Mount Vernon Homes under $400,000

Welcome to Mount Vernon, Texas – a charming town nestled in the heart of Franklin County, where Southern hospitality meets small-town charm. Known for its picturesque landscapes and friendly community, Mount Vernon offers a serene escape while still providing easy access to larger urban centers. With a rich history dating back to the mid-1800s, this quaint town boasts beautiful parks, local shops, and a vibrant arts scene that reflects the spirit of its residents.

For those seeking an affordable and welcoming place to call home, Mount Vernon is a treasure trove of opportunities. With homes available under $400,000, you can find a variety of options that cater to diverse lifestyles and preferences. Whether you’re looking for a cozy cottage, a spacious family home, or a charming ranch-style abode, Mount Vernon has it all. The real estate market here is thriving, with properties that often feature beautiful yards, modern amenities, and the potential for customization to make your dream home a reality.

Living in Mount Vernon means enjoying a slower pace of life, where you can savor the beauty of nature, take leisurely strolls through the historic downtown, or participate in community events that bring everyone together. The town also boasts excellent schools and recreational facilities, making it an ideal place for families.

Discover the charm of Mount Vernon and explore the incredible homes available under $400,000. Your dream home awaits in this delightful Texas town!

Newest Mount Vernon Homes under $400,000

$399,900

3 Beds ⋅ 2 Baths ⋅ 21408019 MLS

Welcome to East Texas living on approximately 2.08 acres in Franklin County! Located within Mount Vernon ISD and less than 10 minutes from Lake Cypress Springs public boat ramp and less than 20 minutes from Lake Bob Sandlin! Short commute of 30 minutes to Mount Pleasant or Sulphur Springs and just 20 minutes from Winnsboro! This 3 bedroom, 2 bath home with over 2000 square feet of living space offers a functional blend of comfort and country living with numerous updates throughout. Fresh interior paint, granite kitchen countertops, crown molding, updated fixtures, and an updated ROOF and HVAC system (2017) add to this home's appeal. Fiber Optic Internet provides excellent connectivity for today's lifestyle or working from home! The floor plan offers two living areas, or the option to use one as a spacious formal dining area, with plenty of room for family gatherings or entertaining. Step onto the oversized covered back patio to take in the privacy and tranquility of the property. A standout feature is the workshop complete with a fully finished heated and cooled space that can function as a craft room, at home office, or even a private guest room! This space also offers protected tool and equipment storage or extra covered parking! Property has a brand new survey and is deed restricted but does not have an HOA. CALL today to schedule your private showing!

257 Se County Road 4280, Mount Vernon

$205,000

2 Beds ⋅ 1 Baths ⋅ 21405106 MLS

This beautifully maintained 2-bedroom, 1-bath home has been cared for with love and pride for years. Thoughtfully renovated throughout, it offers modern comfort while preserving its warm, welcoming character. Inside, you’ll find bright, inviting living spaces with fresh updates, a functional kitchen, and comfortable bedrooms. Every detail reflects the care the owners have poured into this home from the quality finishes to the thoughtful improvements that make daily living a pleasure. Outside, the generous half-acre lot provides plenty of room to breathe, play, and entertain. Enjoy peaceful mornings on the porch or create your own backyard oasis. A spacious storage building in the back offers excellent workshop, hobby, or extra storage space. Whether you’re a first-time buyer, looking to downsize, or seeking a peaceful retreat with room to grow, this lovingly updated home is ready for its next chapter. Don’t miss your chance to own this gem!

508 Fleming St, Mount Vernon

$315,000

4 Beds ⋅ 2 Baths ⋅ 21399019 MLS

Neat, solid 4-bedroom, 2-bath brick home with 2-car carport on about 1.38 acres, just over a mile from Mt. Vernon. This home features a split bedroom arrangement with the main suite on one side of the house and the other three bedrooms and a full bath on the other side. The vaulted great room has a wood-burning fireplace. A spacious dining area can accommodate a large table and is positioned just off the kitchen. The kitchen has lots of cabinet and counter space and includes an island. Appliances include an electric cooktop, double ovens a dishwasher and fridge. The utility room sits just behind the kitchen, and an adjacent outside door opens onto the carport. The back yard is surrounded by a privacy fence and also contains a metal 8x16 storage building.

