Effingham Homes under $500,000

Welcome to Effingham, New Hampshire, a picturesque gem nestled in the heart of Carroll County. Known for its stunning natural beauty and small-town charm, Effingham offers a delightful blend of outdoor adventure and peaceful living. With the majestic White Mountains as a backdrop and the serene waters of the nearby lakes, this town is a haven for nature lovers and outdoor enthusiasts alike.

Effingham boasts a rich history and a tight-knit community, making it an ideal place for families and individuals seeking a tranquil lifestyle. The area is dotted with charming local shops, cozy cafes, and vibrant farmers' markets, where residents can enjoy the best of local produce and crafts. The town's commitment to preserving its natural landscapes ensures that residents can enjoy hiking, fishing, and boating in a pristine environment.

For those looking to make Effingham their home, you'll be pleased to discover a variety of charming properties available for under $500,000. Whether you’re seeking a cozy cabin tucked away in the woods, a charming farmhouse with sprawling views, or a modern home with easy access to outdoor activities, Effingham has something to suit every taste and budget.

With its affordable housing options and a welcoming community, Effingham is not just a place to live—it's a place to thrive. Come explore the beauty and warmth of Effingham, where your dream home awaits amidst the stunning landscapes of New Hampshire!

Newest Effingham Homes under $500,000

$379,000

3 Beds ⋅ 3 Baths ⋅ 5112785 MLS

Nestled on a private 4.36-acre wooded lot, this charming Cape-style home offers an ideal retreat in the heart of NH’s Lakes & Mountains region. Step through the welcoming mudroom into a light-filled, open-concept kitchen, living, and dining area featuring a full bath. Double doors open onto a private back deck overlooking tranquil woods; a perfect vantage point for watching local wildlife. Upstairs, the spacious primary bedroom features a half bath and generous space for a home office setup. The fully finished walkout lower level adds impressive living space, complete with two additional bedrooms, a full bath, a versatile bonus room, laundry facilities, and double doors opening to a scenic lower patio made for entertaining. Essential home systems including a whole-house water softener, reverse osmosis unit, and radon air mitigation: provide worry-free peace of mind. Complete with a spacious, wired 2-car garage with heating potential and close proximity to outdoor recreation and local amenities, this property is sold as-is and ready for your vision. Property disclosures are in attachments.

258 Pine River Rd, Effingham

$259,000

2 Beds ⋅ 1 Baths ⋅ 5112220 MLS

Enjoy a relaxed pace of life near Province Lake! Set on 1.5 acres in Effingham, within walking distance of the lake, this cozy two bedroom, one bath home offers approximately 900 square feet of living space all on one level. The level lot provides space to garden, gather with friends, or simply enjoy time outdoors, with a shed for additional storage. Spend your days exploring the lake area, enjoying a round at nearby Province Lake Golf, or heading north to North Conway for shopping, dining, and mountain adventures. A convenient home base for exploring the Lakes Region and White Mountains, and just over two hours from Boston. Bring your ideas and personal touches to make this property your own!

24 Stevens Rd, Effingham

$450,000

3 Beds ⋅ 2 Baths ⋅ 5108914 MLS

A rare find in Effingham: this charming historic home has been completely rehabbed from top to bottom, offering the perfect blend of old-world character and modern comfort. Featuring 3 bedrooms and 2 full bathrooms, every space has been thoughtfully refreshed and is move-in ready. Situated on a setting that delivers total privacy, this property is a true retreat unwind in peace while still being minutes from all that the Lakes Region offers. Whether you're seeking a full-time residence, a vacation getaway, or a weekend escape, this beautifully restored home is ready for its next chapter. Open House Saturday from 1:30-3:00

