Polk County Homes under $200,000

Welcome to Polk County, Wisconsin – a hidden gem in the heart of the Badger State! Known for its stunning natural landscapes, friendly communities, and a wealth of outdoor recreational activities, Polk County offers a unique blend of small-town charm and modern conveniences. Nestled between the scenic St. Croix River and the serene lakes that dot the area, residents enjoy a lifestyle filled with adventure, relaxation, and a strong sense of community.

One of the most appealing aspects of Polk County is its affordability in the housing market. For those seeking a home under $200,000, you’ll find a variety of options that cater to different tastes and needs. From quaint single-family homes perfect for first-time buyers to cozy cottages near the water, Polk County's real estate landscape is diverse and inviting. This affordability makes it an ideal location for families, retirees, and anyone looking to embrace a simpler, more fulfilling lifestyle.

In addition to its attractive homes, Polk County is rich in amenities. Residents can enjoy local parks, hiking trails, and fishing spots, or take advantage of the vibrant local culture with farmers' markets, community events, and charming shops. With easy access to larger cities like Minneapolis and St. Paul, you can relish the tranquility of rural living while still being close to urban conveniences.

Whether you’re looking to buy your first home or seeking a peaceful retreat, Polk County, WI, is the perfect place to start your new chapter. Explore the opportunities that await you in this beautiful county, where your dream home is just a heartbeat away!

Newest Polk County Homes under $200,000

$190,000

4 Beds ⋅ 2 Baths ⋅ ACTIVE WITH OFFER Status

**Offers Due by 3:45pm on Friday, October 2nd Open House Canceled** Welcome to 606 River Street?where small-town living, convenience, and character come together in the heart of Osceola! This 4-bedroom, 2-bath home offers the space you?ve been looking for with a location that puts you close to all that downtown Osceola has to offer. Inside, you?ll find a functional layout with plenty of room to spread out, whether you?re looking for space for the whole crew, a home office, guest rooms, or simply room to grow. Four bedrooms provide flexibility, while two bathrooms help keep everyday life moving smoothly. Step outside and enjoy the convenience of being just minutes from downtown, local shops, restaurants, parks, and community amenities. Whether you?re grabbing coffee, heading out for a walk, enjoying a local event, or exploring everything Osceola has to offer, this location makes it easy to leave the car behind and enjoy small-town life. If you?ve been looking for an opportunity to own a home in Osceola with room to make it your own, 606 River Street is ready to welcome you home. Come see the possibilities!

606 River Street, Osceola

Listing courtesy of Saphire Realty.

$170,000

3 Beds ⋅ 2 Baths ⋅ ACTIVE Status

Waterfront property with endless potential! Bring your vision and make this waterfront property your own! This 3-bedroom, 2-bath home is ready for someone with a vision to bring it back to life and make it their own! Featuring 57 feet of waterfront, this property offers the perfect setting to enjoy peaceful mornings by the water, summer fun, and beautiful views! A spacious backyard, perfect for relaxing and entertaining and a cozy electric fireplace inside provide a cozy touch. This fixer upper could become a wonderful year-round home, weekend, getaway, or waterfront retreat. A great opportunity to create the home you?ve been dreaming of while enjoying life by the water.

766 Us Highway 63, Clayton

Listing courtesy of Biltmore Realty, LLC.

304 235th Street Unit A, East Farmington

$175,000

4 Beds ⋅ 1 Baths ⋅ ACTIVE WITH OFFER Status

Affordable rural living with a unique history as former military housing. This single-level home offers 4 bedrooms and 1 full bathroom, with a practical layout and plenty of space. Step inside to a large foyer that leads into the living room, featuring a wood-burning fireplace and a comfortable gathering space. The kitchen and dining area are located just off the living room, with four bedrooms, a full bathroom, and laundry room completing the main level. Outside, enjoy the recently redone deck with new boards overlooking the backyard, which backs up to a wooded setting. The home also offers the convenience of rural-municipal water and sewer. A great opportunity for affordable living in a quiet rural area.

304 235th Street Unit A, East Farmington

Listing courtesy of WESTconsin Realty LLC.

$199,900

2 Beds ⋅ 1 Baths ⋅ ACTIVE Status

Move-in ready and full of charm! This compact 1.5-story home offers 2+ bedrooms and a comfortable, easy-to-maintain layout. Hardwood floors add warmth and character throughout, while the galley-style kitchen makes great use of the space. Many of the windows have been updated, bringing in plenty of natural light. Outside, enjoy a nice lot with mature trees providing shade and a pleasant setting. The 1.5-car garage offers room for parking along with additional storage. Conveniently located within walking distance of Osceola schools and close to town amenities. Whether you're looking for your first home, downsizing, or simply want an affordable, move-in ready option, this home is ready for its next owner!

303 8th Avenue, Osceola

Listing courtesy of Century 21 Affiliated.

