Oswego Homes under $400,000

Welcome to Oswego, Illinois – a charming village nestled in Kendall County that beautifully blends suburban tranquility with vibrant community life. Located just 45 minutes southwest of Chicago, Oswego offers an idyllic setting for families, young professionals, and retirees alike. With its picturesque landscapes, friendly neighborhoods, and a rich tapestry of local culture, it’s no wonder that Oswego is quickly becoming a sought-after destination for homebuyers.

Oswego boasts a variety of amenities that cater to all lifestyles. Enjoy leisurely strolls along the Fox River, explore the scenic trails of the nearby parks, or indulge in shopping and dining at the quaint local boutiques and eateries. The community is also home to top-rated schools, making it an ideal place for families looking to settle down and provide their children with quality education.

For those seeking affordable housing options, Oswego has a delightful selection of homes priced under $400,000. Whether you’re in the market for a cozy single-family home, a modern townhouse, or a charming bungalow, you’ll find a diverse range of properties that suit your needs and budget. These homes often feature spacious layouts, contemporary designs, and beautiful outdoor spaces, perfect for entertaining or enjoying peaceful evenings with loved ones.

With its welcoming atmosphere, strong community spirit, and affordable housing options, Oswego is not just a place to live; it’s a place to thrive. Discover your dream home in this enchanting village and embrace the vibrant lifestyle that awaits you in Oswego, Illinois!

Newest Oswego Homes under $400,000

$275,000

3 Beds ⋅ 3 Baths ⋅ 12785015 MLS ⋅ NEW Status

Welcome home to this beautifully maintained 3-bedroom, 2.5-bathroom two-story condo! As an end unit, this home offers added privacy and peaceful views from your patio that backs up to a tree lined setting. The bright, inviting main level features durable laminate flooring and kitchen with stainless steel appliances. Upstairs, you'll find three comfortable bedrooms, including a spacious primary suite with walk in closet. Enjoy the ease of an attached garage and the low-maintenance lifestyle condo living provides. With a desirable layout, great natural views, and plenty of space to call your own, this home is a must-see! Many updated done including: new Carpet 2024, New washer and dryer 2025, new dishwasher 2025, new garage door opener 2024, new nest theromstat 2026, garbage disposal 2021, and roof in 2018.

109 Waterbury Circle Unit #109, Oswego

$389,900

3 Beds ⋅ 4 Baths ⋅ 12782679 MLS ⋅ NEW Status

East-Facing Former Builder's Model Home with Beautiful Water Views and 2,861 Sq. Ft. of Living Space. Why settle for less space when you can have it all? At 199 Dorset Avenue, you'll find more room than many single-family homes, including three spacious bedrooms, two full and two half bathrooms, a finished lower level, and a two-car attached garage-all with the convenience of low-maintenance living. Step inside to a bright, welcoming main level featuring elegant wainscoting, hardwood flooring, and a warm gas fireplace. The oversized kitchen is perfect for everyday living and entertaining, with Merillat cabinetry, granite countertops, stainless-steel appliances, a center island, breakfast bar, pantry, and plenty of workspace. The open layout connects naturally with the dining and living areas. Upstairs, the primary suite provides a comfortable private retreat with two custom-organized walk-in closets and a spa-inspired bathroom featuring dual sinks, a jetted tub, and a separate full-body spray shower. Two additional bedrooms, another full bathroom, and convenient second-floor laundry complete the upper level. Need additional space? The finished lower level offers outstanding flexibility, with a large recreation or media room, space for a home office, gym or game area, another half bathroom and ample storage. Outside, begin your mornings or relax in the evenings on the private patio overlooking the water. Prairie Point Community Park is only steps away, keeping trails, recreation, and green space within easy reach. At only $195 per month, the association includes exterior maintenance, lawn care, snow removal, and insurance. You will also enjoy access to the community clubhouse, swimming pool, and fitness center. Located in Oswego School District 308, 199 Dorset Avenue offers a rare combination of spacious living, peaceful surroundings, desirable amenities, and low-maintenance convenience. Schedule your private showing and experience it for yourself.

