Urbana Homes under $200,000

Urbana Homes under $200,000

Welcome to Urbana, Ohio – a charming city nestled in the heart of Champaign County, where small-town warmth meets vibrant community spirit. Known for its picturesque landscapes and friendly atmosphere, Urbana offers a delightful blend of history, culture, and modern convenience. With its rich heritage, you’ll find beautiful historic buildings alongside contemporary amenities that cater to today’s lifestyle.

Urbana is a city that thrives on community engagement, boasting numerous parks, local shops, and family-owned restaurants that make it a great place to call home. The annual events, such as the Champaign County Fair and the Urbana Sweetcorn Festival, draw residents together, fostering a sense of belonging and pride in this lovely locale.

For those seeking affordable housing options, Urbana shines brightly with a variety of homes available for under $200,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, you’ll find an array of charming properties that fit your budget. From cozy single-family homes to quaint bungalows, Urbana offers diverse options that cater to different tastes and lifestyles.

With its excellent schools, access to outdoor activities, and a strong sense of community, Urbana is not just a place to live; it’s a place to thrive. Explore the inviting neighborhoods and discover why so many are choosing to make Urbana their home. Let us help you find your perfect property in this delightful city, where affordability meets opportunity!

Newest Urbana Homes under $200,000

610 Hagenbuch St, Urbana
$189,900
3 Beds ⋅ 1 Baths ⋅ 1048751 MLS
Charming 3 bedroom 1 bath home has a lot to offer including large rear yard, relaxing front porch and spacious kitchen. All appliances to stay!

610 Hagenbuch St, Urbana
365 Henry St, Urbana
$154,900
2 Beds ⋅ 1 Baths ⋅ 1048684 MLS
Discover this charming 2-bedroom, 1-bath home conveniently located just steps from the fairgrounds! Situated at the end of a quiet dead-end street, this property offers a peaceful setting with plenty of storage and parking options. The spacious, open kitchen offers plenty of space for all your cooking needs, with room to prepare meals, entertain guests, and make the space your own.The large front porch provides a welcoming space to relax, enjoy your morning coffee, or unwind while taking in the quiet surroundings. The detached garage and two sheds provide ample space for vehicles, hobbies, tools, and all your storage needs. Recent updates, including a new metal roof (2026) and HVAC system(2021), add peace of mind for the next owner. The home is ready for its next chapter and offers an excellent opportunity to add your own finishing touches and personal style. Come see the possibilities and make this cozy home your own!

365 Henry St, Urbana
580 E Ward St, Urbana
$175,000
3 Beds ⋅ 1 Baths ⋅ 1048582 MLS
Endless Potential with Space! Just needs your cosmetic touches! Welcome to this spacious 3-bedroom home offering incredible versatility and classic charm. Highlights include an extra-large living room, an open-concept kitchen and dining area, and a back family room featuring sliding glass doors that lead directly to the fully fenced backyard. Upstairs, you'll find 3 bedrooms, plus room on the main floor to easily add a 1st-floor bedroom and a 2nd full bathroom. Enjoy outdoor living with a welcoming front porch, a back deck, mature shade trees, and an above-ground pool with its own deck and electrical hookup (liner replaced/last used in 2020). Excellent parking and storage with a 2-car garage attached, plus a secondary 1-car alley garage with alley parking access. Features updated electric, double-pane insulated windows, and a whole-house fan. Property is being sold AS-IS--bring your ideas and make it your own!

580 E Ward St, Urbana
218 Sara St, Urbana
$179,900
3 Beds ⋅ 1 Baths ⋅ 1048326 MLS
Auction October 8, 2026 at 6pm but seller will consider an offer before that date. This 2 story move in ready home with over 1300 SqFt. of living space, has 3 bedrooms upstairs, a full bath downstairs, w/ tub and shower, closet and linen closet, living room, dining room and a full kitchen. Built in shelves accent the living room and dining room with ceiling fans and carpet in most rooms. Lots of windows are placed throughout for natural light and storm doors w/ screens. There is an attached two and a half car garage with a concrete driveway, not common in this area. Above the garage are tall ceilings for that loft or storage space or maybe a man cave. Out through the spacious laundry room, leads to a large fenced in back yard with a covered patio for those summer parties and cookouts. This home is serviced by natural gas, city water and sewer. Nestled in a neighborhood on the northwest side of Urbana, this home is close to the Downton area and all it has to offer. All the amenities that you would desire are all here in Urbana, groceries, restaurants, service facilities, a park, medical facilities and much more. Take a look and imagine your personal touches, to make this the home for you. A wonderful place for that family just starting out, or the family with kids looking for a forever home. Don't let this opportunity slip away, take a look and see if its for you, it could be the one.