26 County Road 2045, Mount Vernon

$107,100

2 Beds ⋅ 2 Baths ⋅ 21374589 MLS

This property features a one-story brick home on a large lot, an attached carport, and a covered patio. The home has three living areas with a large dining room. Good location in established neighborhood near the downtown area. The huge lot features a large backyard with partial fencing and various landscaping. The home has central heat and air and a metal roof. The home needs some TLC, however, the price reflects this.

402 Keith St, Mount Vernon

$379,000

3 Beds ⋅ 3 Baths ⋅ 21336424 MLS

Great Find just outside of town. Less than 10 minutes from downtown Mount Vernon. Come check out this great 3-bedroom, 3-bath brick main home plus it also has a separate mother-in-law cottage and a workshop all sitting on 3.5 acres in a private country setting. This multi-generational property has it all. Vaulted wood ceilings frame the living area in the house, while a stone, wood burning stove keeps things cozy. Big bedrooms, spacious baths and an island kitchen make this home perfect for entertaining. The guest house cottage is full size with its own kitchen, bath and fireplace in the open concept kitchen and living area. The large metal workshop is great for your projects and storage and also has a large, attached carport and separate electric meter. The main house has a large front porch, attached 2 car garage and large bedrooms. Come take a look before this great opportunity is gone. Sold AS-IS.

511 County Rd Sw, Mount Vernon

$199,000

2 Beds ⋅ 1 Baths ⋅ 21330855 MLS

Country Living Just Minutes from Historic Downtown Mount Vernon! Don’t miss this charming 2BR-1BA home situated on just over one acre just outside the city limits of Mount Vernon, Texas. Offering the perfect combination of country living & small town convenience, this home is ready for you to add your own personal style with your choice of paint & flooring. Inside, you’ll find an oversized kitchen & dining area featuring custom cabinetry that opens into a spacious living room, creating the perfect space for entertaining family and friends. The home also offers two generous bedrooms with walk-in closets & a beautifully designed custom bathroom. Enjoy peaceful East Texas mornings & evenings from the full length covered front & back porches overlooking the spacious yard. The property is fully fenced with a 5 foot chain-link fence, & includes a brand-new aerobic septic system, providing added value & peace of mind. Located only one minute from the shopping, restaurants, schools, and entertainment of downtown Mount Vernon, & just minutes from Lake Cypress Springs, this property is ideally positioned for enjoying everything East Texas has to offer. Conveniently located approximately 100 miles east of Dallas along Interstate 30. Whether you’re looking for your first home, a weekend getaway, or a peaceful place to call home, this property offers incredible potential and is priced to sell.

175 County Road 1010 Nw, Mount Vernon

$249,000

3 Beds ⋅ 2 Baths ⋅ 21298258 MLS

Welcome home to this beautifully maintained and updated property situated on a spacious half-acre corner lot in the heart of Mount Vernon! Conveniently located within walking distance of Mount Vernon ISD, this charming 3-bedroom, 2-bath home offers the perfect combination of comfort, functionality, and modern updates. Inside, you'll find updated bathrooms, new windows, upgraded lighting, and a move-in-ready interior designed for easy living. The versatile floor plan provides plenty of space for family, guests, or a home office. Start your mornings in the bright and inviting sunroom, where you can relax with a cup of coffee while overlooking the expansive backyard and mature corner lot setting. Outside, the property continues to impress with a large storage building complete with electricity, an oversized carport for multiple vehicles, and a dedicated RV carport featuring a 30-amp hookup, perfect for storing your camper, trailer, or motorhome. Home also boasts a brand new roof completed in June of 2026. With its desirable location, practical updates, and exceptional outdoor amenities, this Mount Vernon gem is ready to welcome its next owner. Don't miss your opportunity to make it yours!

100 Vatra St, Mount Vernon

$214,900

3 Beds ⋅ 2 Baths ⋅ 21265712 MLS

Attention....New Roof installed July 2026. Welcome home to this charming 3-bedroom, 2-bath property tucked away on a quiet dead-end street with no drive-through traffic. Enjoy cozy evenings by the wood-burning fireplace and effortless indoor-outdoor living with French doors that open toa covered patio overlooking a large, fenced backyard—perfect for entertaining, pets, or play. The attached 2-car garage offers excellent functionality with built-in wall cabinets and a work shelf, plus extra side concrete parking ideal for an additional vehicle, boat, or camper. Outdoor enthusiasts will appreciate the raised garden beds, ready for your next growing season. Enjoy the small-town feel while still being conveniently close to schools, shopping, and local amenities. This home offers comfort, practicality, and value—all in a peaceful setting. The home no longer has solar panels. New pictures coming soon.

524 Park Ln, Mount Vernon

$290,000

3 Beds ⋅ 3 Baths ⋅ 21248385 MLS

Move-In Ready Living Without the Work — Newer Construction in Mount Vernon If you’ve been looking at homes and keep running into properties that need updating, repairs, or constant maintenance — this one offers a different experience. This 3-bedroom, 3-bath home was built with modern living in mind, giving you the benefit of newer construction without the wait or uncertainty of building. From the moment you walk in, you’ll notice the clean, open feel created by tall ceilings, natural light, and a layout that actually works for everyday life. Designed for comfort and efficiency, the home features full spray foam insulation, helping keep energy costs down while maintaining a comfortable indoor environment year-round. The kitchen and living areas flow naturally together, making it easy to relax, host, or simply enjoy the space without feeling closed in. Step outside to a fully fenced backyard — perfect for pets, outdoor time, or low-maintenance living. Tucked away on a quiet street, you get a sense of privacy while still being just minutes from downtown Mount Vernon. For buyers who want something that’s clean, functional, and ready to go without the projects — this home is worth a closer look.

109 Baker St, Mount Vernon

$285,000

3 Beds ⋅ 2 Baths ⋅ 21205535 MLS

BUILDING SOON! Don't wait on this new construction home located just outside the city limits of Mt. Vernon in Limousin Oak Trails Subdivision, and addition with minimal restrictions to protect your investment with no HOA. Located across from the Franklin County Sports Complex, this thoughtfully designed floorplan offers 1,436 sq. ft. of main living space and sits on a spacious half acre lot. Highlights include: 3 comfortable bedrooms & 2 full bathrooms Open-concept living area with modern finishes Attached 2-car garage Peaceful location with quick access to town amenities Perfect for first-time buyers or anyone looking for the convenience of new construction without city taxes. Home comes with a one-year builder's warranty issued from closing day!

118 Windjammer Rd, Mount Vernon

$275,000

3 Beds ⋅ 2 Baths ⋅ 21204357 MLS

CURRENTLY UNDER CONSTRUCTION! Don't wait on this new construction home located just outside the city limits of Mt. Vernon in Limousin Oak Trails Subdivision, and addition with minimal restrictions to protect your investment with no HOA. Located across from the Franklin County Sports Complex, this thoughtfully designed split floorplan offers 1,382 sq. ft. of main living space and sits on a spacious over half acre corner lot. Highlights include: 3 comfortable bedrooms & 2 full bathrooms Open-concept living area with modern finishes Attached 2-car garage Great location with quick access to town amenities Perfect for first-time buyers, or anyone looking for the convenience of new construction without city taxes. Home comes with a one-year builder's warranty issued from closing day! Picture is a rendering of the front exterior.

86 Windjammer Rd, Mount Vernon

$255,000

3 Beds ⋅ 2 Baths ⋅ 21205407 MLS

BUILDING SOON! Don't wait on this new construction home located just outside the city limits of Mt. Vernon in Limousin Oak Trails Subdivision, and addition with minimal restrictions to protect your investment with no HOA. Located across from the Franklin County Sports Complex, this thoughtfully designed split floorplan offers 1,283 sq. ft. of main living space and sits on a spacious half acre lot. Highlights include: 3 comfortable bedrooms & 2 full bathrooms Open-concept living area with modern finishes Attached 2-car garage Peaceful location with quick access to town amenities Perfect for first-time buyers, or anyone looking for the convenience of new construction without city taxes. Home comes with a one-year builder's warranty issued from closing day!

102 Windjammer Rd, Mount Vernon

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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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