charm with modern convenience. The building offers a courtyard with a colorful mural and convenient on-site laundry. Just one block from the Riverwalk and close to downtown restaurants, shops, entertainment, and nightlife, the location is hard to beat. With a proven track record as a successful vacation rental, this condo offers an excellent opportunity for a personal getaway, investment property, or full-time residence in one of downtown Wilmington's most distinctive buildings.

118 Dock St Unit Apt 11, Wilmington

Listing courtesy of Listing Agent: Leila A Tabatabai () from Listing Office: Coastal Select Properties.

Listing courtesy of Listing Agent: Leila A Tabatabai () from Listing Office: Coastal Select Properties.
709 Wooster St, Wilmington
$229,000
2 Beds ⋅ 2 Baths ⋅ 100608578 MLS
This charming 2-bedroom, 2-bathroom bungalow offers the perfect blend of comfort and convenience in a great location. Just steps away, you can enjoy the Cargo District, South Front Street, Castle Street, the Art District, and all that downtown has to offer. The home features easy one-level living with an open living and dining area that flows into a kitchen with ample cabinet space and stainless steel appliances. The primary suite includes a walk-in closet, ensuite bath, and a convenient laundry closet with a stackable washer and dryer. A second bedroom and full bathroom provide space for guests, an office, or a creative studio. Outside, you'll find a fenced-in backyard, ideal for a small patio, garden, or your own special vision. An off-street parking spot adds extra convenience. Move-in ready and waiting for your personal touch, this bungalow offers a fantastic opportunity to live in the heart of Wilmington's thriving downtown scene.

709 Wooster St, Wilmington

Listing courtesy of Listing Agent: Aimee Sposeep () from Listing Office: REAL Broker LLC.

Listing courtesy of Listing Agent: Aimee Sposeep () from Listing Office: REAL Broker LLC.
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