218 Sara St, Urbana
404 E Ward St, Urbana
$175,000
4 Beds ⋅ 1 Baths ⋅ 1048305 MLS
Welcome to this spacious 4-bedroom, 1-bath home in Urbana. With two bedrooms conveniently located on the first floor, ideal for a primary suite, guest room, and/or a dedicated home office. The main level offers comfortable living spaces along enclosed front and back porches. Each enclosed porch has access to add a wood stove. Out back, enjoy a fully fenced backyard with a patio. Outside the fence is a detached 2-car garage. Providing extra off street parking and extra storage. Whether you are looking for room to grow or a functional layout with extra space, this property delivers. Recent updates include flooring and roof. Available for private showings--schedule your tour today!

404 E Ward St, Urbana
119 Wards Ln, Urbana
$144,900
2 Beds ⋅ 1 Baths ⋅ 1048101 MLS
This 2-bedroom, 1-bath home is a great option for someone looking for a smaller, manageable home or an investment property. The home has a new roof, newer flooring, and 2 new mini-split units for heating and cooling. The fenced-in backyard gives you a nice private outdoor space, with a shed for extra storage and off-street parking. The size and layout make this home easy to maintain. Whether you're looking for an affordable place to call home or adding another property to your portfolio, this one is ready for its next owner. Come take a look and see what you can do with it!

119 Wards Ln, Urbana
426 W Light St, Urbana
$194,999
3 Beds ⋅ 1 Baths ⋅ 1047762 MLS
Welcome home to this beautifully updated 3-bedroom, 1-bathroom property! Numerous recent improvements make this home move-in ready, including an updated kitchen and bathroom, fresh paint, new flooring, updated electric panel, and newer windows. The kitchen comes fully equipped, and all kitchen appliances, along with the washer and dryer, stay with the home. Outside, enjoy a fenced backyard featuring a shed and patio--perfect for relaxing or entertaining. A front deck provides another great outdoor space, while the detached 2-car garage offers plenty of room for parking, storage, or hobbies. With its many updates and desirable outdoor amenities, this home is ready for its next owner!

426 W Light St, Urbana
119 Bloomfield Ave, Urbana
$159,900
2 Beds ⋅ 1 Baths ⋅ 1047749 MLS
Step into this charming home featuring original hardwood floors, an expanded kitchen with plenty of room to gather, and a convenient separate laundry area. The main level also offers a full bathroom, and a large dining room, while the upstairs features tandem bedrooms, offering a flexible layout that can work well for a variety of needs. Use the second bedroom as a home office, nursery, dressing room, hobby space, or additional living space. Outside, enjoy a fully fenced backyard complete with a hot tub, perfect for relaxing or entertaining. A detached storage shed provides useful additional space for tools, outdoor equipment, and seasonal items. Recent updates include a newer roof (2021), water heater (2022), and an updated bathroom. A home with character, practical updates, and a backyard designed for entertaining.

119 Bloomfield Ave, Urbana
830 S Walnut St, Urbana
$139,500
2 Beds ⋅ 2 Baths ⋅ 1047567 MLS
Cute 2 bed/2 bath home on S. Walnut St in Urbana. Enjoy a fenced backyard, deep 1-car detatched garage, and concrete driveway. Inside, you'll find two living rooms, kitchen with laundry hookups, and an owner's suite with walk-in closet and en suite bath. Inspections are welcome. Being sold in as-is condition. See it today!

830 S Walnut St, Urbana
418 Railroad St, Urbana
$168,900
2 Beds ⋅ 1 Baths ⋅ 1047212 MLS
This charming home has been transformed and is ready for a new owner. Updates include roof, siding, electrical, plumbing, flooring, lighting, windows, interior and exterior doors and drywall. All you need to do is move in and enjoy! The washer, dryer and kitchen appliances are included with the house.

418 Railroad St, Urbana
337 E Church St, Urbana
$183,500
5 Beds ⋅ 4 Baths ⋅ 1047106 MLS
***Motivated Sellers*** Whether you're searching for a spacious family home or a fantastic investment opportunity, 337 E. Church St. has it all! Located just a few blocks from downtown Urbana, you'll enjoy an easy walk to local shops, restaurants, and entertainment. Originally a duplex and currently used as a single-family home, this versatile property features 4-5 bedrooms and 3.5 bathrooms. With two separate staircases already in place, it offers an excellent opportunity to convert it back into a duplex if desired. Inside, the large living room provides plenty of space for everyday living, entertaining guests, or hosting family gatherings. Outside, the fenced backyard offers room for children and pets to play, gardening, or relaxing around a cozy fire pit. The detached garage could be renovated or replaced to provide convenient off-street parking. Whether you're looking for a forever home with room to grow or a property with income potential, 337 E. Church St. is full of possibilities!

337 E Church St, Urbana
88 Willowwood Cir, Urbana
$25,000
3 Beds ⋅ 2 Baths ⋅ 1045184 MLS
Welcome to 88 Willowwood Circle, just on the rim of Urbana! Take a look at this 3-bed, 2-bath mobile home with an open layout kitchen & living room! This 2002 14x70 Redman is waiting for its new owners! Updates include new HVAC & hot water tank installed 6 years ago. Easy to move right in! Schedule your showing now!

88 Willowwood Cir, Urbana
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