199 Dorset Avenue, Oswego

$350,000

4 Beds ⋅ 3 Baths ⋅ 12776567 MLS ⋅ NEW Status

Welcome home to a space that offers more than you might expect, with three levels of flexible living and thoughtful updates throughout. Located in Oswego's sought after Southbury community, this 4 bedroom, 2.1 bath townhome offers comfort, convenience, and versatility for everyday living. Step inside and head upstairs to the heart of the home, where hardwood floors connect the spacious living and dining areas to a kitchen designed for both everyday living and entertaining. Featuring a large island, ample cabinetry, table space, and access to the deck, this inviting space makes it easy to gather and unwind. Upstairs, three comfortable bedrooms offer a private retreat from the main living areas. The primary suite features its own full bathroom and walk in closet, while conveniently located laundry adds ease to everyday routines. The finished walkout lower level provides even more possibilities, featuring a fourth bedroom currently used as a home office, with fresh carpeting installed in 2026, a spacious closet, and sliding glass doors leading directly to the patio. Whether used as a guest bedroom, home office, workout room, or additional living space, this versatile room offers flexibility to suit a variety of needs. The lower level also provides convenient access to the attached 2 car garage. Several important updates have already been completed, including a new furnace and A/C in 2022, whole house water filtration and an additional under sink kitchen filtration system, an updated dishwasher, gas range, kitchen sink and faucet, and stackable washer and dryer. Beyond the home, Southbury offers community amenities including pools, a clubhouse, fitness center, parks, and playgrounds. With thoughtful updates, flexible living spaces, and community amenities to enjoy, this townhome offers a wonderful opportunity to settle in, make it your own, and enjoy everything Southbury has to offer.

142 Lakeshore Drive, Oswego

$345,000

2 Beds ⋅ 3 Baths ⋅ 12783632 MLS ⋅ NEW Status ⋅ Churchill Club BLDG.

This beautifully updated end-unit townhome is now available in the highly desirable Churchill of Oswego! The home has been completely refreshed in today's trendy colors and finishes, making it a distinctive choice. Boasting the largest 2-bedroom floorplan at nearly 2,000 sq. ft. - comparable to the larger 3-bedroom models - it offers potential options for conversion if desired. Upon arrival, the inviting covered front porch greets you. Inside, you will find an impressive two-story Entry and Living Room filled with natural light, sure to leave a lasting impression. The Kitchen has been exquisitely updated with high-end stainless appliances, 42-inch cabinets, and elegant quartz countertops and island, seamlessly connecting to the cozy Family Room. A separate Dining Room (or flex room) is conveniently situated off the Kitchen, along with a Laundry Room equipped with front-load washer and dryer on pedestals and a refreshed Powder Room, making the first floor highly functional. Upstairs, the spacious Primary Suite features 3 closets and a beautifully updated Bathroom with a quartz countertop and a luxurious floor-to-ceiling shower enclosure complete with built-ins and a high-end shower head. The 2nd Bedroom and nicely updated Hall Bathroom are thoughtfully positioned on the opposite side of the home. A spacious and versatile Loft awaits, adaptable to your needs. The finished 2-Car Garage includes overhead storage mounted to ceiling. Enjoy the picturesque sunsets from the privacy of your patio and backyard. This home has been lovingly maintained by the current owner along with 2 former owners. RECENT UPDATES INCLUDE: total Kitchen redo, vinyl plank flooring throughout, white doors & trim and hardware, A/C, HWH, water softener, Primary Bathroom, and 2nd Bathroom. Living in Churchill Club, you'll enjoy fantastic resort-style amenities, including a clubhouse, outdoor pool with waterslide, splash pad, exercise room, gathering rooms, tennis/pickleball courts, sand volleyball court, playgrounds, parks, walking trails, and so much more. The highly regarded District 308 schools - including Churchill Elementary, Plank Junior High, and the Brokaw Early Learning Center - are all within the community, with Oswego East High School just a short distance away. Plus, shopping, dining, entertainment and daily conveniences are nearby. Offering modern updates, a premium location, top-tier amenities, and move-in-ready condition, this exceptional home presents a rare opportunity in one of Oswego's most sought-after communities!

483 Dancer Lane, Oswego

$330,000

2 Beds ⋅ 1 Baths ⋅ 12782732 MLS ⋅ NEW Status

Discover a rare Fox Riverfront home for sale in Oswego, Illinois! Situated on a 1.05-acre lot directly across from the Fox River and Veterans Serenity Park, this property offers stunning year-round water views and immediate access to the Fox River Trail right outside your front door. Perfect for biking, jogging, or scenic walks, this location combines outdoor recreation with small-town charm. This 2-bedroom, 1-bath home offers 1,200 sq. ft. of living space filled with natural light. The inviting living room features warm wood-accent walls, a bay window overlooking the park and river, and an open layout that flows into the dining space-ideal for entertaining. The bright kitchen has vaulted ceilings, tile flooring, and plenty of potential for customization. A full basement provides additional storage or expansion space. Car lovers, mechanics, and hobbyists will appreciate the oversized 3-car garage with an extra-high overhead door, perfect for storing boats, RVs, and other outdoor toys. A storage shed is also included. The spacious deck is ideal for morning coffee, weekend BBQs, and watching the sunset over the water. Located just minutes from downtown Oswego's shops, restaurants, and community events, this property offers both tranquility and convenience. Whether you're seeking a single-family home with river views, a vacation home in Oswego, or a prime redevelopment lot in Kendall County, 34 N Adams St is a one-of-a-kind opportunity.

34 N Adams Street, Oswego

354 Ogden Falls Boulevard Unit #354, Oswego

$219,000

2 Beds ⋅ 1 Baths ⋅ 12782156 MLS ⋅ ACTIVE Status ⋅ Ogden Falls BLDG.

Welcome to 354 Ogden Falls Blvd in Oswego! This well-maintained 2-bedroom home features a bright, open-concept layout with hardwood floors throughout the main living areas. The spacious living room is centered around a beautiful stone fireplace and flows seamlessly into the dining area and kitchen. The kitchen offers ample cabinetry, stainless steel appliances, and plenty of counter space. Both bedrooms offer great natural light and closet space, with additional conveniences including in-unit laundry and an attached garage. Step outside to your private deck, perfect for relaxing or entertaining. Conveniently located near shopping, dining, parks, and everything Oswego has to offer. Move-in ready and ready to welcome you home!

354 Ogden Falls Boulevard Unit #354, Oswego

$399,000

4 Beds ⋅ 2 Baths ⋅ 12781314 MLS ⋅ ACTIVE Status

Beautifully updated and ideally located just minutes from downtown Oswego, this home puts parks, shopping, and restaurants within walking distance! Renovated approximately five years ago, the bright kitchen showcases white soft close cabinetry, quartz countertops, new stainless steel appliances, and updated lighting. Its open layout connects the eat-in area and living room, creating an inviting space for everyday living and entertaining. New engineered hardwood flooring throughout adds warmth and a cohesive look, while the renovated bathrooms offer updated vanities and fresh paint. The entire exterior has also been repainted, giving the home a fresh, welcoming look and added curb appeal. Major mechanicals, including the roof and windows, have all been replaced within the past 10-12 years, providing added peace of mind. Enjoy extensive updates and convenient access to everything Oswego has to offer!

147 Monroe Street, Oswego

$279,995

2 Beds ⋅ 2 Baths ⋅ 12780824 MLS ⋅ PRICE CHANGE Status

Welcome to Farmington Lakes! This beautifully updated 2-bedroom, 1.5-bath townhome backs to a peaceful pond and offers the kind of updates buyers rarely find at this price point. The primary suite is a standout, featuring a fully renovated spa-style bath with a designer shower system and a custom-built walk-in closet. The open main level connects the kitchen, breakfast nook, and spacious living area, filled with natural light and ideal for everyday living or entertaining. The kitchen offers stainless steel appliances and a breakfast bar. Additional updates include fresh paint throughout, new luxury vinyl flooring in the second bedroom, an updated half bath, and a convenient second-floor laundry room. The big-ticket items are done: roof, windows, and patio door (with lifetime transferable warranty), plus furnace, A/C, humidifier, and water heater, all still under warranty. An oversized 2-car attached garage and ample driveway space complete the package. Located in Oswego School District 308. Schedule your showing today!

