City of New York Homes under $400,000

Welcome to the vibrant and dynamic City of New York, specifically the iconic borough of Manhattan! Known for its bustling streets, cultural diversity, and iconic skyline, Manhattan is not only a global hub for business and entertainment but also home to a rich educational landscape. The New York City Department of Education serves a diverse student population, offering a wide array of public schools, charter schools, and specialized programs. Families can take pride in knowing that many schools in Manhattan are recognized for their academic excellence, innovative curricula, and commitment to fostering creativity and critical thinking in students.

For those seeking an affordable entry into this exciting metropolis, there are homes available under $400,000, making it possible to experience the Manhattan lifestyle without breaking the bank. While the real estate market can be competitive, savvy buyers can find charming studios and one-bedroom apartments that provide a cozy retreat amidst the city's hustle and bustle. These homes often feature unique architectural details and are conveniently located near public transportation, parks, and local amenities, ensuring that everything you need is just a stone's throw away.

Living in Manhattan means more than just having a place to call home; it’s about immersing yourself in a community that celebrates art, culture, and education. With access to top-notch schools and diverse neighborhoods, families can thrive in this vibrant environment. Discover your dream home in Manhattan today, where opportunity and excitement await around every corner!

Newest City of New York Homes under $400,000

30 Macombs Place Unit #42, New York (Manhattan)

$209,000

2 Beds ⋅ 1 Baths ⋅ 1037626 MLS

Welcome to 30 Macombs Place, Manhattan! This charming 2-bedroom, 1-bathroom HDFC co-op offers approximately 700 square feet of comfortable living space and an exceptional opportunity to own in one of New York City's most iconic boroughs. Whether you're a first-time homebuyer or looking for an affordable place to call home, this residence combines value, convenience, and the unmatched lifestyle that only Manhattan can offer. The bright and inviting living area provides a comfortable space for everyday living and entertaining, while the well-proportioned bedrooms offer a peaceful retreat. Ideally situated, you'll enjoy easy access to parks, restaurants, shopping, schools, cultural attractions, and multiple public transportation options, making commuting throughout Manhattan and the surrounding boroughs effortless. This is an HDFC co-op with income restrictions at 130% AMI. Maximum household income limits are: 1 person – $121,420; 2 people – $138,840; and 3 people – $156,130. NO FLIP TAX, and subletting is permitted, making this an outstanding opportunity to own an affordable home in the heart of Manhattan.

30 Macombs Place Unit #42, New York (Manhattan)

305 E 40 Street Street Unit #4A, New York (Manhattan)

$378,000

1 Baths ⋅ 990954 MLS

Studio in the heart of the city. Close to public transportation. Roof deck, bike room and a few other amenities

305 E 40 Street Street Unit #4A, New York (Manhattan)

30 Macombs Place Unit #24, New York (Manhattan)

$218,999

2 Beds ⋅ 1 Baths ⋅ 981968 MLS

Welcome to 30 Macomb Place! This beautiful 2-bedroom coop in Harlem is in move in condition! Renovated unit with beautiful hardwood floors, spacious kitchen and good size rooms. Quiet and clean walk-up building! There are high ceilings, new bathroom and kitchen. Flooded with sunlight, window in every room, second room as small bedroom/office/dressing room, separate kitchen. central Harlem, $800 maintenance. Located in the central Harlem area which is a vibrant neighborhood steeped in history, culture, beautiful architecture, great food, and nightlife. This convenient Harlem location is walking distance to A C B D and 3 train and local buses. This is an HDFC Coop, income restrictions apply to 130 % AMI. The income maximum for 1 person is $103,480, 2 people $118,300 and 3 people $133,120. Please contact your agent for more information.

30 Macombs Place Unit #24, New York (Manhattan)

1989 Amsterdam Ave Unit #41, New York (Manhattan)

$219,000

2 Beds ⋅ 1 Baths ⋅ 977827 MLS

Welcome to Residence 41 at 1989 Amsterdam Avenue — a bright 2-bedroom on the 4th floor of a classic pre-war walk-up in Washington Heights .The apartment features a functional layout, windowed kitchen, and good natural light throughout. Needs minor TLC, offering great potential to customize and add value. Low monthly maintenance makes this an exceptional opportunity for affordable homeownership in Manhattan. Conveniently located near the A, C, and 1 trains, with easy access to shopping, dining, and everyday essentials.HDFC co-op – income restrictions apply (approximately not more than 125% of Area Median Income).

1989 Amsterdam Ave Unit #41, New York (Manhattan)

255 W 148 Street Unit #5B, New York (Manhattan)

$339,000

1 Beds ⋅ 1 Baths ⋅ 965857 MLS

PRICE REDUCED! Sun-Filled Harlem Corner 1-Bedroom — Move-In Ready & Steps from the 3 Train NEW PRICE! Don’t miss this opportunity to own a bright and inviting corner 1-bedroom co-op at 255 W. 148th Street, Apt. 5B, in the heart of Harlem. With multiple exposures, this sun-filled home enjoys abundant natural light throughout the day and offers a comfortable, functional layout in a convenient Manhattan location. Step inside to beautiful hardwood floors, a spacious living room, and a bright bedroom with open views. The generously sized kitchen offers plenty of functionality while also giving you the opportunity to update and personalize the space to your own taste. Whether you're a first-time buyer, looking for an affordable Manhattan home, or simply want to enjoy everything Harlem has to offer, this home provides value, light, location, and convenience at an attractive new price. Buyer eligibility includes 250% AMI requirements and an HPD primary-residence requirement. Buyers should confirm current eligibility requirements with the appropriate parties. The Washington is a post-war built in 2004 low-rise elevator building with six-floors and 15 apartments. Building features include a voice intercom system, bike room, gym, storage room, playroom, community rooms, on-site laundry room, on-site Super, wheel chair accessibility, and a keyed common courtyard! Prime Harlem Location 1 block to the 3 train at 148th Street & Adam Clayton Powell Jr. Boulevard Convenient to the A/B/C/D trains at 145th Street & St. Nicholas Avenue Close to City College of New York and Columbia University Minutes from Sylvia's Restaurant and Harlem's renowned dining and entertainment Convenient to Yankee Stadium, parks, shopping, and neighborhood amenities Enjoy the culture, energy, and convenience of Harlem living Move right in, make it your own, and take advantage of the new reduced price. Schedule your showing today! Move right in or customize to your taste.

255 W 148 Street Unit #5B, New York (Manhattan)

330 E 83 Street Unit #2J, New York (Manhattan)

$298,999

1 Baths ⋅ 926498 MLS

WELCOME TO THIS NICE STUDIO AT A PRIME LOCATION ON 83RD STREET. IT FEATURES AN ELEVATOR WITH A PART TIME DOORMAN. A SAFE PLACE TO CALL HOME :) THERE IS A LAUNDRY ROOM, BIKE RM & STORAGE LOCKERS - IF YOU ENJOY THE UPPER EAST SIDE, THIS BUILDING IS FOR YOU !! - CLOSE TO THE SUBWAY, BUSES AND TONS OF SHOPPING. FEEL FREE TO CALL US WITH ANY QUESTIONS.

330 E 83 Street Unit #2J, New York (Manhattan)

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