Somerset Homes under $400,000

Somerset Homes under $400,000

Welcome to Somerset, Kentucky – a charming city nestled in the heart of Pulaski County, where small-town warmth meets stunning natural beauty. Known for its picturesque lakes, rich history, and vibrant community, Somerset is a hidden gem that offers an idyllic lifestyle for families, retirees, and everyone in between. With Lake Cumberland just a stone’s throw away, outdoor enthusiasts will find endless opportunities for boating, fishing, and hiking, making it a perfect retreat for nature lovers.

When it comes to real estate, Somerset boasts a diverse array of homes under $400,000, making it an attractive option for first-time buyers, growing families, and those seeking a peaceful retirement. From cozy bungalows to spacious family homes, the housing market here caters to various tastes and budgets. Many properties feature beautiful yards, modern amenities, and easy access to local parks and schools, ensuring a convenient and comfortable living experience.

Somerset’s community spirit shines through its local events, farmers’ markets, and cultural festivals, fostering a sense of belonging among residents. The city is also home to excellent schools, healthcare facilities, and a variety of shopping and dining options, making it a well-rounded place to call home.

Whether you’re looking to settle down or invest in a vacation property, Somerset offers an inviting atmosphere and affordable housing options that are hard to resist. Explore the charm of Somerset today, and discover your dream home in this beautiful Kentucky city!

Newest Somerset Homes under $400,000

332 Country Hill Dr, Somerset
$289,900
3 Beds ⋅ 2 Baths ⋅ 26027396 MLS
offering this stunning 3-bedroom, 2-bath ranch-style home in northern Pulaski County! Featuring a beautiful brick and board-and-batten exterior, this home is situated in a peaceful subdivision just off Highway 1247. Inside, you'll find high-end finishes throughout, along with a minimum of 9-foot ceilings that create an open, spacious feel. The property is surrounded by mature trees that add character, shade, and a setting that simply can't be replicated. Additional features include a 2-car garage, plus an additional garage door providing access to the crawlspace/storage area with approximately 8-foot ceilings—perfect for extra storage. Out back, enjoy a beautiful yard lined with mature pine trees, offering both privacy and a peaceful backdrop, and offering a 1-year warranty builders warranty for your peace of mind! This one has so much to offer—call today to schedule your showing!

332 Country Hill Dr, Somerset
1221 Elihu Cabin Hollow Rd, Somerset
$168,000
2 Beds ⋅ 1 Baths ⋅ 26027377 MLS
Welcome to this charming 2 bedroom, 1 bath farmhouse situated on 1.53 acres in Pulaski County . Offering a peaceful country setting and a comfortable layout with several built-in features throughout. The spacious living room offers plenty of room for seating and everyday living, with built-in shelving that adds character. The kitchen offers an abundance of cabinet space, giving you plenty of room for dishes, cookware and all of your kitchen essentials. Built-in shelving can also be found in one of the bedrooms. A good sized utility room provides room for laundry and everyday household needs. The utility room also has an existing flue for a wood stove, giving the new owner the option to add a wood burning stove for an additional heat source. An unfinished attic adds potential and could potentially be finished to create an office, hobby space, or additional living area. The home is equipped with two mini- split units for heating and cooling. Outside, you'll find a nice level yard and a small workshop building with electricity that provides additional space for projects, hobbies, tools or storage. Just minutes from Somerset, this charming farmhouse gives you the best of both worlds with a peaceful country setting and the convenience of town nearby. Full of character and farmhouse charm, this home is ready for its next chapter. * The wood stove does NOT convey. * Buyers are to satisfy themselves regarding square footage/ per PVA.

1221 Elihu Cabin Hollow Rd, Somerset
4795 Grundy Rd, Somerset
$185,000
3 Beds ⋅ 1 Baths ⋅ 26027247 MLS
Enjoy the peaceful country setting without giving up the convenience of town! Located just minutes from downtown Somerset and surrounded by beautiful farmland and rolling countryside, this 3 bedroom, 1 bath brick home offers comfortable main-level living with plenty of opportunity to add more space in the future. Inside, the home features an easy-flowing layout with a spacious living room that opens into the dining area and kitchen. Wood-look flooring runs throughout the main living areas, while the kitchen offers an abundance of cabinetry, generous counter space and a functional layout with room for additional storage. All three bedrooms are located on the main level along with the full bathroom. One of the biggest bonuses is the full unfinished basement, providing an abundance of additional space for storage, a workshop, hobbies or the potential to finish additional living square footage to suit the next owner's needs. Outside, the classic brick exterior is complemented by a metal roof and an oversized covered carport/patio area, offering plenty of room for parking while doubling as a great covered outdoor entertaining space. The surrounding open farmland, mature trees and rolling Kentucky hills create a setting that feels tucked away in the country, all while keeping shopping, dining and downtown Somerset only a few minutes away.

4795 Grundy Rd, Somerset
411 Boat Dock Rd, Somerset
$365,000
4 Beds ⋅ 3 Baths ⋅ 26027150 MLS
Lake Cumberland Living with Room for Everyone! Discover the perfect blend of space, versatility, and lake-lifestyle convenience in this spacious 3,375 sq. ft. brick home, featuring 4 bedrooms and 3 full baths. With gorgeous hardwood flooring and two gas fireplaces, this home offers warmth and comfort throughout every season. The fully finished walk-out basement includes a full kitchen, making it ideal for guest, Mother/Father in law suite, a second living area, or an income-producing rental. The possibilities are endless! Move-in Ready and windows are only 3 years old. Outside, you'll find an oversized detached 3-bay 40*50 garage, Large separate workshop 38*24 with roughed-in bathroom, Bonus room upstairs, plus two storage sheds, providing plenty of room for boats, vehicles, lake toys, and equipment. A covered patio and gazebo create the perfect setting for relaxing or entertaining after a day on the water. Best of all, you're just minutes from Lake Cumberland, multiple boat ramps, and area marinas, making it easy to get out on the water and enjoy everything Lake Cumberland has to offer.

411 Boat Dock Rd, Somerset
10305 Kentucky, Somerset
$349,900
3 Beds ⋅ 3 Baths ⋅ 26027103 MLS
Discover the possibilities at this unique 36+/- acre property in Somerset! This Bedford stone home offers 3 bedrooms, 3 full bathrooms, a full basement, and garage, providing plenty of space for comfortable living, storage, hobbies or future customization. The property offers a rare combination of home and acreage, with wooded areas, open space, and beautiful natural surroundings. Whether you're looking for room to spread out, a place for recreational activities, additional space for equipment and toys, or simply the privacy that comes with acreage, this property has plenty of potential. A barn is also located on the property, which could offer additional space for storage.

10305 Kentucky, Somerset
125 Holly Hill Dr, Somerset
$359,000
3 Beds ⋅ 2 Baths ⋅ 26027060 MLS
Welcome to 125 Holly Hill. Located in the desirable Oak Hill community near schools, churches and shopping. This home has many upgrades and features. Within the last 3 years this home has had the addition of a new roof, hardwood flooring, HVAC, Water heater, lighting fixtures among other updates. This home is all on one level and has easy access from oversized 2 car garage. Each generously sized bedroom has nice large closets. Fenced back yard with nice storage shed.

125 Holly Hill Dr, Somerset
30b Melrose Dr, Somerset
$167,500
2 Beds ⋅ 2 Baths ⋅ 26027052 MLS
Check out this one-level brick semi-detached patio home superbly located in the highly desirable north end of Somerset in Melrose Place! With 2 generous bedrooms and 2 bathrooms, this 1,288 square foot residence could make the perfect rental! Enjoy high ceilings throughout and attractive tile floors that combine style with easy upkeep. Relish the peace-of-mind of brand new shingles installed, plus carpet newly-laid in the bedrooms & living room! Designed for comfort and convenience, this one-level home has virtually no steps, making it ideal for anyone seeking accessibility and very low maintenance living. The excellent location puts you close to everything Somerset has to offer, all at an affordable price. Great income potential! Agent/Part-Owner

30b Melrose Dr, Somerset
121 Sycamore Trl, Somerset
$189,900
2 Beds ⋅ 1 Baths ⋅ 26026926 MLS
This home has it all! Beautifully remodeled and move-in ready, this home is conveniently located close to town while still offering a peaceful setting. Recent updates include a new HVAC system installed in November 2025, a 2021 water heater, termite preventative treatment completed in December 2025, and a new roof in 2024. The kitchen features new cabinets and newer appliances. Enjoy your morning coffee on the deck off the primary bedroom while taking in the scenery. A spacious front porch provides another great place to relax, while the back patio overlooks beautiful trees. A one-car garage adds convenient parking and storage. With its beautiful remodeling, numerous updates, and great location, this home is a must-see in person!

121 Sycamore Trl, Somerset
140 Oak Hill Rd, Somerset
$229,900
3 Beds ⋅ 2 Baths ⋅ 26026864 MLS
Location location location! Exquisite home completely fresh painted walls & ceilings. Looks like a brand new home!! New flooring in kitchen, 3 yr old water heater, new A/C compressor, appliances stay, new commode, Two new out buildings. Some furniture stays. Gorgeous home and super convenient!! This home speaks for its self! At this price, get ready to bring your offer!!

140 Oak Hill Rd, Somerset
21 Leaflet Ave, Somerset
$243,800
2 Beds ⋅ 2 Baths ⋅ 26026827 MLS
Well-maintained two-bedroom, two-bath home built in 2017 and located in the Goldenleaf community within Somerset city limits. This home features an open floor plan, stainless steel appliances, and an attached garage. Enjoy the backyard porch and gazebo, perfect for entertaining. The roof and siding are just one year old, and the owner has kept up with regular maintenance. Conveniently located near town and healthcare services, and just 15 minutes from Lake Cumberland Marina.

21 Leaflet Ave, Somerset
111 Lair St, Somerset
$129,900
2 Beds ⋅ 2 Baths ⋅ 26026303 MLS
Welcome to 111 Lair Street, a charming and conveniently located home nestled on a corner lot within the city limits of Somerset, Kentucky! Whether you're a first-time homebuyer, investor, healthcare professional looking for a home close to town, or someone searching for a getaway near beautiful Lake Cumberland, this property offers plenty of possibilities! Built in 1970, this 2-bedroom, 1.5-bath home offers 969 square feet of living space with a functional layout and several recent updates, including all-new windows, fresh interior paint, and new carpet in the bedrooms. Step inside to discover a spacious kitchen with ample room for everyday living, complete with appliances and a washer and dryer that convey with the home. The kitchen flows into a separate dining area, conveniently located near the half bath, before opening into the living room. Both bedrooms offer closet space, with the rear bedroom providing access to the full bathroom. An added feature is the partially accessible crawl space beneath the home. The area beneath the living room offers enough height to stand and houses the HVAC system and water heater, while also providing useful additional storage space or the potential to serve as a sheltered area during severe weather. Outside, you'll appreciate the corner lot with a relatively level yard and mature trees that create a more peaceful, private setting while keeping you close to everything Somerset has to offer. Enjoy your morning coffee on the covered front porch or unwind in the evenings on the covered back porch. A concrete driveway provides convenient off-street parking, while the storage shed offers additional space for tools, lawn equipment, and seasonal belongings. Location is another standout feature! Situated just minutes from downtown Somerset, local shopping, dining, healthcare facilities, and everyday conveniences, this property offers easy access to the amenities that make life simple. Its proximity to Lake Cumberland also makes it an appealing option for those seeking a vacation retreat, potential short-term rental investment, or affordable home base for enjoying all that the area has to offer. With its manageable size, recent improvements, convenient location, and versatile possibilities, 111 Lair Street is ready for its next chapter. Schedule your private showing today and discover the potential this Somerset property has to offer!

111 Lair St, Somerset
118 Beecher St, Somerset
$149,900
4 Beds ⋅ 2 Baths ⋅ 26026650 MLS

118 Beecher St, Somerset
Start Your Search