570 Springbrook Trail, Oswego

$285,000

2 Beds ⋅ 2 Baths ⋅ 12771710 MLS ⋅ ACTIVE Status ⋅ Churchill Club BLDG.

Welcome home to this beautiful 2-bedroom, 1.5-bath townhome located in the highly desirable Churchill Club community! Perfectly positioned backing to the community walking path, this home offers extra yard space and added privacy-a wonderful setting to relax and enjoy the outdoors. Step inside to a bright, open-concept layout featuring 9-foot ceilings and large windows that fill the home with natural light. The spacious kitchen offers 42-inch cabinetry and flows seamlessly into the separate dining area-perfect for everyday meals, entertaining friends, or hosting family gatherings. The inviting family room provides plenty of space to unwind while enjoying the bright and airy atmosphere. Upstairs, the spacious primary bedroom features a vaulted ceiling and two separate closets for ample storage along with a full bathroom with generous storage. Down the hall is the second bedroom and a versatile loft area-ideal for a home office, workout space, playroom, or cozy reading nook. Enjoy all that Churchill Club has to offer! This sought-after clubhouse community features multiple pools, parks, tennis and basketball courts, a fitness center, sled hill, miles of walking paths, and more. Plus, enjoy the convenience of being within walking distance of the on-site preschool, elementary school, and junior high. A beautiful home, fantastic amenities, and a welcoming community-all ready for its next owner!

403 Bluegrass Parkway, Oswego

$375,000

3 Beds ⋅ 3 Baths ⋅ 12778398 MLS ⋅ ACTIVE Status

Welcome to 16 Sherwick Rd, a spacious and inviting 5-bedroom, 3-bathroom home nestled on a quiet street in Oswego, offering an open floor plan, abundant storage, and a peaceful setting surrounded by mature trees. This home offers a versatile layout designed for comfortable everyday living and entertaining. The main level features a bright living room, dining area, and kitchen with an eating area, breakfast bar, center island, and pantry, creating a welcoming space for gatherings. Three bedrooms are conveniently located across the main level, while the basement provides additional living space and two more bedrooms, offering excellent flexibility for guests, a home office, hobbies, you name it! Numerous improvements enhance the home's comfort and appeal. New luxury vinyl plank flooring was installed throughout most of the main level in June 2026. The main bathroom was updated and the main living areas received new paint in June 2026. A 6-foot cedar privacy fence was added in March 2025, creating a private outdoor setting, while all main-level windows were replaced in June 2025 with a transferable warranty to the next owner. Enjoy an exceptional location close to everyday conveniences and recreation. The home is mere minutes to the Civic Center and its pool and is less than a five-minute drive to the community center with indoor pool, golf course, Fox River, and downtown Oswego. Costco and Sam's Club are approximately 10 minutes away. Residents will also appreciate access to highly regarded local schools. This home combines a desirable location, thoughtful updates, flexible living space, and a peaceful neighborhood setting. Schedule your showing today!

16 Sherwick Road, Oswego

172 Presidential Boulevard Unit #172, Oswego

$324,000

3 Beds ⋅ 2 Baths ⋅ 12775742 MLS ⋅ ACTIVE Status

Ready to move in 3 bedroom, 1.5 bath recently upgraded house with wood laminate floors in living and dining area. New carpet, new appliances and new bathrooms and paint.

172 Presidential Boulevard Unit #172, Oswego

$325,000

2 Beds ⋅ 3 Baths ⋅ 12775485 MLS ⋅ ACTIVE Status

READY TO OWN YOUR OWN PROPERTY? COME SEE THIS WONDEFULL TOWNHOME TRULY READY TO MOVE IN, 2 BEDROOM, 2.1 BATH, QUIET CUL-DE-SAC, OPEN VAULTED CEILING, 2 STORY LIVING ROOM WITH A FIREPLACE, VERY NICE KITCHEN, VERY WELL TAKEN CARE OF UNIT. COME SEE IT TODAY.

419 Prairieview Drive, Oswego

Start Your Search

The data relating to real estate for sale on this website comes in part from the Broker Reciprocity program of Midwest Real Estate Data LLC. Real Estate listings held by brokerage firms other than our company are marked with the MRED Broker Reciprocity logo or the Broker Reciprocity thumbnail logo (the MRED logo) and detailed information about them includes the names of the listing brokers. Some properties which appear for sale on this website may subsequently have sold and may no longer be available. The accuracy of all information, regardless of source, including but not limited to square footages and lot sizes, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The information being provided is 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.

Copyright 2026 MRED LLC. All rights reserved.

Based on information submitted to the MLS Grid as of . All data is obtained from various sources and has not been, and will not be, verified by broker or MLS Grid. MRED supplied Open House information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

NOTICE: Many homes contain recording devices, and buyers should be aware they may be recorded during a showing.

The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the DMCA) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@theMLSGRID.com.

The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Some listings have been excluded from this website.