Roscoe Homes under $400,000

Welcome to Roscoe, Illinois – a charming village that perfectly blends small-town charm with modern conveniences. Nestled along the scenic banks of the Rock River, Roscoe offers an idyllic setting for families, professionals, and retirees alike. With its lush parks, vibrant community spirit, and excellent schools, this delightful town is an ideal place to call home.

One of the standout features of Roscoe is its affordability. With a variety of homes available for under $400,000, you can find a beautiful property that fits your budget without sacrificing quality or comfort. From cozy single-family homes to spacious townhouses, the real estate market in Roscoe caters to diverse tastes and needs. Many of these homes boast charming architectural details, private yards, and modern amenities, making them perfect for both relaxation and entertaining.

Roscoe is not just about affordable housing; it’s also about lifestyle. With numerous parks, walking trails, and recreational facilities, residents enjoy an active and engaging outdoor life. The village hosts community events throughout the year, fostering a sense of belonging among neighbors. Plus, with easy access to nearby cities like Rockford and Beloit, you can enjoy the tranquility of Roscoe while still having urban conveniences just a short drive away.

Explore the possibilities of homeownership in Roscoe, where your dream home awaits at an attractive price point. Experience the warmth of this community and discover why so many are choosing to make Roscoe their forever home.

Newest Roscoe Homes under $400,000

$315,000

4 Beds ⋅ 2 Baths ⋅ 202606254 MLS

Welcome to this spacious 4-bedroom tri-level home in the desirable Hononegah School District! Offering three levels of living space plus an additional basement with plenty of storage, this home has room for everyone. The jumbo sized eat in kitchen features brand new quartz countertops, with all kitchen appliances included. The family room level offers a cozy wood-burning fireplace and convenient laundry area. Outside, enjoy the privacy-fenced rear yard with a deck and patio space, perfect for relaxing or entertaining. The 3 car garage provides plenty of parking and storage. Recent updates include a new roof in 2025 and water heater in 2025. A great opportunity to own a spacious home with plenty of living space!

524 Merilot, Roscoe

Courtesy of Berkshire Hathaway HomeServices Crosby Starck RE.

$184,900

2 Beds ⋅ 2 Baths ⋅ 202606252 MLS

This upper condo unit features open cathedral ceilings that create a bright and airy atmosphere throughout the main living space. The kitchen comes equipped with a new refrigerator and an elegant tile backsplash, while a new water heater provides peace of mind for years to come. In the dining and kitchen areas, durable luxury vinyl plank flooring offers a modern and easy-to-clean surface. Movie nights and sports games are elevated by a massive 150-inch projection screen setup, turning your living room into a private theater. The home is clean, tidy, and move-in ready, complete with an expansive closet that provides plenty of room for all your storage needs. Rounding out this excellent property is a spacious two-car garage, offering secure parking and even more room for tools or gear.

10149 MONARCH RD #119A, Roscoe

Courtesy of DICKERSON & NIEMAN.

$230,000

2 Beds ⋅ 3 Baths ⋅ 202606126 MLS

Welcome to this beautifully maintained two-bedroom ranch-style condo in the heart of Roscoe! This sought-after end unit offers added privacy and serene views of the open green space, creating a peaceful setting youâll enjoy from the moment you arrive. Inside, the open-concept floor plan seamlessly connects the bright living room, featuring vaulted ceilings and a cozy fireplace, to the spacious dining area and kitchen. The kitchen offers granite countertops, tile backsplash, and plenty of cabinet space, with a newer stove and dishwasher, both approximately two years old. The first-floor primary suite features a private bath with ceramic tile flooring, walk-in shower, and walk-in closet. A convenient first-floor laundry room includes the washer and dryer, which stay with the home. The additional half bath also features a granite countertop. The fully finished basement provides exceptional additional living and entertaining space, complete with a large dry bar, two egress windows, and a full bathroom with tub and ceramic tile flooring. With 100-amp electrical service and a new water heater installed in 2024, this home offers both comfort and functionality. The attached two-car garage provides convenient parking and storage. All appliances stay, including the refrigerator, stove, microwave, dishwasher, washer, and dryer. Monthly condo association fees are $210. Enjoy the convenience of condo living in a desirable Roscoe location while having the privacy and added space of an end unit. A wonderful opportunity to make this well-maintained home your own!

