Stillwater Homes under $400,000

Welcome to Stillwater, Oklahoma – a charming city that beautifully blends small-town warmth with vibrant community spirit. Nestled in Payne County, Stillwater is not just home to Oklahoma State University; it’s a thriving hub of culture and opportunity. With a rich history, picturesque parks, and a lively downtown area, Stillwater offers residents an engaging lifestyle filled with local art, music, and culinary delights.

For those seeking a place to call home, Stillwater boasts a diverse range of properties, including an impressive selection of homes under $400,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, you’ll find a variety of options that cater to your needs and budget. From charming bungalows with character to modern family homes with spacious backyards, the real estate market here is as inviting as the community itself.

Imagine settling into a cozy home just minutes away from the vibrant campus life, enjoying the scenic beauty of Boomer Lake, or exploring the numerous parks and trails that make Stillwater a haven for outdoor enthusiasts. The affordability of homes in this area means that you can enjoy all the amenities of a lively city without breaking the bank.

With its friendly atmosphere, excellent schools, and a strong sense of community, Stillwater is more than just a place to live; it’s a place to thrive. Come explore the possibilities and discover why so many are choosing to make Stillwater their home. Your dream home awaits!

Newest Stillwater Homes under $400,000

$355,000

5 Beds ⋅ 3 Baths ⋅ 1251007 MLS

1919 E Kelsey Ln is a two-story Stillwater detached home with spacious living areas and flexible rooms across both levels. The kitchen provides extensive cabinetry, generous counter space, and appliances, with an adjoining dining area for everyday meals. A fireplace anchors the main living area, while additional rooms support work, recreation, or storage needs. The primary bedroom is paired with a bathroom featuring double sinks, a tub, and a separate shower. A covered patio extends into the fenced backyard for outdoor use, and the two-car garage provides parking and additional storage. This residence combines practical circulation with useful indoor and outdoor spaces throughout.

1919 E Kelsey Lane, Stillwater

$249,900

3 Beds ⋅ 2 Baths ⋅ 1251010 MLS

The MURROW floor plan is the perfect home for just about anyone. With a large kitchen that opens to the heart of the home living room and an outdoor space with a covered patio; you'll have a wonderful home for entertaining or just stretching out. Tremendous cabinets and counter space make the kitchen great for your inner chef to create wonderful dishes. The master and spare bedrooms will accommodate just about any furniture you need and have plenty of storage. Everything's Included : Washer/Dryer- Refrigerator- Garage Door Opener ; Closing Cost assistance available. Home is currently under construction with anticipated completion in October.

2008 W 31st Avenue, Stillwater

$230,500

3 Beds ⋅ 2 Baths ⋅ 1250955 MLS

The FOSTER floor plan is a single-story home that blends style with functionality. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with a private bathroom. Down the hall is the free-flowing main living area, which includes a kitchen with a center island, a welcoming family room and a dining room with a covered rear patio. A convenient two-car garage completes the home. Everything's Included : Washer/Dryer- Refrigerator- Garage Door Opener ; Closing Cost assistance available. Prices, dimensions and features may vary and are subject to change. Photos are for illustrative purposes only. Home is currently under construction with anticipated completion in September.

2010 W 30th Place, Stillwater

$221,000

3 Beds ⋅ 2 Baths ⋅ 1250925 MLS

The KESWICK floor plan presents a stylish and inviting home design, featuring 3 bedrooms, 2 bathrooms, and a convenient 2-car garage. This home includes a spacious master suite and a modern kitchen equipped with ample counter space, and a generous pantry. The open floor plan enhances the flow between living areas, promoting a sense of spaciousness and connectivity throughout. Everything's Included : Washer/Dryer- Refrigerator- Garage Door Opener ; Closing Cost assistance available. Home is currently under construction with anticipated completion in September.

2014 W 30th Place, Stillwater

$230,500

3 Beds ⋅ 2 Baths ⋅ 1250921 MLS

2014 W 30th Avenue, Stillwater

$233,600

3 Beds ⋅ 2 Baths ⋅ 1250918 MLS

The WRIGHT floor plan is the perfect home for new home owners. This Unique floor plan offers great space where it is needed most. From the Huge master bedroom with included master bath with an enormous walk in closet, to the large covered patio this home is sure to be the perfect home for your family. This home is equipped with a spacious living room that overlooks an incredible kitchen that is perfect for entertaining guests. Kitchen has great counter top space, while having a large area for a good size dining table. Everything's Included : Washer/Dryer- Refrigerator- Garage Door Opener ; Closing Cost assistance available. Home is currently under construction with anticipated completion in October.