148 Hobbs Rd, Effingham

$299,900

2 Beds ⋅ 1 Baths ⋅ 5107382 MLS

Toby says, it's like brand new! That's right Toby, new windows, new paint inside and out! It's been redone from the studs in! And it's move in ready! Log sided, tucked off the road amid some tall trees for wonderful privacy. The deck is only about 6 years old and now wraps around to both exits! Another bonus here, one of these exits opens to a fenced dog yard! Let's go inside, vaulted ceiling keeps the living room light and airy. Mini split keeps house cool in summer and warm in winter! And new windows means the cool stays in and the cold stays out! Kitchen sits in the middle of the house separating the 2 bedrooms and there is an updated 3/4 bath. Need a bit more room? Drop the ladder and head up to the loft! Keep as extra sleeping space (did we mention there is a 3 bedroom septic installed just 3 years ago) or some inside storage. There's still some summer left. Toby thinks you should be spending sitting out on the deck. As the evenings start cooling down, gather around the firepit, make S'mores or Toby says how about fire grilled steak! Nice level lot has mature trees screening you from the road and the neighbors! Back of lot is mostly wooded, how about some random trails out there? ATV riding perhaps? Sellers are ready to move on and you could be here as fast as the title company can get the paperwork done! Toby is sure this one will go fast, he says don't hesitate, schedule your showing now! RV on the property is available for purchase, though not included in this price or will be removed. Property is gated, please wait to go in for agent. Sellers have dogs when there.

49 Townhouse Rd, Effingham

$366,000

3 Beds ⋅ 2 Baths ⋅ 5101894 MLS

Discover this private New Hampshire property offering space, flexibility, and an ideal location in the heart of New England. Situated on 2 private acres, this inviting home provides a peaceful setting while remaining conveniently accessible to many of the region's most popular destinations. Enjoy an easy drive to Portland, Maine, the White Mountains of New Hampshire, the NH Seacoast, and Lake Winnipesaukee, making it perfect as a year-round residence or vacation retreat. The property offers a large detached garage with ample space for vehicles, outdoor equipment, hobbies, or workshop use. Above the garage, you'll find a studio apartment offering excellent flexibility for guests, extended family, rental income potential, a home office, or creative workspace. Additional guest accommodations provide even more room for family and visitors. Recent improvements add to the home's appeal, including a roof that is just a few months old, providing peace of mind and reducing future maintenance concerns. Surrounded by nature and offering plenty of room to relax and enjoy the outdoors, this versatile property combines the tranquility of country living with the convenience of nearby recreation, dining, shopping, and travel routes. Whether you're seeking a primary home, multi-generational living options, or an investment opportunity, 185 Green Mountain Road offers endless possibilities in a beautiful New Hampshire setting. Private, spacious, and full of potential...this is a property you'll want to experience for yourself.

185 Green Mountain Rd, Effingham

$495,000

3 Beds ⋅ 3 Baths ⋅ 5100789 MLS

Nestled on a beautifully landscaped 2.21-acre lot, this charming home offers the perfect blend of privacy, comfort, and convenience. Located just a half mile from Route 16, you'll enjoy a peaceful setting surrounded by mature landscaping, gardens, a manicured lawn, and thoughtfully designed outdoor spaces, all while remaining close to everyday amenities and recreational opportunities. The property is a true outdoor retreat, featuring irrigation, landscape lighting, a cozy firepit area, and a charming bunkhouse that is ideal for camping adventures, a creative studio, or a quiet getaway space. Positioned near the center of the lot, the home enjoys a wonderful sense of seclusion and privacy. Inside, the well-maintained floor plan is designed for comfortable living and effortless entertaining. The kitchen, dining area, and living room flow seamlessly together, creating a warm and inviting gathering space. A convenient half bath with laundry is located just off the kitchen, while direct access from the garage makes daily living easy and practical. Step outside to the rear deck, conveniently located off the kitchen and dining area, creating the perfect setting for outdoor dining, entertaining, and relaxing. The second floor offers three bedrooms and two full baths, including a lovely primary suite featuring a charming three-window nook overlooking the front yard, filling the space with natural light and character. A walk-up attic provides abundant storage and offers excellent potential for future finishing as a bonus room, office, or hobby space. The partially finished basement adds valuable flexible living space, perfect for guests, a playroom, fitness area, or media room, while still preserving ample utility and storage space. Additional features include radiant heat, central air conditioning, and central vacuum. The location is exceptional, just minutes from shopping, approximately 25 minutes to Conway and Wolfeboro. Deeded access to Pine River. Open House 08/01 11 -1.