12032 Baneberry #24, Roscoe

Courtesy of Gambino Realtors.

$309,900

3 Beds ⋅ 2 Baths ⋅ 202606101 MLS

Perfectly positioned for convenience and lifestyle, this updated ranch in Cloverdale combines thoughtful enhancements with quality finishes throughout. Situated minutes from downtown Roscoe within the highly desirable Hononegah school district, this 2,244-square-foot home offers the functional layout and modern amenities todayâs buyers demand. The heart of the home features a light-filled living room that flows seamlessly into the dining space, elevated by stylish new lighting and durable luxury vinyl plank flooring that extends into the kitchen. Equipped with solid oak cabinetry, laminate countertops, and sleek stainless steel appliances, the kitchen is as practical as it is inviting. Just off the kitchen, a convenient main-floor laundry room provides versatile space for additional storage or a quiet home office, with direct access to the attached two-car garage. Down the hallway sit two generously sized guest bedrooms and a full bath, along with a restful primary suite featuring a private en-suite bath designed as a peaceful retreat. The freshly renovated lower level expands the homeâs living footprint with new LVP flooring and neutral paint throughout. Here, youâll find an expansive recreation room featuring built-in cabinetry and natural light, a flexible bonus room with a closet and window, and an oversized storage room. With roughed-in plumbing already in place for a third full bath, the lower level offers immediate versatility with excellent potential for future expansion. Outdoors, a welcoming deck overlooks a beautifully landscaped yard complete with a 10â x 16â shed equipped with electric serviceâideal for a workshop, studio, or extra storage. Major improvements include a new roof, gutters, and downspouts installed in 2022, as well as luxury vinyl plank flooring added in 2023. Turn-key, beautifully updated, and conveniently located near downtown Roscoe, this home is truly move-in ready.

6037 Banbridge, Roscoe

Courtesy of Century 21 Affiliated.

$339,900

4 Beds ⋅ 2 Baths ⋅ 202606059 MLS

A MUST SEE! Functional well-cared for Ranch Home located just outside of town, conveniently close to restaurants, shopping and highly Sought-after Hononegah High School District. So much to offer starting with 4 Bedrooms, a family room that provides a beautiful scenery with its abundance of windows and cozy electric fireplace, a well thought out modern kitchen along with a sizeable living room and pristine hard wood floors. In the lower level you will find the 4th bedroom, along with a finished Rec area and bonus room that could be used as an office or additional bedroom with plenty of storage space, and let's not forget about the 4-car garage, if this wasn't enough it sits on a 1-acre lot. Seller is offering a 12-Month UPH Warranty.

8731 Elevator, Roscoe

Courtesy of Century 21 Affiliated.

$180,000

2 Beds ⋅ 2 Baths ⋅ 202606026 MLS

Welcome to this spacious main-floor, 2-bedroom, 2-bath condo offers approximately 1,400 square feet of comfortable living space with an open floor plan designed for easy everyday living and entertaining. Step inside to an abundance of natural light, warm paint tones, and an inviting layout that seamlessly connects the kitchen, dining, and living areas. The kitchen features a large peninsula with a built-in breakfast bar, providing additional seating and workspace while overlooking the main living area. The spacious primary suite features a walk-in closet and private bath with a convenient stand-up shower. A second bedroom and full bathroom provide flexibility for guests, a home office, or additional living space. In-unit laundry adds everyday convenience. Step outside onto your private deck, perfect for morning coffee, relaxing in the evening, or enjoying a fall cookout. The attached 2.5-car garage provides plenty of parking along with additional storage space. With the HOA handling exterior maintenance, you can enjoy the benefits of low-maintenance condo living and spend less time worrying about exterior upkeep. Located in the desirable Rockton-Hononegah School District, this condo is conveniently situated near parks, shopping, dining, and I-90, providing easy access to southern Wisconsin and the greater Chicago area. Whether you're a first-time buyer, downsizing, looking for a home during a transition, or adding to your investment portfolio, this well-maintained condo offers a great combination of space, comfort, convenience, and flexibility. Please note: Some photos have been virtually staged to help illustrate the potential use and layout of the space.

