Fannin County Homes under $400,000

Welcome to Fannin County, Texas – a hidden gem in the heart of the Lone Star State! Nestled in the northeastern part of Texas, Fannin County boasts a rich tapestry of history, natural beauty, and a close-knit community atmosphere. Known for its picturesque landscapes, charming small towns, and warm Southern hospitality, this county is an ideal place for families, retirees, and anyone looking to embrace a simpler, more fulfilling lifestyle.

Fannin County is home to several vibrant communities, including Bonham, the county seat, which offers a delightful blend of historic charm and modern conveniences. Residents enjoy access to beautiful parks, recreational activities, and a variety of local shops and restaurants that showcase the area’s unique character. The county is also known for its excellent schools, making it a great choice for families seeking a nurturing environment for their children.

For those in search of affordable housing options, Fannin County has a variety of homes available for under $400,000. Whether you’re looking for a cozy single-family home, a charming cottage, or a spacious property with room to grow, you’ll find a range of choices that fit your budget and lifestyle. Many of these homes feature beautiful landscapes, modern amenities, and a sense of community that is hard to find in larger cities.

With its affordable real estate market and welcoming atmosphere, Fannin County is not just a place to live; it’s a place to thrive. Discover your dream home in this enchanting county and experience all that Fannin has to offer!

Newest Fannin County Homes under $400,000

$159,000

3 Beds ⋅ 2 Baths ⋅ 21400502 MLS

Great opportunity in Honey Grove! This home underwent an extensive remodel approximately 3 years ago, including the addition of a bedroom and second bathroom, interior updates throughout, and foundation repairs. After being tenant-occupied for the past 3 years, the property is ready for some TLC and has experienced some foundation movement. Buyers have options—purchase AS-IS at a price that allows room to make improvements and build equity, or the seller is open to completing agreed-upon repairs with an acceptable offer and approved financing. A great opportunity for a buyer looking to customize a home and add value!

903 14th St, Honey Grove

$270,000

3 Beds ⋅ 2 Baths ⋅ 21389792 MLS

Charming ranch-style home nestled on just over half an acre in peaceful Trenton, TX! This adorable 3-bedroom, 2-bathroom home offers a comfortable layout with spacious bedrooms and plenty of room to enjoy the outdoors. The interior features fresh paint throughout, creating a clean and refreshed feel, while the roof was newly replaced in September 2026. Step outside to a covered patio overlooking the large backyard, shaded by beautiful, mature trees, offering plenty of space for entertaining, gardening, pets, or simply enjoying the peaceful setting. A storage shed provides additional convenience for tools and outdoor equipment. Ideally located just minutes from Trenton High School and HWY 121, this property offers the charm of small-town living with everyday conveniences nearby. A wonderful opportunity for anyone looking for a well-maintained home with space to spread out! Fiber internet has been added to the property, offering high-speed connectivity for work and everyday living. Buyer's agent to verify all info.

1622 Fm 815, Trenton

$235,000

4 Beds ⋅ 2 Baths ⋅ 21399800 MLS

Rare multi-home property offering space, flexibility, and built-in value in the quiet community of Bailey. This .75-acre property includes two separate homes: a 4-bedroom main mobile home plus a charming 2-bedroom cottage, ideal for multi-generational living, rental income, or a private guest retreat which features approximately 1500 sq ft, durable LVP flooring in main areas, and cozy carpeted bedrooms. Enjoy outdoor living on the covered wooden deck, perfect for morning coffee or evening relaxation. The high-end appliances stay with the home, such as washing machine, dryer, and commercial upright freezer. The second home is a 2-bedroom, single bath cottage offering additional living space, guest accommodations, or investment potential. Each home includes two- car carport, a large storage shed, and a spacious yard suited for projects, gardening, or outdoor enjoyment. Conveniently located about 15 miles from Bonham, this property offers peaceful small-town living with easy access to shopping, dining, and everyday amenities. A versatile setup with two homes, multiple outbuildings, and modern updates—a standout opportunity ready for your next chapter.