124 Riverwood Cir, Effingham

$489,000

3 Beds ⋅ 2 Baths ⋅ 5100576 MLS

Come and explore this charming Cape-style home, built in 1850, nestled on 58 acres of scenic land in the Historic District of Effingham, NH. This delightful residence features 2 bedrooms and 1.5 bathrooms, with a convenient laundry room located on the first floor. Upon entering through the front door, you'll find a cozy bedroom with a half bathroom to your left and a welcoming living room to your right. Straight down the entryway, you’ll discover a second bedroom, followed by a combined bathroom and laundry room. The small yet functional kitchen leads to a spacious dining room, complete with a wood fireplace and pellet stove for the cold nights. From the dining room you can go out to the back deck or into the back shed where there is plenty of storage. Upstairs you have a third bedroom and a bonus room along with some Attic Space. Outside there a 32x40 garage/barn added for your vehicles or recreational vehicles. This barn has a 200amp service as well has hook ups for welding if you need to repair some equipment. THIS HOME IS BEING SOLD AS IS, less the furnishings and personal items.

681 Province Lake Rd, Effingham

$370,000

3 Beds ⋅ 2 Baths ⋅ 5097899 MLS

Nestled in a peaceful country setting, this well maintained home offers the perfect blend of comfort, privacy, and functionality. The main level features an updated kitchen with an adjoining dining area, a bright and inviting living room, a primary suite with an ensuite bathroom, two additional bedrooms, and a full guest bathroom. The finished lower level provides exceptional flexibility with two bonus rooms, a spacious recreation/sitting room featuring a new pellet stove, a dedicated laundry area, and ample storage space. Situated on over two private acres, the property offers plenty of room to enjoy the outdoors. Whether you're looking to garden, keep animals, or simply relax and take in the peaceful surroundings, this property has something for everyone. A newly constructed pond adds to the charm, creating a tranquil setting to enjoy throughout the seasons. If you're looking for country living with modern updates, flexible living space, and room to spread out, this is a property you won't want to miss!

47 Henry Dr, Effingham

$485,000

1 Beds ⋅ 1 Baths ⋅ 5089306 MLS

This waterfront home offers 100 feet of owned shoreline, a private dock, and wide-open views stretching straight to the mountains. Set on a manageable .26-acre lot, it offers the relaxed, timeless feel of classic year-round lake living. From the moment you arrive, the property feels ready for lake days. The flat, open lot is perfect for setting up an evening by the water, afternoon games, or getting ready for a slow cruise around the lake. When you head indoors, the living room opens into the combined kitchen and dining area, keeping the easy flow of the day going. You’ll find the bedroom just off the kitchen. A short hall leads to a practical ¾ bath with everything you need, and beyond that, a surprisingly spacious family room. A slider opens to the lake side of the property, with open water and mountain views that make this spot a true highlight of the home. Toward the back of the lot, a finished bunkhouse creates an effortless landing spot for summer visitors, with electricity, handy countertop and cabinet space, a mini-fridge, and enough room to relax after a day on the water. Your shoreline and dock make it simple to enjoy the lake from morning to evening, whether you start the day by the water, spend a little time on the sandy edge, or head over to nearby Province Lake Golf, local dining, or the shops and restaurants of North Conway. A Rinnai heater provides warmth, and the location offers an easy blend of lake living and everyday convenience. Quick access to Routes 153 and 16.

104 Bailey Rd, Effingham

Start Your Search

board logo Copyright 2026 PrimeMLS, Inc. All rights reserved. This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this display comes in part from the IDX Program of PrimeMLS. The information being provided is for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated .