Duncan Homes under $400,000

Welcome to Duncan, British Columbia – a hidden gem nestled in the heart of Vancouver Island! Known for its stunning natural beauty and vibrant community spirit, Duncan offers the perfect blend of small-town charm and modern conveniences. Whether you’re a first-time homebuyer, a retiree, or looking for a cozy getaway, this picturesque city has something for everyone.

One of the most appealing aspects of Duncan is its affordability. With a variety of homes available under $400,000, you can find the perfect place to call home without breaking the bank. Imagine waking up each day to breathtaking views of the Cowichan Valley or the serene waters of Cowichan Bay, all while enjoying the comforts of your own affordable residence. From quaint bungalows to charming townhouses, Duncan’s real estate market features diverse options that cater to different lifestyles and budgets.

Duncan is not only known for its homes but also for its rich cultural heritage. The city is famous for its vibrant Indigenous art scene, with totem poles adorning the downtown area, and hosts numerous festivals throughout the year, celebrating its diverse community. Enjoy leisurely strolls through local parks, explore the nearby vineyards, or indulge in the culinary delights offered by local restaurants.

With its beautiful landscapes, friendly atmosphere, and affordable housing options, Duncan is truly a place where you can create lasting memories. Come discover what makes this lovely city so special, and find your dream home in Duncan today!

Newest Duncan Homes under $400,000

$229,900

2 Beds ⋅ 1 Baths ⋅ 1052523 MLS

Perfect for First-Time Homebuyers, Downsizers or Investors! Welcome to Maple Grove in Duncan. This bright and beautifully updated 2-bedroom, 1-bathroom condo offers a move-in-ready opportunity in an incredibly convenient location. The unit features new paint, trim and laminate flooring throughout, creating a clean, modern feel. The spacious open-concept living and dining area is ideal for everyday living and entertaining, with sliding doors leading to your private deck. The updated bathroom features a modern floating vanity with quartz countertop, while the heat pump provides efficient heating and cooling year-round. Located directly across from Berkey’s Corner, you’ll have Country Grocer, restaurants, coffee shops, services and everyday amenities just steps away. The complex is investor-friendly with no rental restrictions and allows one dog or cat. Additional features include a private storage room. A fantastic opportunity in a convenient location! Book your private showing today.

3271 Cowichan Lake Rd Unit ##1, Duncan

Courtesy of Real Broker

$209,900

1 Beds ⋅ 1 Baths ⋅ 1052337 MLS

Welcome to Lockwood Villa! This well-kept one-bedroom, one-bathroom condo offers affordable living in an incredibly convenient Chemainus location. Freshly painted and featuring newer carpet, updated flooring and a new tub surround, the unit feels clean and bright. The galley-style kitchen features painted cabinetry and newer appliances. One of the biggest highlights is the shopping plaza just steps away, with a grocery store, pharmacy, fitness centre, coffee shop, restaurants and local craft brewery right nearby. Enjoy everyday convenience without needing to go far! The charming downtown core offers more local shops, restaurants, Chemainus Theatre and the town’s famous outdoor murals, with beautiful coastal surroundings close by. Whether you're a first-time buyer, looking to downsize or seeking an investment opportunity, this is a great chance to enjoy comfortable, low-maintenance living in a welcoming Vancouver Island community.

3040 Pine St Unit ##204, Chemainus

Courtesy of Real Broker

$119,900

2 Beds ⋅ 2 Baths ⋅ 1052098 MLS

A little Cowichan Bay gem in the rough, just waiting for fresh ideas! Tucked into the welcoming 55+ Edgewater Terrace community, this 2-bedroom, 2-bath double-wide has a surprisingly spacious, easy-flowing floor plan with a generous living room, separate dining area, propane fireplace, wall A/C and bright enclosed rear entry. There’s charm, character and plenty of opportunity to make it your own. Best of all, you’re just minutes from Cowichan Bay village, the marina, cafés, restaurants, shopping and recreation. Pad rent is approx. $782/month. Rentals are not permitted. Park approval is required and remaining park improvement requirements apply. Park documents available upon request.

4544 Lanes Rd Unit ##6, Cowichan Bay

Courtesy of Pemberton Holmes Ltd. (Cow Vall)

$254,900

1 Beds ⋅ 1 Baths ⋅ 1052043 MLS

Welcome to Chemainus Gardens! Set within a scenic 34-acre community, this charming 1-bedroom, 1-bathroom home backs onto a peaceful pond, offering a rare outdoor oasis with a deck overlooking the water and surrounding lush trees. Inside, the home was freshly painted this year and features a brand-new on-demand gas water heater, convenient in-unit laundry, and a bright kitchen with ample counter and cabinet space. Outside, you’ll find a freshly painted deck (2025) and a handy storage shed equipped with power. Enjoy peace of mind with a low pad rent of $591.28 in this friendly, adult-oriented, and pet-friendly community—complete with walking trails and a dedicated dog park. You are just minutes from historic Chemainus, famous murals, local cafés, shopping, golf, and the theatre. A fantastic, budget-friendly, turnkey opportunity for low-maintenance homeownership! All measurements are approximate; buyer to verify if important.

3042 River Rd Unit ##107, Chemainus

Courtesy of eXp Realty (NA)

18 King George St Unit ##309, Lake Cowichan

$269,900

2 Beds ⋅ 1 Baths ⋅ 1052251 MLS

Sharply priced and spotless, this 866 sqft., updated 2 bedroom, top level condo in beautiful Lake Cowichan is within walking distance of shopping, trails, parks, senior's center, pubs, restaurants, swimming and of course the gorgeous Cowichan River and pristine Cowichan Lake! Nice bright kitchen with quartz countertops and quality appliances, good sized dining area and the spacious living room opens to the deck which is a great place to take in your surroundings. Both bedrooms are generous in size, the full bathroom has seen some updating and the washer/dryer was new in February of 2026. This is a professionally managed, 55 plus building with secure entry, elevator, secure underground parking, a small pet is welcome and the monthly strata fee is only $347.09. 20 minutes to the big box stores in Duncan and about 1.5 hours to either Victoria or Nanaimo. This area offers endless recreation with hunting fishing, boating hiking and is a gateway to the west coast for salmon fishing.

18 King George St Unit ##309, Lake Cowichan

Courtesy of Sutton Group-West Coast Realty (Dunc)

$283,900

3 Beds ⋅ 1 Baths ⋅ 1052130 MLS

Welcome to this bright and updated 3 bed, 1 bath townhome offering comfortable living in a convenient Ladysmith location. Fresh paint, updated flooring and newer windows give the home a fresh, modern feel, while the functional two-level layout offers great space for investors, families, or those looking to downsize. The inviting main living area opens to a private patio and yard, perfect for gardening, relaxing or entertaining friends and family. Located in a family-friendly, pet-friendly complex close to all levels of schools, shopping, recreation, parks and everyday amenities, this is an excellent opportunity to enjoy comfortable living in a central location. A great chance to add your own personal touches while building equity.

721 Malone Rd Unit ##6, Ladysmith

Courtesy of REMAX Professionals (LD)

18 King George St Unit ##110, Lake Cowichan

$333,000

3 Beds ⋅ 1 Baths ⋅ 1052059 MLS

Don’t miss this amazing three-bedroom condo in Lake Cowichan. It has great walkability to all the essentials plus multiple parks and swimming areas. Restaurants, Shopping, Senior’s Centre & Medical Services at your doorstep. Largest unit in this complex. The building has an elevator and is professionally managed. Walk in bathtub with jets for a good soak! In-house full-size washer and dryer. Double sized balcony looks over a large lawn, which is connected to a church, so nice quiet area. Close to the Trans Canada Trail Network. Lake Cowichan is a beautiful lake side community, quiet in the winter and vibrant in summer! Easy to show, come check it out.

18 King George St Unit ##110, Lake Cowichan

Courtesy of RE/MAX Generation (LC)

$250,000

1 Beds ⋅ 1 Baths ⋅ 1050908 MLS

Enjoy easy downtown living at The Cedars! Located on the second floor, this well-laid-out 1-bedroom, 1-bathroom condo offers a comfortable and functional living space. The layout includes a kitchen, dedicated dining area, spacious living room, bedroom, 4-piece bathroom, and a covered balcony. With no age restrictions and rentals permitted, this is a great option for first-time buyers, downsizers, or investors. The unit includes one parking space and a separate storage locker. Ideally situated in downtown Duncan, you can leave the car at home and walk to shops, restaurants, cafés, services, and everyday amenities. An affordable opportunity to own in a convenient, central location!

