Clay County Homes under $400,000

Welcome to Clay County, Texas – a hidden gem in the heart of the Lone Star State! Nestled in the scenic landscapes of North Texas, Clay County boasts a rich tapestry of history, vibrant communities, and an abundance of outdoor activities. From its charming small towns to its sprawling ranches, this area offers a unique blend of rural tranquility and modern convenience.

One of the most enticing aspects of Clay County is the real estate market, particularly for homebuyers seeking affordable options. With a variety of homes available under $400,000, this region presents an excellent opportunity for first-time buyers, families, and investors alike. Whether you’re looking for a cozy cottage in the quaint town of Henrietta or a spacious family home in the picturesque community of Bowie, you’re sure to find something that suits your needs and budget.

The homes in Clay County are not just affordable; they also reflect the warmth and character of the area. Many properties feature spacious yards, perfect for family gatherings or enjoying the beautiful Texas sunsets. The local schools are known for their commitment to quality education, making this an ideal place for families to grow and thrive.

Additionally, Clay County is rich in recreational opportunities. From fishing and hiking in the nearby lakes and parks to exploring local festivals and events, there’s always something to do. With a friendly atmosphere and a strong sense of community, Clay County is more than just a place to live; it’s a place to call home. Come discover the charm of Clay County and find your perfect home today!

Newest Clay County Homes under $400,000

$275,000

3 Beds ⋅ 3 Baths ⋅ 21423692 MLS

Welcome to this charming 2085-square-foot home that artfully combines comfort and practicality with a touch of rural elegance. Nestled within a generous expanse of lush greenery, this property is a true haven for those seeking tranquility and space. As you approach, the striking brick facade is complemented by a beautifully maintained yard, offering a welcoming setting for outdoor gatherings or quiet relaxation. Inside, the home features spacious, light-filled rooms with sleek modern finishes. The open living area, adorned with a striking brick fireplace and large windows, creates a warm and inviting atmosphere, perfect for family gatherings or entertaining guests. The kitchen is efficiently designed with contemporary cabinetry and appliances, making it a delight for both novices and culinary enthusiasts alike. Adjacent, you’ll find a versatile dining space that seamlessly connects to the living areas. Each bedroom is thoughtfully designed to provide comfort, with ample closet space and serene views of the surrounding landscape. Outside, the property is further enhanced by a variety of outbuildings, offering abundant storage options or the potential for crafting a workshop or studio space. With the perfect blend of indoor and outdoor living, this home promises a lifestyle of peace and convenience, a mere short drive from town amenities while being tucked away in its own serene pocket of bliss. Whether you’re a growing family, a hobbyist, or someone simply looking to enjoy wide open spaces, this property presents a unique opportunity to experience the best of country living.

5501 Fm 1954, Wichita Falls

$275,000

3 Beds ⋅ 2 Baths ⋅ 21415480 MLS

Charming Corner Lot Home in Henrietta Tx and the most coveted neighborhood in town! This spacious 3 bedroom, 2-bath home offers comfort, character, and convenience in a desirable neighborhood surrounded by beautiful mature trees. The inviting living area features a cozy fireplace and built-in wet bar, perfect for entertaining. The oversized primary suite boasts a custom-designed closet with abundant storage. Thoughtfully designed with handicap-accessible features, this home offers added functionality and ease of living. Outside, enjoy a fully enclosed backyard, detached garage, and additional storage buildings equipped with electricity, providing endless possibilities for hobbies, a workshop, or extra storage. Ideally situated on a corner lot within walking distance of local schools and just minutes from the highway, this property combines small-town charm with everyday convenience. A wonderful opportunity to make this inviting home your own and enjoy Clay County living at its finest!

2100 E Crafton St, Henrietta

$310,000

3 Beds ⋅ 3 Baths ⋅ 21419009 MLS

Escape the noise of the city and discover pure tranquility at 692 Plemons Drive in Henrietta, Texas. This beautifully updated 2,480 sq ft modern farmhouse sits on nearly 2 acres of lush grass with scattered mature trees, offering the perfect blend of comfort, style, and country serenity. Step inside to an inviting open-concept living and dining area, centered around a brand-new electric fireplace with custom mantel. The spacious owner’s suite features a generous bedroom, an oversized walk-in closet, and a relaxing ensuite bath with a double-sink vanity, separate tub and shower, and charming rustic barn doors. With 3 bedrooms, 2 full baths, and a convenient half bath, the home also includes a versatile bonus room ideal for an office, guest space, or additional bedroom. A fenced backyard provides a safe haven for pets. Outside, a metal shop with electricity adds valuable workspace and storage. Inside the shop, there is plenty of room for storage and space to park your vehicles. Added to the back of the shop, is a large covered deck creating the perfect setting for gatherings, cookouts, or quiet evenings under the stars. Major updates bring confidence and value: a 1-year-old metal roof, new siding, new windows, fresh interior and exterior paint, new flooring throughout the house, and a newer water well and holding tank. This is more than a home—it’s a retreat. A place where wide-open skies, gentle breezes, and quiet evenings remind you what peaceful living feels like. Come experience your own slice of paradise in Clay County. Need a lender that offers the lowest interest rates for lower payments? We have a Mortgage Concierge team ready to help you find the perfect loan and save you thousands of dollars in the process. This property is USDA-eligible! Buyers may qualify for 100% financing with low monthly payments. Ask your lender about USDA Rural Development loans.

