Montgomery City Homes under $350,000

Welcome to Montgomery City, Missouri—a hidden gem nestled in the heart of Montgomery County. This charming community offers a perfect blend of small-town charm and modern conveniences, making it an ideal place for families, retirees, and first-time homebuyers alike. With a rich history and a welcoming atmosphere, Montgomery City invites you to explore its picturesque streets, vibrant local culture, and friendly residents.

One of the standout features of Montgomery City is its affordability. With a variety of homes available for under $350,000, this area presents an excellent opportunity for those looking to invest in real estate without breaking the bank. Whether you’re searching for a cozy starter home, a spacious family residence, or a quaint bungalow, you’ll find a diverse selection of properties that cater to different tastes and budgets.

The local real estate market is thriving, with homes that boast modern amenities, beautiful yards, and proximity to parks and schools. Imagine enjoying weekend strolls through the scenic parks or hosting gatherings in your backyard while your children play nearby. Montgomery City not only offers affordable housing but also a strong sense of community, where neighbors know each other and local events bring everyone together.

With its ideal location, Montgomery City provides easy access to larger metropolitan areas, ensuring you can enjoy the best of both worlds. Experience the charm and warmth of this delightful city—your dream home awaits in Montgomery City, where affordability meets community spirit!

Newest Montgomery City Homes under $350,000

$187,500

4 Beds ⋅ 2 Baths ⋅ 26061041 MLS

Looking for room to spread out without breaking the bank? This recently rehabbed 4-bedroom, 2-bath ranch offers plenty of space and flexibility, all on one level. Located at the end of a dead-end road within Montgomery City limits, the home features fresh interior paint, newer flooring, and multiple living, family and recreation areas, providing plenty of options for a larger household, home office, playroom or hobby space. The oversized attached 2-car garage offers additional room in the back for a small workshop, storage or projects. A wheelchair-accessible front entrance adds even more versatility to this one-level home. With four bedrooms, multiple gathering spaces, an oversized garage and a $187,500 price tag, 418 E Norman St. offers a lot of house for the money.

418 E Norman St, Montgomery City

Courtesy of Stumbaugh Realty, LLC 573-220-9441

$184,000

4 Beds ⋅ 1 Baths ⋅ 26060523 MLS

Freshly remodeled approx. 4 years ago. 4-bedroom home! Tons of updates including newer wiring, plumbing, floor coverings, windows, siding, fixtures, roof and more. 3 bedrooms on the main level, 1 full bath. 23x12 upper loft room. Modern kitchen and open concept. Small patio off the laundry room, fenced back yard with garden shed conveying. Gas forced heat, central electric. Come check it out! It is ready for you.

427 N State St, Montgomery City

Courtesy of Milner Agency 573-564-3433

$299,900

3 Beds ⋅ 2 Baths ⋅ 26057940 MLS

Welcome to 105 Sharon Dr! This beautifully updated 3-bedroom, 2-bath home is situated on a spacious, level 1/2-acre lot in the established Werges Meadows Subdivision. Step inside to a bright, open floor plan featuring a spacious kitchen with a center island, plenty of workspace, and all appliances included. The home has been thoughtfully updated throughout, offering a fresh, move-in-ready feel. The finished lower-level rec room provides additional living and entertaining space, while a separate office offers the perfect spot for working from home, hobbies, or extra flex space. Outside, enjoy the generous level yard surrounded by mature trees in a quiet, established neighborhood. To make this home even more appealing, the sellers are offering a $4,000 flooring credit, allowing the new owners to add their own finishing touch. With its updated interior, flexible living spaces, large lot, and inviting location, this Montgomery City home is ready for its next owner!

105 Sharon Dr, Montgomery City

Courtesy of Berkshire Hathaway HomeServices Select Properties 636-462-8924

$160,000

3 Beds ⋅ 4 Baths ⋅ 26056370 MLS

Historic Victorian Home with Endless Potential Step back in time with this charming 3-Story Victorian home, built in 1880 and filled with character and possibilities. This spacious property offers a welcoming entryway, formal dining room, separate kitchen and a large living room featuring beautiful wood floors. The wrap-around front porch adds timeless curb appeal and provides the perfect spot to relax and enjoy the outdoors. The home offers a main-level laundry area and a bathroom addition at the back of the house. An exterior entrance provides convenient access to the basement. The metal roof was installed approx. 2013, and furnace/AC with heat pump were replaced in 2011. A standout feature is the 3-car detached garage, offering plenty of space for vehicles, storage, hobbies, or a workshop. The upper level includes separate living quarters, complete with full kitchen, dining area and family room-an ideal setup for extended family, guests, rental potential or additional living space. This historic home needs some TLC and is ready for someone to bring their vision and restore its character. With its original charm, generous living spaces, detached garage, upstairs living quarters, this property offers a unique opportunity to own a piece of history and make it your own. Could be used as a bed and breakfast or an Airbnb.

407 W 2nd St, Montgomery City

Courtesy of Milner Agency 573-564-3433

$158,000

3 Beds ⋅ 1 Baths ⋅ 26050015 MLS

Freshly painted and completely move-in ready! Built in 2010, this accessible 3-bed, 1-bath home features a spacious open floor plan, cathedral ceilings with decorative shelving, and allergy-friendly stamped concrete floors. The kitchen and dining areas showcase modern light fixtures and sliding door access to the patio. Additional highlights include a handicap-accessible entrance, a central hallway laundry closet, a 1-car carport, a large circular driveway, and a covered front porch. Mature trees for a shaded yard. Stove and refrigerator convey with home.

209 Pickering St, Montgomery City

Courtesy of Milner Agency 573-564-3433

$274,900

3 Beds ⋅ 3 Baths ⋅ 26052184 MLS

Beautiful 3 Bed, 2.5 Bath Home in a Great Neighborhood! Located just steps from a local park, this home offers a warm, inviting layout with an open main level filled with natural light. The basement features two bedrooms and a full bathroom, providing a private and functional space for guests, family, or additional living needs. The property also includes a 2+ car garage, offering ample room for vehicles, storage, or hobbies. A wonderful opportunity for buyers seeking a peaceful neighborhood with convenient outdoor access.

202 S Norwood Ave, Montgomery City

Courtesy of Milner Agency 573-564-3433

$189,900

3 Beds ⋅ 2 Baths ⋅ 26044591 MLS

Welcome home to this charming 3-bedroom, 2 bath property situated on spacious 140 x 70 lot! The large kitchen offer plenty of room for cooking and entertaining, and all appliances convey with the sale. Enjoy the generous backyard, perfect for outdoor activities, gardening or relaxing. A new roof was installed in May 2026, providing peace of mind for years to come. Don't miss the opportunity to make this home your own! Property is zoned R-2-commercial/residential.

718 N Sturgeon St, Montgomery City

Courtesy of Milner Agency 573-564-3433

$315,000

3 Beds ⋅ 2 Baths ⋅ 26042494 MLS

MAINTENANCE FREE! BRAND NEW ROOF! BRAND NEW COOLING UNIT!! Plus multiple other improvements. This home is READY for its new owner to just move in and start living. Welcome to one of Eagle Estates' most desirable locations! This beautifully maintained 3-bedroom ranch offers the perfect combination of quality construction, exceptional care, and an outstanding setting just a short walk from the Montgomery County Golf Course. Built in 2005, this home has been meticulously cared for and it shows from the moment you arrive. Attractive landscaping, excellent curb appeal, and a welcoming front porch set the tone before you even step inside. The spacious main level is filled with natural light thanks to true dormer windows, creating bright, inviting living spaces rarely found in homes of this style. The thoughtful floor plan offers comfortable everyday living with generous room sizes and an attached oversized two-car garage. Downstairs, the full basement is a standout feature. No foundation cracks...something Missouri homeowners know is increasingly uncommon...giving buyers confidence and a fantastic opportunity to finish additional living space, create a workshop, home gym, or simply enjoy abundant storage. The location is just as impressive as the home itself. With no homes directly in front or behind, you'll enjoy open, unobstructed views and an added sense of privacy that's difficult to find in a subdivision. Combined with easy access to the golf course and a quiet, established neighborhood, this is a property that truly stands apart. Homes that have been this well cared for, in a location like this, don't come available often. Schedule your private showing today and experience everything this Eagle Estates home has to offer.

454 Rose St, Montgomery City

Courtesy of Stumbaugh Realty, LLC 573-220-9441

$299,000

2 Beds ⋅ 2 Baths ⋅ 26039881 MLS

The subject property is located at Scratcher's Lake in Montgomery County. The lake is a shared 20 acre fishing lake. The annual dues are $200. The road to the property is private with a $600 per year maintenance fee. Propane tank is owned an provides gas to fireplace. This home is constructed using ICF (Insulated Concrete Form) to maximize energy efficiency.

74 Block Ln, Montgomery City

Courtesy of Milner Agency 573-564-3433

$219,900

3 Beds ⋅ 2 Baths ⋅ 26036432 MLS

Spacious ranch home in the heart of town! Features include 3 bedrooms, 2 baths, with split bedroom design. Master suite was added on to the rear of home that boasts vaulted ceilings, dual closets, master bath, and door out to the patio and back yard. The original 2nd & 3rd bedrooms were combined to make another large bedroom with dual closets as well. Leaving the home with 3 good sized bedrooms. Other features include, living room with hardwood floors, laundry/utility room, kitchen with oak cabinets and stone backsplash, and oversized one car garage. All this setting on a nice sized corner lot with additional parking and large shade trees.

428 N Walker St, Montgomery City

Courtesy of Pinnacle Real Estate 636-235-8686

$259,500

3 Beds ⋅ 1 Baths ⋅ 26028636 MLS

311 S Wentz St | Montgomery City | Built 2021 | 3 Bed (Loft Included) | 1 Bath | 2 Lots *BACK ON THE MARKET WITH A BIG CHANGE! This one-of-a-kind home has just gotten even better. The seller has reconfigured the home to provide direct interior access to the finished upper-level loft area, creating a seamless connection to approximately 300 additional square feet of finished living space. Built in 2021 by a meticulous craftsman, this home is filled with thoughtful details that are hard to find today. The spacious open-concept living area flows into an oversized kitchen featuring custom soft-close cabinetry and abundant workspace. The large primary bedroom includes a walk-in closet, while the impressive bathroom features a soaking tub and plenty of room to unwind. The newly integrated upper-level space offers tremendous flexibility as an additional bedroom, guest space, home office, game room or private retreat. Outside, the property spans TWO city lots and includes an attached garage, carport and two storage sheds, including one with electric. If you saw this home before, it's time to take another look. The floor plan has changed, the usable living space has changed, and 311 S Wentz deserves a fresh look! If you’re tired of cookie-cutter homes and want something with soul…this is one you need to see in person.

311 S Wentz St, Montgomery City

Courtesy of Stumbaugh Realty, LLC 573-220-9441

$99,900

4 Beds ⋅ 1 Baths ⋅ 26005548 MLS

PRICE DROP! GREAT INVESTMENT PROPERTY. POSSIBLE AIR BNB AND POSSIBLE OPTION TO SPLIT LOT TO BUILD ADDITIONAL HOME. CHECK SETBACK RULES WITH MONTGOMERY CITY. Historical Home with 4 BEDROOMS, @2,025 SQ FT. on .724 Acres in the Heart of Montgomery City. High Ceilings and Expansive Living Space with Living Room, Separate Family Room and Separate Dining Room. Unique Floorplan with 2 Bedrooms on Main & 2 Bedrooms Up. Historical Home w/ Amazing Leaded Glass Windows. Gorgeous Solid Wood Pocket Doors & Hardwood Floors Thru-out Plus Main Floor Laundry & High-End Lennox HVAC. Amazing Home for the right Buyer who may be in the Trades & Would Love to Make this the Home of their Dreams. Walk the breathtaking.724 Acre with Soaring Trees Throughout. A Lot like this is Rarely Seen. Unique property w/ lots of potential for the right Buyers willing to put in Sweat Equity to Make it Your Perfect Home. Structural repairs needed. . This is an "As Is" Sale with Homeowner Making No Repairs. Please submit all offers on Special Sales Contract. AGENTS PLEASE MAKE SURE YOU ONLY MAKE APPTS FOR SERIOUS BUYERS THAT HAVE VALID AND CONFIRMED PROOF OF FUNDS. THIS HOME CAN NOT BE SOLD WITH TRADITIONAL FINANCING. THIS HOME WILL NOT QUALITY FOR FHA, VA, USDA, OR CONVENTIONAL LOANS. Thank you.

302 E Walsh St, Montgomery City

Courtesy of RE/MAX EDGE 636-300-3030

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Listing information is provided courtesy of the Broker Reciprocity/IDX of Bagnell Dam Association of REALTORS® and Lake of the Ozarks Board of REALTORS®, Inc. Multiple Listing Services. Copyright 2026 Multiple Listing Service, Inc. of Bagnell Dam Association of REALTORS® MLS, Inc. and Lake of the Ozarks Board of REALTORS® MLS, Inc. Information is being provided for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information herein is believed to be accurate and timely, but no warranty as such is expressed or implied. 2026 Century 21 Community