Beloit Homes under $400,000

Welcome to Beloit, Wisconsin, a charming city nestled in the heart of Rock County. Known for its rich history and vibrant community, Beloit offers an inviting blend of small-town charm and modern amenities. With a picturesque downtown area lined with unique shops, delightful eateries, and cultural attractions, residents enjoy a lifestyle that embraces both leisure and community spirit.

Beloit is renowned for its stunning parks and recreational opportunities, making it an ideal location for families and outdoor enthusiasts alike. From the scenic banks of the Rock River to the expansive green spaces of Riverside Park, there are endless opportunities for hiking, biking, and enjoying nature. The city also boasts a thriving arts scene, with galleries and theaters that showcase local talent and host engaging events throughout the year.

For those considering a move to this delightful city, there’s excellent news! Beloit offers a diverse range of homes under $400,000, making it an attractive option for first-time buyers, families, and investors alike. Whether you’re searching for a cozy bungalow, a spacious family home, or a charming historic property, Beloit’s real estate market has something to suit every taste and budget.

With its affordable housing options and strong sense of community, Beloit is not just a place to live; it’s a place to thrive. Experience the warmth of Beloit and discover your dream home in this welcoming Wisconsin city!

Newest Beloit Homes under $400,000

$174,900

2 Beds ⋅ 1 Baths ⋅ ACTIVE Status

Looking for an adorable starter home, retirement/downsizer, or to add to your investment portfolio? Then this one is for you! Situated on a large, fenced in lot, with an oversized garage and a remodeled kitchen, the seller has poured his heart and soul into this home in the last couple of years, and even added six raised garden beds! New flooring and paint as well. Within walking distance to downtown, the riverfront, and high school. The attic could be finished for more living space. Come take a look before it's gone! Seller is related to listing agent.

335 Ridgeland Avenue, Beloit

Listing courtesy of Century 21 Affiliated.

$230,000

3 Beds ⋅ 1 Baths ⋅ ACTIVE Status

Bright, updated, and move in ready, this 3 bedroom, 1 bath home sits on a desirable .23 acre corner lot and offers a spacious, unique layout filled with natural light. Recent improvements include new siding, roof, select windows, updated fixtures, LVP flooring in the living room and bedrooms, and ceramic tile in the kitchen. The kitchen features a new stove and refrigerator, while first floor laundry adds everyday convenience. A ceiling fan in the family room helps keep the space comfortable year round. The sliding glass door opens to a covered patio and backyard, creating a great setup for entertaining or relaxing outside. The patio also offers direct access to the attached 2 car garage. With generous room sizes, thoughtful updates, and a functional layout, this home is ready to enjoy. Seller is a licensed Realtor in the State of Wisconsin.

1705 Whipple Street, Beloit

Listing courtesy of Coldwell Banker The Realty Group.

$389,900

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Estimated Completion March 2027. Sharp new Farmhouse ranch by Next Generation. This 3BR, 2BA home delivers standout curb appeal with a covered front porch and 3-car garage. Open, airy layout with white trim and a Great Room accented by a tray ceiling & corner fireplace. The kitchen offers quartz counters, oversized island, corner pantry, stainless appliances, and soft-close cabinets, plus a dedicated dining space. Relax in the primary suite with double vanity, walk-in shower, and WIC. Main-level laundry adds convenience. Lower level is studded, insulated, roughed-in for a future bath, and includes an egress window for a potential 4th bedroom

627 Millar Drive, Beloit

Listing courtesy of Century 21 Affiliated.

$384,900

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Estimated Completion March 2026. You will love this bright & open floor plan anchored by corner fireplace. The spacious great room features a vaulted ceiling that adds height and style. The kitchen offers a center island, quartz countertops, custom cabinetry, corner pantry, stainless appliances, plus a dedicated dining area. Main floor laundry and mudroom keep life organized. Private primary suite with walk-in closet and ensuite bath featuring a double vanity and walk-in shower. Lower level is ready to expand your living space, studded, insulated, and roughed-in for a future bath, plus an egress window for a possible 4th bedroom. Great location, strong curb appeal, and room to grow, lot #41. **PHOTOS OF SIMILAR MODEL - ASK AGENT FOR HOME DETAILS**

635 Millar Drive, Beloit

Listing courtesy of Century 21 Affiliated.

$389,900

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Estimated Completion March 2027: Thoughtfully designed split-bedroom ranch by Next Generation delivers standout curb appeal and a 3-car attached garage. Inside, an open, layout showcases white trim and vaulted Great Room. The kitchen is built to impress with quartz countertops, a generous center island, pantry, stainless appliances, soft-close cabinetry, and a separate dining space. A smartly placed main-level laundry and mudroom add everyday convenience. Unwind in the private primary suite featuring a double vanity and walk-in shower. The lower level is already studded, insulated, and roughed-in for a future bath, with an egress window offering the option of a 4th bedroom. Lot #38 RIVERSTONE **PHOTOS OF SIMILAR MODEL - ASK AGENT FOR HOME DETAILS**

617 Millar Drive, Beloit

Listing courtesy of Century 21 Affiliated.