692 Plemons Dr, Henrietta

$95,000

3 Beds ⋅ 2 Baths ⋅ 21402209 MLS

Great opportunity in Henrietta with plenty of potential! Perfect for an investor or someone looking to purchase a property and renovate it to their own taste. The home needs cleaning, updates, and TLC, but offers plenty of potential with multiple living areas, covered parking, additional storage, and a spacious backyard. Whether you’re looking for your next project or a home you can customize and make your own, this property is worth a look. Sold as is, with cash offers preferred.

515 N Angelina St, Henrietta

$349,900

3 Beds ⋅ 2 Baths ⋅ 21394678 MLS

Custom-built in Henrietta, Texas, in Clay County, this 3-bedroom, 2-bath home offers 2,026 square feet with an open layout and a separate office or possible 4th bedroom. The kitchen features abundant cabinetry and an oversized island extended with table-height seating, opening directly to the living room with laminate flooring, built-ins and a propane fireplace. The isolated primary suite includes an oversized walk-in closet and walk-in shower. Outside, the covered patio is already plumbed for propane and ready for an outdoor kitchen. Additional features include a utility room designed to double as a safe room, storage room off the attached 2-car garage, privacy-fenced backyard, in-ground sprinkler system and covered front porch. Solar panels help keep electric costs manageable, with the seller’s documented electric payments averaging approximately $114 per month over the past 10 months. Utility history is available for buyers to review. Located just blocks from Henrietta Elementary, the new Henrietta High School and Bearcat Stadium, with convenient access to everything Henrietta and Clay County have to offer.

2107 Ruffles Ln, Henrietta

$119,900

2 Beds ⋅ 1 Baths ⋅ 21393529 MLS

Seeking acreage with potential at a price that leaves room to create value? This appx 2ac property outside Henrietta offers an opportunityfor an investor, rehabber, entrepreneur, or anyone looking for a property with plenty of possibilities. Home is in need of renovation, but it offers a solid starting point, Metal roof, covered front porch, workshop & barn. The home may offer the potential for a livable residence while renovating. Bring your vision and your toolbox—this one is ready to be transformed.

3482 N Hwy 287th Hwy, Henrietta

$369,900

3 Beds ⋅ 3 Baths ⋅ 21393133 MLS

Beautiful 3-bedroom, 2.5-bath home situated on a spacious corner lot in Henrietta! This inviting home offers large, generous living area, a bright sunroom, updated bathrooms, and a new HVAC system. Step outside to your own private backyard retreat featuring a full privacy fence and swimming pool. The pool has been resurfaced and is fresh, updated, and ready to enjoy! Located just outside the city limits with city water access, offering the benefit of lower taxes!!

1701 E Spring St, Henrietta

$324,500

4 Beds ⋅ 3 Baths ⋅ 21386147 MLS

Waterfront property on Lake Arrowhead! This spacious 4 bedroom, 3 bath home sits on two leased lots totaling approximately 1.33 acres. Inside, you’ll find two living areas, a fireplace, and a large isolated primary suite complete with a private bath, walk in closet, and additional flex space currently used as an office. Outside features include a brand new dock, a floating Sea-Doo-jet ski dock, large front and back porches, fenced yard, garage, shop, and carport. The property also features a recently installed generator and a storm cellar. With waterfront access, over an acre of space, a new dock, and plenty of storage and workspace, this Lake Arrowhead property has so much to offer. New roof installed August 2026. Refrigerator and some furniture will convey with the property.

7653 Fm 2606, Henrietta

$98,500

3 Beds ⋅ 2 Baths ⋅ 21381196 MLS

Adorable 3-bedroom, 2-bath brick home offering 1,236 sq. ft. of comfortable living space. Recent updates include fresh interior paint and new carpet in the bedrooms. Features central heat and air, a fenced backyard, and a convenient storage area. Located close to schools, this charming home is ready for its next owner!

1109 E Ikard St, Henrietta

$139,000

3 Beds ⋅ 2 Baths ⋅ 21380352 MLS

Check out my new look! Fresh outside paint and a new roof! Whether you’re searching for an investment opportunity or a place to call your own, this spacious home is full of potential! Offering 1,722square feet, the home features three bedrooms, one-and-a-half baths, and new flooring throughout. The generous living space provides plenty of room for relaxing, entertaining, or creating a home that fits your needs. Outside, you’ll find a fenced corner lot offering added yard space and privacy, along with a one-car carport for convenient covered parking. With its comfortable size and recent flooring update, this property is a great option for investors or first-time homebuyers. Schedule your showing and come see the possibilities!

203 E Spg, Henrietta

$199,000

4 Beds ⋅ 2 Baths ⋅ 21355759 MLS

This 4-bedroom, 2-bath home offers 1,449 sq. ft. with an isolated primary bedroom and private bath. The interior has been freshly painted, and ceiling fans are featured in every room. Conveniently located within walking distance of nearby schools. Storage buildings in thebackyard provide extra space for tools, lawn equipment, and more.

410 N Rosalee, Henrietta

$45,000

3 Beds ⋅ 1 Baths ⋅ 21351672 MLS

Investment Opportunity in Henrietta! Unlock the potential of this property located in the heart of Henrietta, TX. Whether you're an investor looking for your next fix-and-flip, a buy-and-hold rental, or a homeowner ready to customize a property to your taste, this home offers plenty of possibilities. Conveniently situated near schools, shopping, restaurants, and major roadways, the property provides easy access to local amenities while maintaining small-town charm. With the right updates and improvements, this property has the potential to deliver excellent value. Property is being sold AS-IS.

608 E Wichita St, Henrietta

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Listings provided by North Texas Real Estate Information Systems (NTREIS). Listing data has been deemed reliable but is not guaranteed to be accurate by the MLS.

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Clay County Homes under $400,000

Newest Clay County Homes under $400,000

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