380 Brae Rd Unit ##207, Duncan

Courtesy of Pemberton Holmes Ltd. (Cow Vall)

$399,000

3 Beds ⋅ 2 Baths ⋅ 1051392 MLS

Spacious 3 bedroom, 2 bathroom townhouse offering 1,623 sq ft of comfortable living space with a flexible two level layout. The main level features a generous family room with access to an exceptionally large private patio, a bedroom and bathroom, private in unit laundry, plus an impressive storage room providing nearly 200 sq ft of additional space. Upstairs you’ll find a bright living and dining area, functional kitchen, two additional bedrooms including the primary, and a second full bathroom. The large patio provides plenty of room for outdoor dining, gardening and relaxing. Two parking spaces add everyday convenience. With excellent storage, generous room sizes and a versatile floorplan, this home offers plenty of space to make your own.

961 Trunk Rd Unit ##7, Duncan

Courtesy of REMAX Professionals (NA)

$399,000

2 Beds ⋅ 2 Baths ⋅ 1050907 MLS

Bright, spacious and wonderfully walkable, this 2-bedroom, 2-bathroom 55+ condo is ideally located in the heart of downtown Chemainus, just steps from shops, restaurants and the waterfront. Large thermal windows with top-down/bottom-up shades fill the open-concept living, dining and kitchen area with natural light, and the north-facing exposure keeps the condo comfortably cool in the summer. The updated kitchen offers plenty of cabinetry and includes appliances, along with convenient in-suite laundry. A patio door opens to a small deck for a little outdoor space. The primary bedroom features a walk-in closet and 4-piece ensuite, while a second bedroom and 3-piece bathroom provide flexibility for guests, an office or hobbies. A new hot water tank adds peace of mind. Covered parking, a separate storage unit and secure bike storage complete this comfortable 55+ home in one of Chemainus’s most convenient locations.

9876 Esplanade St Unit ##201, Chemainus

Courtesy of Pemberton Holmes Ltd. (Cow Vall)

$372,000

1 Beds ⋅ 1 Baths ⋅ 1051055 MLS

Welcome to Moonlight Ridge! This is an excellent newly built CORNER UNIT GROUND LEVEL one-bedroom, one-bath townhome with a no-step entrance and backyard! Enjoy being within walking distance to all amenities including; grocery stores, restaurants, pubs, local walking trails, soccer fields and much more! Enter inside to find nice finishing throughout with a very functional floor plan. The living room is spacious with an area for a desk! Follow into your kitchen that offers stainless steel appliances including a dishwasher, quartz countertops throughout, in-suite laundry and a nice flow out to your backyard patio area! The Master bedroom is on the opposite side of the home as the living room which is great for sound transfer. The bathroom is beautiful with a full tile tub surround, tile floor and quartz countertops! Seller upgrades include; Hunter Douglas privacy blinds, smart thermostats, closet-organizer, shelving in the master bedroom and patio landscaping!

3248 Sherman Rd Unit ##105, Duncan

Courtesy of RE/MAX Camosun

$269,900

3 Beds ⋅ 2 Baths ⋅ 1050858 MLS

Welcome home to one of the Valley's most sought-after mobile home communities. Lovingly cared for by the same owner for the past 36 years, this spacious 3-bdrm, 1,600 sq.ft. huge double-wide offers comfort, warmth and an amazing floor plan designed for everyday living. The thoughtful layout provides privacy for family and guests, with the primary bdrm situated at one end of the home and two additional bdrms at the other. Recent updates include new vinyl windows, a newer fridge and washing machine, and a recent electrical certification, allowing you to move in with confidence. Whether you're enjoying a quiet morning coffee, visiting with neighbours, or simply relaxing in your comfortable surroundings, you'll appreciate the sense of safety, community, and pride of ownership that make this home and park so special. A wonderful opportunity to enjoy easy living in a friendly, well-managed park. Easy walking paths create a wonderful place to call home. Pets are welcome upon park approval.

3497 Gibbins Rd Unit ##78, Duncan

Courtesy of Sutton Group-West Coast Realty (Dunc)

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