2006 W 30th Place, Stillwater

$260,000

3 Beds ⋅ 2 Baths ⋅ 1250678 MLS

This beautiful 3-bedroom, 2-bath home, built in 2012 by Ideal Homes, offers a popular floor plan, energy-efficient features, and a fantastic location approximately 1.5 miles from Oklahoma State University! Welcome to Boardwalk Estates- a charming, single-street, cul de sac neighborhood! This home offers convenient access to campus and all things Stillwater. Pull out of the driveway, turn right onto Virginia Avenue, and head up the street about a half a block, where you’ll top the hill and see Boone Pickens Stadium straight ahead! Shopping, dining, fitness facilities, fuel, and other everyday conveniences are approximately half a mile away. Step inside to an inviting open-concept kitchen, living, and dining area, functional for everyday use and perfect for entertaining. The spacious kitchen features abundant maple cabinetry, granite countertops, stainless steel appliances (that stay with the home), a breakfast bar, and a pantry. A versatile flex space offers many possibilities as a formal dining room, home office, playroom, or whatever suits your lifestyle! The living area showcases beautiful luxury laminate wood plank flooring, the flex space, kitchen and kitchenette all feature tile. The primary suite has plenty of room to fit a king sized bed and features luxury laminate wood plank flooring, an en-suite bathroom, and a walk-in closet. The split floor plan allows for privacy in the primary suite. This home sports neutral paint throughout, including fresh paint in two bedrooms and a bathroom. Enjoy outdoor living on the covered front and back patios and a fully fenced backyard. The attached two-car garage includes a storm cellar for added peace of mind. Energy-efficient features include a fresh-air ventilation system, blown-in fiberglass insulation, and low-emissivity, vinyl-framed windows. This property features location, thoughtful design, and practical amenities, come take a look! Call our office to schedule your showing today.

106 N Boardwalk Street, Stillwater

$299,900

4 Beds ⋅ 2 Baths ⋅ 1250601 MLS

BRAND NEW ROOF SEPTEMBER 2026! Move-in ready, this adorable 4-bedroom home sits on a quiet one-way, single-street cul-de-sac and features fresh interior paint and rich dark wood cabinetry throughout. The kitchen offers granite countertops, stainless steel appliances, and a split floor plan that provides comfortable separation between living spaces. Both bathrooms are upgraded with granite countertops, and the primary suite includes a separate tub and shower along with dual sinks for added convenience. The utility room is a standout with its granite folding counter, built-in storage, and hanging bar, creating an efficient and functional workspace. The backyard is lined with mature trees along the back property line, offering privacy and shade, plus a covered patio ideal for relaxing or entertaining. Conveniently located 1.8 miles m/l from Oklahoma State University and 0.8 miles m/l from restaurants, a coffee shop, grocery options, and a variety of other businesses, this home blends comfort, convenience, and value.

204 N Boardwalk Street, Stillwater

$254,900

3 Beds ⋅ 2 Baths ⋅ 1250430 MLS

The FOSTER floor plan is a single-story home that blends style with functionality. Two secondary bedrooms share a bathroom in the hall at the front of the home, while the owner’s suite is tucked into the back corner with a private bathroom. Down the hall is the free-flowing main living area, which includes a kitchen with a center island, a welcoming family room and a dining room with a covered rear patio. A convenient two-car garage completes the home. Prices, dimensions and features may vary and are subject to change. Photos are for illustrative purposes only. Everything's Included: Washer/Dryer, Refrigerator, Garage Door Opener; Closing Cost assistance available. Home is currently under construction with anticipated completion in October.

3021 Buffalo Drive, Stillwater

$238,900

3 Beds ⋅ 2 Baths ⋅ 1250419 MLS

The WRIGHT floor plan is the perfect home for new home owners. This Unique floor plan offers great space where it is needed most. From the Huge master bedroom with included master bath with an enormous walk in closet, to the large covered patio this home is sure to be the perfect home for your family. This home is equipped with a spacious living room that overlooks an incredible kitchen that is perfect for entertaining guests. Kitchen has great counter top space, while having a large area for a good size dining table. Everything's Included: Washer/Dryer, Refrigerator, Garage Door Opener; Closing Cost assistance available. Home is currently under construction with anticipated completion in October.

3037 Buffalo Drive, Stillwater

$377,900

3 Beds ⋅ 2 Baths ⋅ 1235060 MLS

Stunning Builder's Model for sale in Stillwater! Be the first to live in this practically new, never occupied 3-bedroom home with designer upgrades galore! The open concept floorplan offers a private study and spacious living/dining layout with a well-appointed chef's kitchen right in the midst of it all! You'll love the built-in stainless-steel appliances with gas range, a large island/breakfast bar, and farm sink as well as uniquely tiled backsplashes and large pantry! The electric fireplace and numerous windows add a cozy, cheerful vibe to the living area! Retreat to the primary suite where you are greeted with lots of natural light and a full bathroom, boasting 2 separate vanities, a soaking tub, tiled walk-in shower, and huge closet! Other perks of this great home include an oversized, insulated 2 car garage, large laundry room and drop zone/bench for those bags, coats, and shoes, and a covered back patio overlooking a nice-size fully fenced yard! Corner lot! Owner licensed.

208 E Copper Canyon Avenue, Stillwater

$190,000

2 Beds ⋅ 1 Baths ⋅ 1249349 MLS

Escape the hustle and come home to your own peaceful piece of Oklahoma! Nestled on approximately 2 acres just minutes from Stillwater, this charming 2-bedroom, 1-bath home offers the space, privacy and country lifestyle you’ve been looking for. Inside, you’ll find a cozy, easy-to-maintain layout that feels like home, while outside is where this property truly shines. Spend quiet mornings on the covered patio, enjoy evenings under the wide-open Oklahoma sky, or take advantage of the extra acreage for gardening, outdoor activities and simply having room to breathe. Mature trees add to the peaceful setting, while a storage shed/outbuilding provides additional space for tools, equipment or hobbies. Complete with a durable metal roof and the convenience of being close to Stillwater, this acreage property offers the best of country living without feeling far from town. If you’ve been searching for a Stillwater home with acreage, privacy and room to make your own, 5608 Jesse Ln is ready to welcome you home.

5608 Jesse Lane, Stillwater

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