Ferndale Homes under $400,000

Welcome to Ferndale, New York—a charming gem nestled in the heart of Sullivan County. Known for its picturesque landscapes and friendly community, Ferndale is the perfect place to call home. With its rich history and vibrant local culture, this quaint town offers a unique blend of rural charm and modern convenience.

Ferndale boasts a variety of outdoor activities, making it an ideal destination for nature enthusiasts. Surrounded by lush forests and scenic mountains, residents can enjoy hiking, fishing, and exploring the great outdoors. The nearby Delaware River adds to the allure, providing opportunities for kayaking and peaceful riverfront picnics.

For those seeking a vibrant community, Ferndale is just a short drive from larger towns like Liberty and Monticello, where you’ll find an array of shopping, dining, and entertainment options. The local farmers' markets and seasonal festivals bring the community together, creating a warm and welcoming atmosphere.

One of the most appealing aspects of Ferndale is the availability of homes under $400,000. Whether you’re a first-time homebuyer, looking to downsize, or seeking a vacation getaway, there are delightful options that cater to various lifestyles. From charming bungalows to spacious family homes, you’ll discover properties that combine affordability with character.

With its stunning natural beauty, strong sense of community, and affordable housing options, Ferndale is not just a place to live—it’s a place to thrive. Come explore the possibilities and find your dream home in this enchanting town!

Newest Ferndale Homes under $400,000

$335,000

2 Beds ⋅ 2 Baths ⋅ 1051241 MLS

This sweet country farmhouse offers an invitation to settle in, slow down and enjoy the simple pleasures of life. Set upon a quiet country road in the heart of Sullivan County, this charming home includes lake rights to Indian Lake, lush gardens + greenhouse, and a barn ready for your vision. The cheery red home features a stone-faced covered porch surrounded by established landscaping and old rock walls. Classic hydrangeas and lilacs blend seamlessly with newer plantings that the current owners have put in to create a wonderful natural border along the front of the property. It is the kind of front porch where you could easily curl up on the rocking chair for hours. Inside, the flow feels easy. A spacious living room with exposed-beam ceilings leads to a sunroom/mudroom and kitchen nook, where surrounding windows and sliders to a small deck flood the space with natural light. The country kitchen itself, complete with fun red checkerboard flooring and gas stove, connects to the adjacent dining room. One of the home's two full baths sits on this main level. The owners have embraced the timeless character of the house, keeping it comfortably true to its roots as a snapshot of an earlier time. Painted in warm hues, the layout features wood floors throughout, as well as access to an unfinished basement---with washer and dryer---off the kitchen. Upstairs, a landing connects the two cozy bedrooms and a second full bathroom with a classic clawfoot tub. As a fantastic bonus for a property of this age, both bedrooms, the bathroom, and the landing feature built-in closets. Outside, the gardens extend well past the front yard. A gentle stone walkway and stairs lead past the side deck into the backyard garden, while on the other side of the house, meandering grassy paths take you to the 2-story barn that stands ready to bring your vision to life. Beyond the gardens, you’ll see the lake sparkle through the trees. Wander further down the property for direct access to the lake. Centrally located in Sullivan County with the charming downtowns of Livingston Manor and Jeffersonville each just 15 minutes away. Also nearby, enjoy summer concerts and a variety of other activities and festivals throughout the year at Bethel Woods Center for the Arts. Less than 2 hours from NYC. If you’re looking for a delightful upstate farmhouse with lake rights and a barn, this is the one!

54 Devany Road, Ferndale

$240,000

3 Beds ⋅ 2 Baths ⋅ 1051369 MLS

Room to breathe, room to grow, and plenty of possibilities! This 3-bedroom, 1.5-bath ranch offers 1,278 sq. ft. of comfortable one-level living on a 1.48-acre level lot. Step inside to an inviting open floor plan where the kitchen flows seamlessly into the living room, creating a great space for everyday living and entertaining. A wood-burning fireplace adds warmth and character to the living area. Additional features include oil-forced hot-air heat, updated electrical service, a roof replaced just 5 years ago, and an oversized attached garage with plenty of room for vehicles, storage, or a workshop. Bring your vision and make this inviting property your home!

130 Bushville Swan Lake Road, Ferndale

$259,000

2 Beds ⋅ 1 Baths ⋅ 1037754 MLS

Looking for an affordable place to call home in Sullivan County? 131 Ferndale Road is a well-maintained two-bedroom, one-bath home offering a comfortable Catskills setting with the convenience of town water and easy access to Route 17/I-86. Inside, the open living, dining, and kitchen areas create an inviting and functional layout, with plenty of natural light and views toward the surrounding property. Two bedrooms, a full bath, and laundry provide everything you need in an efficient, easy-to-maintain home. Step outside onto the wraparound deck and enjoy the peaceful setting and sounds of the stream below—a great spot for morning coffee, entertaining, or simply relaxing. Recent improvements include a newer metal roof and spray-foam insulation beneath the floors for added efficiency. The detached two-car garage offers plenty of room for vehicles, storage, or a workshop and includes a separate office/bonus room in the rear for even more flexibility. Located in the Liberty Central School District and just minutes from Liberty, Ferndale, shopping, dining, and highway access. Whether you're looking for a great starter home, a Catskills getaway, or simply an affordable, well-cared-for property in a convenient location, 131 Ferndale Road is well worth a look. Whether you're looking for your first home, downsizing, or simply searching for an affordable Catskills property, 131 Ferndale Road offers a nice combination of value, convenience, and a peaceful setting just minutes from Liberty.

131 Ferndale Road, Ferndale

Start Your Search

Listings courtesy of OneKey® MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker or MLS GRID. 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.

© 2026 TReND. All Rights Reserved.
The data relating to real estate for sale on this website appears in part through the TReND Internet Data Exchange (IDX) program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Real Broker NY LLC participates, and is provided by TReND through a licensing agreement. Real estate listings held by brokerage firms other than Real Broker NY LLC are marked with the IDX icon and detailed information about each listing includes the name of the listing broker.
All information provided is deemed reliable but is not guaranteed. Some properties which appear for sale on this website may no longer be available because they are under contract, have sold or are no longer being offered for sale. 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.