10152 C Monarch, Roscoe

Courtesy of Keller Williams Realty Signature.

$182,000

2 Beds ⋅ 2 Baths ⋅ 202606024 MLS

Welcome to this spacious 2-bedroom, 2-bathroom second-floor condo offers approximately 1,400square feet of comfortable living space with an open floor plan designed for easy living and entertaining. From the moment you step inside, youâll appreciate the vaulted ceiling and abundance of natural light highlighting the fresh paint and luxury vinyl flooring throughout the main area. The updated kitchen features freshly painted black cabinetry for a modern touch, along with a large peninsula and built-in breakfast bar overlooking the dining and living areas. The open layout creates a welcoming space for everyday living or entertaining guests. The spacious primary suite offers a walk-in closet and private bathroom with a convenient stand-up shower. An additional bedroom and full bathroom provide plenty of space for guests, a home office, or flexible living arrangements. The convenience continues with an in-unit laundry area. Step outside onto your private deckâperfect for enjoying your morning coffee, relaxing in the evening, or firing up the grill for a fall cookout. A major bonus is the attached 2.5-car garage, complete with additional storage space. With the HOA handling exterior maintenance, you can enjoy the benefits of low-maintenance living while spending less time worrying about upkeep and more time enjoying your home. Located in the desirable Rockton-Hononegah School District and just minutes from parks, shopping, and I-90, this condo provides convenient access to southern Wisconsin and the Chicago area. Whether youâre a first-time buyer, downsizing, looking for a home during a transition, or an investor seeking a great addition to your portfolio, this updated and well-maintained condo offers comfort, convenience, and flexibility. Some Photos have been Virtually Staged

10215 D Metalmark, Roscoe

Courtesy of Keller Williams Realty Signature.

$359,000

3 Beds ⋅ 2 Baths ⋅ 202606010 MLS

Beautifully maintained and inviting open-concept ranch offering 1,767 sq ft of comfortable main floor living! This well designed home features 3 bedrooms, 2 full baths, and a spacious great room that creates a warm, welcoming atmosphere. The primary suite includes a private bath and walk-in closet, while the formal dining room provides the perfect space for gatherings and entertaining. The eat-in kitchen offers convenient everyday dining, and main floor laundry adds to the ease of one level living. The unfinished full basement provides excellent potential for additional living space, recreation, storage, or future finishing. Enjoy the convenience of an attached 3 car garage, spacious deck, fully fenced backyard and storage shed-perfect for relaxing, entertaining and enjoying the outdoors. Roof was replaced in 2023. Ideally located in the desirable Rockton/Hononegah school area, this home offers space, functionality, and convenience in a great Roscoe location. A wonderful opportunity to make this ranch your own!

628 Overture, Roscoe

Courtesy of Gambino Realtors.

$375,000

4 Beds ⋅ 3 Baths ⋅ 202605965 MLS

Located in Crystal Hills neighborhood and the highly rated, sought-after Hononegah School District. This spotless two-story is light, bright and move-in ready. The open-concept kitchen and family room offer abundant cabinets and counters, stainless appliances and a beverage refrigerator. A generous size deck leads to the 27-foot pool and fully fenced backyard. The formal dining room is currently a playroom but can easily be transformed back, while the lower level includes a rec room, bonus room and storage. Updates include roof, gutters and water heater (2023), pool (2021), rec room (2010), dishwasher, microwave, laundry room, staircase, upstairs hall LVP, and vinyl windows throughout.

651 Ashleigh, Roscoe

Courtesy of Berkshire Hathaway HomeServices Crosby Starck RE.

$300,000

4 Beds ⋅ 2 Baths ⋅ 202605929 MLS

Enjoy an out-of-town feel with neighborhood convenience in the highly sought-after Hononegah High School District, served by Roscoe schools! This spacious ranch on over a 1/2 acre lot offers 3 main-floor bedrooms and 2 full baths, including a primary suite, plus two separate living areas. The formal living room provides a welcoming space at the front of the home, while the second living area features a wood-burning fireplace and opens to the eat-in kitchen. Just beyond is a three-season porch with double-hung windows, laundry area and access to the backyard patio. The finished lower level offers plenty of additional space with a 32' x 13' rec room, flex space, bonus room, finished storage and a fourth bedroom measuring approximately 9' x 13' with a partial-exposure window and no closet, plus unfinished mechanical/storage space. An attached 2.5-car garage and expanded driveway add convenience, with the driveway extending back to a large outdoor shed offering excellent space for projects, lawn equipment or additional storage. Major updates and inclusions include a re-roof in 2021, A/C approximately 3 years old, gas stove approximately 2 years old, and washer and dryer approximately 1 year old. Private well and septic. Convenient access to shopping, I-90 and the Highway 173 corridor! Some pictures show alternates with staging of what the space could be with furniture and the outside as a patio space

8482 NORTH CREEK RD, Roscoe

Courtesy of Keller Williams Realty Signature.

$279,900

3 Beds ⋅ 3 Baths ⋅ 202605621 MLS

Updated 3 bed, 3 bath ranch in a highly desirable Roscoe subdivision within the Hononegah School District. This move in ready home combines reliable new mechanicals, thoughtful updates, and a quiet, established neighborhood setting. The main level features a bright living room with hardwood floors and a cozy gas log ventless fireplace, plus a functional kitchen with new GE stainless appliances. Two full baths include a private primary suite. Recent upgrades include a new furnace, new washer/dryer, new toilets, new remote controlled ceiling fans, a Nest smart thermostat, and a Ring video doorbell. The finished lower level expands your living space with a large rec room, a third full bath, and flexible finished areas ideal for a home office, gym, or guest space. Outside, enjoy a fenced backyard perfect for pets, gardening and entertaining. The home also offers a maintenance free exterior, newer roof, and an attached 2 car garage. Low property taxes add to the homeâs long term affordability. Located in a quiet Roscoe subdivision known for annual neighborhood events, holiday activities, and a private park just down the road. Minutes from forest preserves, walking trails, dog park, golf course, and convenient interstate access.

10990 LINDEN BLOSSOM, Roscoe

Courtesy of DICKERSON & NIEMAN.

$69,900

3 Beds ⋅ 2 Baths ⋅ 202605433 MLS

Welcome to 5413 Mahogany Lane in Roscoe! This spacious 1,387 sq. ft. home offers a desirable split-bedroom ranch-style layout with comfortable living space and a great combination of privacy, convenience, and location. The heart of the home is the open kitchen featuring a large center island, providing plenty of workspace for meal prep, entertaining, or anyone who loves to bake. The open layout creates an inviting space for everyday living and gathering with family and friends. Step outside and enjoy the beautiful private backyard surrounded by mature trees, offering a peaceful setting to relax, entertain, or simply enjoy the outdoors. Located in a quiet neighborhood that's great for walking, the home is also conveniently close to Kieselburg Forest Preserve and just minutes from a wide variety of shopping, restaurants, and everyday conveniences. Adding even more value and peace of mind, the home features a brand-new roof installed in August 2026. If youâre looking for comfortable one-level living, a functional floor plan, a great kitchen, and a peaceful Roscoe location, 5413 Mahogany Lane is one you'll want to see. Seller will give $2000 credit toward lot rent.

5413 Mahogany, Roscoe

Courtesy of Century 21 Affiliated.

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