What 400k buys you in Montgomery County PA in 2026
Many buyers start their home search with a key question: what does my budget actually buy in today’s market? In Montgomery County, 400k can look very different depending on the town, property type, and proximity to rail or major commuting routes. Understanding these differences is essential to setting realistic expectations and making strong, confident offers—and this is where Shaina McAndrews’ local expertise becomes invaluable.
How location shapes what 400k can buy
In some Montgomery County towns, a 400k budget may access a single-family home with a yard and off-street parking, especially if the property is a bit farther from rail or major town centers. In more walkable boroughs or highly sought-after school districts, that same budget might be better suited to a smaller single-family home, a twin, or a well-located condo or townhouse. Shaina helps buyers see these tradeoffs clearly so they can choose whether space, walkability, or school district matters most.
Matching your budget to your priorities
Shaina begins by clarifying your top priorities—commute time, walkability, school preferences, home size, or yard space—and then shows you how those priorities interact with a 400k price point across different communities. This might mean considering slightly different towns than you first imagined or exploring property types you had not initially considered. With detailed examples and recent sales data, she helps you understand where your budget stretches furthest and where you may need to compromise.
Spotting value and future potential
Not all 400k homes are equal in terms of long-term value and potential. Some properties may need cosmetic updates but offer strong fundamentals in a solid neighborhood; others may look updated but sit in areas with less upside. Shaina points out construction quality, layout flexibility, and neighborhood trends so buyers can see both current livability and future potential. Her goal is to help you choose a home that works today and positions you well for tomorrow.
Moving from online browsing to focused tours
Online, 400k can appear to buy more than it actually does once you look closely at location and condition. Shaina narrows down listings to those that truly reflect your budget and priorities, saving you time and reducing frustration. Focused, high-quality tours help you quickly understand what a strong 400k home looks like in different parts of Montgomery County, so when the right one appears, you are ready to move.
If you want to see exactly what 400k can buy you in Montgomery County in 2026, and how to make that budget go as far as possible, schedule a buyer consultation with Shaina.