$359,900

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Estimated Completion March, 2027: Bright, Open Ranch by Next Generation Construction! This 3-bedroom, 2-bath home combines modern style with functional living. Step into a vaulted great room that flows into an eat-in kitchen with center island, quartz counters, pantry, stainless appliances, soft-close cabinetry, and a separate dining area. The primary suite offers a walk-in closet, double vanity, and walk-in shower for a private retreat. Main-level laundry and mudroom keep life organized. The lower level, with full-size egress windows, is studded, insulated, and roughed-in for a future bath or potential 4th bedroom. Lot #39 **PHOTOS OF SIMILAR MODEL - ASK AGENT FOR HOME DETAILS**

621 Millar Drive, Beloit

Listing courtesy of Century 21 Affiliated.

$379,900

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Estimated Completion Date February, 2027...This beautifully designed split-bedroom ranch offers an open layout and a 3-car attached garage. Step inside to a spacious great room highlighted by vaulted ceilings with white doors & trim throughout. Inviting eat-in kitchen features a separate dining area, large center island, quartz countertops, corner pantry, stainless steel appliances, and soft-close cabinetry. Convenient main-level laundry/mudroom adds to the thoughtful design. Private primary suite includes a walk-in closet with double vanity and walk-in shower. The lower level is already studded, insulated, and roughed-in for a future bathroom, with an egress window offering potential for a 4th bedroom. Lot #36 RIVERSTONE **Photos of Similar Model - Ask Agent for Details**

607 Millar Drive, Beloit

Listing courtesy of Century 21 Affiliated.

$359,900

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Estimated Completion Date February, 2027...A floor plan that gets it right from the start. The foyer opens into a bright, open great room with the kitchen right at the center of it all. A generous quartz lined center island anchors the space while the corner pantry keeps everyday essentials tucked away and within easy reach. The owner?s suite is smartly tucked at the back of the home for added privacy, while the 3-car garage opens directly into a generous mud/laundry room, finished with a pocket door to keep the everyday mess neatly out of sight. More space and future value are already built in. The lower level is plumbed for a third bath with an egress window in place for a future fourth bedroom. Lot #12 Elmwood Commons

2557 Kadlec Drive, Beloit

Listing courtesy of Century 21 Affiliated.

$354,900

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Estimated Completion Date February, 2027...Simple, sharp and ready for its first owner. This brand-new 3-bedroom, 2-bath ranch features a smart split-bedroom layout with open living space. Quartz countertops, modern finishes and clean lines keep the interior fresh. Primary suite leads to owners bath featuring quartz lined double vanities & WIC. Need more room? The lower level is ready to grow with an egress window and plumbing already in place for a third bathroom.

2544 Elmwood Drive, Beloit

Listing courtesy of Century 21 Affiliated.

$349,900

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Estimated Completion Date February, 2027...Brand new, well planned and finished with a modern edge. Quartz countertops, stainless appliances, white doors and trim are finished off with black plumbing fixtures and hardware for just the right amount of contrast. The owner?s suite is tucked privately at the back of the home with its own en suite, while the extra-deep garage leads directly into a convenient laundry/mudroom. More room possibilities when you?re ready for it, the lower level is already set up with an egress for future bedroom and stubbed for full bath, giving you an easy path to additional finished living space. Lot #13 Elmwood Commons

2563 Kadlec Drive, Beloit

Listing courtesy of Century 21 Affiliated.

$349,900

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Estimated Completion Date February, 2027...There?s something easy about being the first to call it home. Brand-new construction with modern finishes, stainless appliances, quartz countertops and black plumbing fixtures throughout. The open great room keeps the main living space connected with kitchen & dining area. The owner?s suite and additional bedrooms are thoughtfully positioned on one end of the home. Just off the garage, an oversized mudroom/laundry creates the perfect everyday drop zone with room for all the extras. Adding more living space will be a breeze with the lower level already stubbed for an additional bath plus an egress window in place for a future fourth bedroom.

2548 Westwood Drive, Beloit

Listing courtesy of Century 21 Affiliated.

$369,900

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Estimated Completion Date February, 2027...Over 1,700 square feet with a split-bedroom design that makes every inch count. The vaulted great room opens to the kitchen and dining area, with a generous center island anchoring the space and keeping everything connected. Privately positioned, the owner?s suite features dual vanities & WIC. Oversized laundry/drop zone keeps everything organized. Need more space? The lower level is ready for what?s next and is already framed, studded and insulated with an egress window for additional bedroom and plumbing in place for an additional bath. Lot #58 Elmwood Commons

2540 Westwood Drive, Beloit

Listing courtesy of Century 21 Affiliated.

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