Tracy Homes under $400,000

Welcome to Tracy, Minnesota—a hidden gem nestled in the heart of southwestern Minnesota! Known for its warm community spirit and rich agricultural heritage, Tracy offers a delightful blend of small-town charm and modern conveniences. With its picturesque landscapes, friendly neighborhoods, and a vibrant local economy, Tracy is the perfect place for families, retirees, and anyone seeking a peaceful yet engaging lifestyle.

One of the standout features of Tracy is its affordable housing market, with numerous homes available for under $400,000. Whether you’re a first-time homebuyer or looking to downsize, you’ll find a variety of options that cater to all tastes and preferences. From cozy single-family homes with spacious yards to contemporary townhouses that offer a low-maintenance lifestyle, Tracy has something for everyone.

Imagine enjoying your morning coffee on a sunlit porch, taking leisurely strolls through tree-lined streets, or hosting family gatherings in your new backyard. The sense of community in Tracy is palpable, with local events, farmer’s markets, and parks that invite you to connect with your neighbors and enjoy the great outdoors.

In addition to its affordable homes, Tracy boasts excellent schools, a thriving downtown with unique shops and restaurants, and easy access to nearby recreational activities, including lakes and hiking trails. With its inviting atmosphere and affordable living, Tracy, MN, is not just a place to live—it's a place to call home. Come explore the possibilities and discover why so many are choosing to make Tracy their home sweet home!

Newest Tracy Homes under $400,000

$199,000

4 Beds ⋅ 2 Baths ⋅ 7155581 MLS

Step back in time and experience the charm of this beautifully preserved Victorian style home offering 4 Bedrooms, 2 bathroom and an exceptional blend of historic character and modern comfort. Built in the early 1900's, this stunning property showcases exquisite craftsmanship, including original woodwork, a striking Bannister staircase and rich details throughout. The upper-level features 4 spacious bedrooms and a full bathroom, providing plenty of room for family or guests. The main floor features a modern kitchen, formal dining room and a very spacious living room. The modern great room is sure to impress with an open layout, vaulted ceilings, cozy fireplace and an abundance of natural light from large windows. Enjoy your morning coffee or entertain in the evening in the private, well-shaded backyard. A newer composited deck and large Gazebo create the perfect outdoor retreat. The property also includes a second garage offering additional parking and overhead storage-- ideal for hobbies, vehicles or extra space. A rare opportunity to own a timeless Victorian home where history and modern living come together seamlessly.

136 North Street, Tracy

Listing courtesy of Real Estate Retrievers LLC.

$210,000

3 Beds ⋅ 3 Baths ⋅ 7153405 MLS

Lots of main-floor living, natural light, and a great backyard! This beautifully maintained ranch-style home is located near the Tracy Aquatic Center and offers 2,182 sq. ft. on the main floor with 3 bedrooms, 2 bathrooms, multiple living areas, and an attached garage. The private owner’s suite features a full bath with dual sinks. A finished shop area behind the garage adds flexible space for a workshop, hobbies, or bonus room. The unfinished basement houses the laundry and an additional ¾ bath with shower. Quality upgrades include a ProVia Legacy front door, GenStone wainscoting, steel siding, Andersen windows, Gutter Helmet, Hunter Douglas blinds, and comfort-height toilets. Additional updates include re-insulation and shingles in 2010, furnace in 2013, water heater in 2023, and a city-compliant sewer main completed and paid in full in 2026. Outside, a 255 sq. ft. composite deck and cement patio overlook the spacious backyard. All appliances are included. With generous main-floor space, quality updates, and a layout that has been exceptionally well cared for.

207 E Hollett Street, Tracy

Listing courtesy of Edina Realty, Inc..

$39,900

2 Beds ⋅ 1 Baths ⋅ 7150779 MLS

225 Union Street in Tracy offers 2 bedrooms, 1 bathroom, and a detached 2-car garage. Recent improvements include new roofs on both the house and garage in August 2026, fresh paint on the garage, and three new windows.

225 Union Street, Tracy

Listing courtesy of EXIT Realty - Great Plains.

$215,000

3 Beds ⋅ 2 Baths ⋅ 7148129 MLS

This well cared for home offers comfortable living with spacious master bedroom featuring a large walk-in closet. The main floor includes a convenient laundry and plenty of functional living space. Upstairs, you’ll find two additional bedrooms, providing room for family, guest, or a home office. Outside the property offers a detached two car garage, providing extra parking and storage. Take the time to see all this home has to offer!

425 Hollett Street, Tracy

Listing courtesy of Murrayland Agency, Inc..

$133,500

2 Beds ⋅ 2 Baths ⋅ 7141549 MLS

Welcome to 124 E [Street Name] in Tracy! This 2-bedroom, 2-bathroom single-family home features a functional layout and inviting living spaces. The main level offers a living room, kitchen, two bedrooms and a full bathroom. The finished basement adds valuable living space along with a second full bathroom, providing flexibility for additional living, recreation or storage needs. A detached garage offers convenient parking and additional storage. With a practical floor plan and space on both levels, this Tracy home offers a variety of possibilities for its next owner.

124 E Emory Street, Tracy

Listing courtesy of Edina Realty, Inc..

$99,000

2 Beds ⋅ 1 Baths ⋅ 7144954 MLS

Affordable housing in Tracy! You are looking at it! Perfect investment home, starter home, small family, or elderly. Everything on one level. Immaculate condition with numerous upgrades, including modern windows, up graded bathroom, flooring, paint. Includes washer dryer, stove and refrigerator. Minimum maintenance yard with two car garage, Ramp, and Deck to entry. This is a cozy little home in Tracy which has an aquatic center, recreation center, hospital, grocery store, bank, restaurants, convenience store, numerous churches and parks and not far from Lakes...

273 E Morgan Street, Tracy

Listing courtesy of Real Estate Retrievers LLC.

$400,000

3 Beds ⋅ 2 Baths ⋅ 7122338 MLS

Welcome to your own private oasis on beautiful Lake Shetek! Tucked away at the end of Sandbar Road, this 3-bedroom, 2-bath manufactured home sits on just shy of an acre surrounded by mature trees, offering a peaceful setting with plenty of privacy. The home features a walkout basement and attached heated garage, plus great parking with room for guests, boats and lake toys. Whether you're looking for a year-round home, weekend getaway, or the perfect spot to enjoy fishing, boating and everything lake life has to offer, this property has it all. Located in the Tracy School District with rural water. Come see what life at the lake is all about!

88 Sandbar Road, Tracy

Listing courtesy of Edina Realty, Inc..

$120,000

3 Beds ⋅ 2 Baths ⋅ 7122034 MLS

Looking for a start home? Here is an affordable 2 story home with all a person needs with 3 bedrooms, 2 bathrooms, fenced in yard, and a detached 2 car garage! The home has many updates from updated windows, newer modern lighting, updated kitchen cabinets and hvac units installed in 2021. Call for a showing today!

137 State Street, Tracy

Listing courtesy of Weichert REALTORS Tower Properties.

$230,000

3 Beds ⋅ 2 Baths ⋅ 7067529 MLS

Welcome home to this charming 3-bedroom, 2-bath ranch style home! You'll love relaxing on the covered deck overlooking the backyard, offering the perfect space for entertaining or enjoying a quiet evening. Large established trees create the perfect amount of shade coverage to be able to truly enjoy the yard to its fullest potential! The open concept main floor living also offers great space for entertaining or spacious family living. The kitchen is overflowing with cabinets offering ample amount of storage space. A spacious 3 stall-garage provides plenty of room for vehicles, storage, and hobbies. It also has a great built-in bar that creates an additional hangout space! With comfortable one-level living and great outdoor space, this home is one you won't want to miss! Seller is happy to answer any questions regarding the home. Reach out to listing agent for number.

431 Spring Street, Tracy

Listing courtesy of Edina Realty, Inc..

$199,000

3 Beds ⋅ 2 Baths ⋅ 7110548 MLS

Welcome to this beautifully maintained home offering 1848 sq. ft. of comfortable living space. This move-in ready property features 3 bedrooms and 2 full bathrooms, including a private primary suite. The attached 2 car garage provides convenient parking and extra storage. Situated on a spacious corner lot, the home offers a private backyard complete with a a deck and patio-perfect for relaxing or entertaining. The backyard is wired for a hot bub and also features a garden plot, established perennial flower beds, and rhubarb and asparagus, adding both beauty and homegrown harvests year after year. Recent updates include -New air conditioner ( 2019) -New shingles (2022) -Brand new flooring 2026 With its thoughtful updates, established landscaping, and inviting outdoor spaces, this home is truly move-in ready and waiting for you to enjoy!

741 Greenwood Avenue, Tracy

Listing courtesy of Real Estate Retrievers LLC.

$100,000

4 Beds ⋅ 2 Baths ⋅ 7096643 MLS

Full of timeless character and classic craftsmanship, this charming 4-bedroom, 2-bath two-story home is sure to impress. From the beautiful open staircase and elegant columns to the stunning coffered ceiling and rich wood accents in the formal dining room, every detail reflects the home's original charm. The inviting three-season porch and the back deck offer the perfect places to relax, while the partially finished basement adds a comfortable family room for extra living space and storage. Recent updates, including new vinyl siding and several mechanical improvements, provide added peace of mind while preserving the home's historic appeal. If you appreciate homes with warmth, personality, and architectural character, this is one you won't want to miss!

313 Hollett Street, Tracy

Listing courtesy of Edina Realty, Inc..

$195,000

3 Beds ⋅ 2 Baths ⋅ 7100649 MLS

Celebrate America's 250th Anniversary in this charming Colonial filled with timeless character! From the moment you step inside, you'll fall in love with the beautiful hardwood floors, elegant coffered ceilings, and inviting gas fireplace that create a warm, welcoming atmosphere. Downstairs, a spacious family room features a second wood-burning fireplace, perfect for cozy Minnesota evenings. Freshly painted throughout, with new flooring in the lower level, this 3-bedroom, 2-bath home is move-in ready. Outside, the newly built heated two-car garage and a large fenced backyard provide space for entertaining, gardening, or simply enjoying the outdoors. Mature trees lining the boulevard add to the home's picturesque curb appeal. If you've been searching for a home with authentic charm, thoughtful updates, and a story to tell, this North Street home in Tracy is one you won't want to miss.

200 North Street, Tracy

Listing courtesy of Edina Realty, Inc..

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