112 Se Front St, Bailey

$163,500

2 Beds ⋅ 1 Baths ⋅ 21400943 MLS

Welcome to this charming 1,178 sq. ft. home nestled on nearly half an acre, offering 2 bedrooms and 1 bathroom, plus a flexible front room that could be used as a bedroom or living room. The spacious, tree-shaded lot features beautiful, mature pecan trees, creating a peaceful outdoor setting with plenty of room for kids to play, pets to roam, or simply enjoy the extra space. A 21’ x 23’ workshop with electricity provides even more versatility—perfect for projects, hobbies, storage, or a dedicated workspace. With its generous lot, mature trees, workshop, and abundant outdoor space, this property offers plenty of opportunity to make it your own and enjoy a little more room to spread out and relax.

1115 S 6th St, Bonham

$369,900

3 Beds ⋅ 2 Baths ⋅ 21399645 MLS

If these walls could talk, what stories they would tell! Built in 1906, this gracious home welcomes you with a wraparound porch made for lingering afternoons and conversations that last until dusk. Inside, original woodwork, including doorframes and molding ordered long ago from Sears Roebuck, preserves the craftsmanship and character of another era. A front foyer stairway sets the scene, while a second staircase from the utility room offers another route upstairs. The downstairs layout includes a parlor, living room, formal dining room, kitchen and utility room. Decorative fireplaces grace both the parlor and living room; neither is operational and are for decorative purposes, only. For those envisioning a downstairs retreat, the living room could serve as a primary bedroom with an adjoining bathroom, also accessible from the formal dining room, while the parlor becomes the main gathering space. Upstairs, three bedrooms await, along with a versatile bonus room most recently used as an office. Formerly an upstairs kitchen, it retains a sink and built-in cabinets and offers potential for an additional bedroom with modifications. The upstairs bathroom, accessible from the hallway or a bedroom, features a clawfoot tub and shower. Two stained-glass windows add jewel-toned charm, complemented by a leaded-glass window display on the front porch. A two-car carport and metal storage building with electricity offer everyday convenience. Rich with history and room for your own next chapter, this home invites you to slow your pace, pull up a porch chair and stay awhile.

905 8th St, Honey Grove

$220,000

2 Beds ⋅ 1 Baths ⋅ 21392931 MLS

Come tour this pristine single story 2 bedroom home situated on a .425 acre lot nestled in the desirable Lindawood Acres Neighborhood. This charming brick residence features a flexible floor plan with beamed ceilings, cozy fireplace, and and warm laminate wood flooring throughout. (no carpet) The kitchen offers ample cabinetry, a breakfast bar, and an adjoining dining room that creates a functional inviting space for meals and conversation. The spacious bedrooms ensure comfort and generous closet space. Large 2-car garage includes expanded storage capacity. Savor outdoor living in the expansive backyard with majestic mature trees, perfect for a garden, play area or outdoor entertaining. Located just minutes from Downtown Bonham, schools, VA Medical Center and local amenities with excellent commuter connectivity via Hwy 82 to Sherman and 121 toward Mckinney.

503 Wes Michael Rd, Bonham

$35,000

21397544 MLS

Here is a great lot to build on inside the city limits of Bonham. This is a large lot with new homes surrounding it. It sits on the corner of Katy and 7th St. No known restrictions.

809 E 7th St, Bonham

$210,000

3 Beds ⋅ 2 Baths ⋅ 21395486 MLS

Come home to a little more breathing room and a lifestyle that feels refreshingly uncomplicated. This newer Bonham home combines modern finishes with an easy, open layout that makes everyday life feel comfortable from the moment you walk through the door.The kitchen truly sits at the heart of the home, with a large island that’s ready for morning coffee, quick weeknight dinners, or gathering with friends. Stainless steel appliances, generous counter space, and plenty of cabinetry keep everything functional without sacrificing style. Natural light carries throughout the open living and dining areas, creating a bright space that feels equally suited for quiet nights at home or a house full of guests. The private primary suite gives you a comfortable place to recharge, while the additional bedrooms can easily adapt as life changes, whether you need guest space, a home office, or room for hobbies. Outside, there’s space to garden, entertain, let the pets play, or create the backyard you’ve been imagining. Living in Bonham gives you the charm and slower pace of a smaller Texas community while keeping shopping, dining, recreation, and everyday necessities within easy reach. It’s a great opportunity for buyers looking for a newer home, modern comfort, and a little more room to enjoy life.

805 S 4th St, Bonham

$219,500

3 Beds ⋅ 2 Baths ⋅ 21396605 MLS

Welcome to 2108 N Village Drive, a well-located 3-bedroom, 2-bath home in an established Bonham neighborhood. This inviting property offers a comfortable floor plan with spacious living and dining areas, a cozy fireplace, and a functional kitchen with plenty of room for everyday living and entertaining. The primary bedroom provides a comfortable retreat, while two additional bedrooms offer flexibility for family, guests, or a home office. Outside, enjoy a large covered patio overlooking the backyard—an ideal spot for morning coffee, weekend gatherings, or relaxing evenings. The property also features an attached two-car garage and a conveniently located lot with mature neighborhood surroundings. Located close to schools, shopping,and dining this home offers an excellent opportunity for a buyer looking for an established home in a convenient Bonham location. Come see the possibilities at 2108 N Village Drive!

2108 N Village, Bonham

$99,900

21396784 MLS

Room to spread out. Flexibility to build. Small-town charm near the new Lake Ralph Hall. This 2.12-acre property at 310 E Main Street in Ladonia offers an appealing choice: create your own spacious homesite or take advantage of city approval to divide the property into three residential lots. The previous home has been removed, and water, sewer, and gas are available. Within walking distance of downtown Ladonia and the Chaparral Trail, the location pairs everyday convenience with opportunities to explore Northeast Texas on foot, by bike, or on horseback. Nearby Lake Ralph Hall, now filling, adds excitement for the future with planned fishing and boating amenities, plus a pedestrian pathway across the new lake bridge. Build a custom home with room for gardens and outdoor living, or bring your plans for three residential properties. With over two acres, available utilities, and an in-town location close to trails and the new lake, this property offers space and possibilities for your next chapter.

310 A E Main St, Ladonia

$142,000

2 Beds ⋅ 1 Baths ⋅ 21343385 MLS

Looking for a place to call your own? Welcome to this charming 2-bedroom, 1-bath brick home in a convenient West Bonham location. Featuring a 1-car carport and a spacious, tree-filled lot, this property offers plenty of potential. The backyard is shaded by large pecan trees and is partially fenced, creating a wonderful outdoor setting. Whether you're searching for a starter home or looking to add another property to your rental portfolio, this home is worth a look. Conveniently located near shopping and schools. This could be a great opportunity with plenty of potential. To make this home your own, contact your favorite Realtor to get the ball rolling.

826 W 9th St, Bonham

$200,000

3 Beds ⋅ 2 Baths ⋅ 21395946 MLS

Enjoy the charm of small-town living in Savoy while still being conveniently located with easy access to Sherman, Bonham, McKinney and surrounding North Texas communities. Whether you're searching for a first home, a property to personalize or an investment opportunity, this brick home offers plenty of potential along with several features that are hard to find. Tucked away on a cul-de-sac street, the tree-shaded property welcomes you with a covered front porch, metal roof and a concrete driveway providing additional parking in front of the two-car garage. Inside, the layout offers an easy flow from the living area into the dining space and galley-style kitchen, creating a comfortable setup for everyday living. The adjoining laundry room provides convenient access to the garage. Step outside to a generous backyard with a covered concrete patio, offering a great spot for relaxing, grilling or gathering with friends and family. A workshop and storage building with electricity provides useful space for projects, tools or hobbies. An 12x20 shed is also equipped with electricity and a window unit, creating even more possibilities for a workshop, hobby space, additional storage or other flexible uses. With a comfortable layout, generous outdoor space, abundant storage and convenient access to nearby cities, this Savoy home offers an opportunity to add your own touches and make it yours.

402 W Carter St, Savoy

Start Your Search

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.

Last updated: