Beloit Homes under $400,000

Welcome to Beloit, Wisconsin – a charming city nestled in Rock County, where the spirit of community meets a vibrant cultural scene. With its rich history, Beloit offers a unique blend of small-town charm and modern amenities, making it an ideal place to call home. The city is known for its picturesque parks, lively downtown area, and a strong sense of community that welcomes newcomers with open arms.

For homebuyers seeking affordability without sacrificing quality, Beloit presents an enticing selection of homes priced under $400,000. This dynamic market features a variety of options, from cozy bungalows to spacious family homes, each offering unique characteristics and plenty of potential. Whether you’re a first-time buyer, a growing family, or looking to downsize, Beloit’s real estate landscape is sure to have something that meets your needs.

Beloit is also home to a number of recreational opportunities, including the scenic Rock River, which provides ample options for outdoor activities such as kayaking, fishing, and hiking. The city’s thriving arts scene, highlighted by the Beloit Art Center and numerous galleries, fosters creativity and community engagement, while local restaurants and shops add to the vibrant atmosphere.

With its affordable housing options and a welcoming community, Beloit is not just a place to live; it’s a place to thrive. Explore the homes available under $400,000 and discover why so many are choosing to make Beloit their home sweet home. Come experience the warmth and charm of Beloit, where your dream home awaits!

Newest Beloit Homes under $400,000

$389,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034083 MLS

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

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$384,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034082 MLS

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

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$389,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034079 MLS

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

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$359,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034078 MLS

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

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$379,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034034 MLS

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

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$359,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034032 MLS

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

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$354,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034033 MLS

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

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$349,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034028 MLS

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

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$349,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034025 MLS

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

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$369,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034022 MLS

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

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$359,900

3 Beds ⋅ 2 Baths ⋅ SCW-2034021 MLS

Estimated Completion Date February, 2027...A fresh take on a timeless ranch. Warm olive siding layered with coordinating shake gives the exterior a rich, tonal look, while inside, the layout is clean, open and well planned. A vaulted ceiling adds volume to the great room, with the gas fireplace creating a natural focal point. The kitchen opens within the space anchored by a generous center island, while the split-bedroom design gives the home just the right amount of separation. Main-floor laundry and mudroom are conveniently positioned just steps from the owner?s suite. Downstairs, the lower level is already framed, studded and insulated, with an egress window for a future bedroom and plumbing stubbed for an additional bath. Lot #11 Elmwood Commons

2551 Kadlec Drive, Beloit

Courtesy of Century 21 Affiliated. Off: 608-756-4196

$220,000

3 Beds ⋅ 1.5 Baths ⋅ SCW-2034008 MLS

More room, more updates, more reasons to take a closer look at 1915 Glen Ave. 1915 Glen Ave offers 3 bedrooms, 1.5 baths and a recently updated lower level with three versatile bonus spaces PLUS a spacious half bath. The main level features updated flooring throughout, ceiling fans in every room and plenty of natural light. The kitchen offers generous workspace, ample cabinet storage, a newer range and refrigerator, plus plenty of room to cook and gather. Major updates include the furnace in 2021, water heater in 2022 and central air in 2025. Relax on the front porch overlooking wooded lots across the street or enjoy the fully fenced backyard and private driveway area. The 3 car garage with newer insulated doors provides excellent space for vehicles, hobbies, storage and toys. All this on a quiet street just a quick drive from downtown Beloit shopping, dining and entertainment.

1915 Glen Avenue, Beloit

Courtesy of Coldwell Banker The Realty Group.

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