$200,000

3 Beds ⋅ 1 Baths ⋅ ACTIVE Status

Consider the potential of this property nestled on a .5-acre lot near Big Lake and Wind Lake! Located in Polk County, WI, Big Lake is a 245-acre lake known for fishing, recreation and relaxing days on the water, with fish including panfish, largemouth bass, northern pike and walleye. This home offers one bedroom on the main level, while the living room features a pellet stove for cozy supplemental heat. Main floor laundry and an open dining/living room space. Upstairs, the loft-style layout provides additional rooms and possibilities. One upper-level room has been updated with insulation and sheetrock, while the other retains its original construction?ready for your vision and finishing touches. The bathroom features a newer tub and attractive tile backsplash. Outside, the 26x25 garage provides plenty of room for vehicles, recreational toys and storage. Bring your ideas and add your own updates to create a comfortable full-time residence, or weekend retreat. With a peaceful setting and close proximity to area lakes and outdoor recreation, this property offers an opportunity to create your own vision.

1866 60th Avenue, Alden

Listing courtesy of Edina Realty, Corp. - St Croix Falls.

$200,000

3 Beds ⋅ 1 Baths ⋅ ACTIVE Status

1866 60th Avenue, Osceola

Listing courtesy of Edina Realty, Inc..

$159,900

1 Beds ⋅ 1 Baths ⋅ ACTIVE Status

Step into this cozy, well-maintained home, offering comfortable and easy one-level living. The spacious open-concept living room and kitchen create a welcoming gathering space, while large windows fill the home with natural light. The primary bedroom provides a comfortable retreat at the end of the day. Recent updates include a newer furnace, central air system, and a water heater. Outside, enjoy a spacious backyard with plenty of room for entertaining, gardening, or simply relaxing and enjoying the outdoors. The versatile shed offers additional space for a home office, hobby room, workshop, or extra storage. Move-in ready and full of potential, this inviting home is ready for its next owner. Schedule your showing today!

609 Us Highway 8, Apple River

Listing courtesy of LPT Realty.

$149,000

2 Beds ⋅ 1 Baths ⋅ ACTIVE WITH OFFER Status

Affordable country property on 1.71 acres with a detached 2-car garage! This 2-bedroom, 1-bath home features convenient main-floor laundry, a functional kitchen with ample cabinetry, comfortable living spaces, an enclosed porch filled with natural light, and an unfinished basement offering additional storage. Outside, you?ll find an expansive yard with mature trees and plenty of open space for gardening, recreation, or relaxing outdoors. The detached garage provides generous parking, storage, and workspace, and the portable fabric carport shown in the photos is also included. Bring your ideas and make this spacious rural property your own!

171 190th Avenue, Johnstown

Listing courtesy of Real Estate Solutions.

$179,900

3 Beds ⋅ 1 Baths ⋅ ACTIVE Status

Priced to sell! 3 BR, 1 BA country home on 2.03 secluded acres just Enjoy a main floor bedroom, spacious yard, privacy, and peaceful country living while staying close to town, area lakes, trails, and outdoor recreation. Vacant and ready for a new owner. Bring your ideas and dreams to make it your own!

1549 260th Avenue, Luck

Listing courtesy of Quorum Enterprises, Inc..

$110,000

1 Beds ⋅ 1 Baths ⋅ ACTIVE Status

Quality house built to code with insulation under the concrete. Finish as you like, this shell house has electricity already brought in giving you a head start on your home or get away property. Beautiful country home ready to be finished. Stick built with 6 inch walls , upgraded windows, electric on site. Vaulted ceilings and bathroom designed for a corner tub.

1280 150th Avenue, Balsam Lake

Listing courtesy of Edina Realty, Inc..

$200,000

3 Beds ⋅ 2 Baths ⋅ ACTIVE WITH OFFER Status

f you are looking for an investment opportunity, this may be what you are looking for. Located across the road from Horse Lake and minutes away from Round (Dwight) Lake and also the Stower Seven Lakes State Trail, this home offers not only a good location, but also outdoor adventure! This double wide manufactured home has been renovated from the ceiling down to the studs and rebuilt in 2023 with a new interior including new plumbing, electric, flooring, kitchen and bathrooms. The siding, windows and roofing were completed in 2024. In the remodel, the manufactured home HUD Tag info was lost, selling As-Is, special financing available. The detached 3-car garage has new garage door opener, concrete flooring with drain, insulated and heat ducts for a future heater.

798 Horse Lake Lane, Osceola

Listing courtesy of Edina Realty, Corp. - St Croix Falls.

$200,000

3 Beds ⋅ 2 Baths ⋅ ACTIVE WITH OFFER Status

If you are looking for an investment opportunity, this may be what you are looking for. Located across the road from Horse Lake and minutes away from Round (Dwight) Lake and also the Stower Seven Lakes State Trail, this home offers not only a good location, but also outdoor adventure! This double wide manufactured home has been renovated from the ceiling down to the studs and rebuilt in 2023 with a new interior including new plumbing, electric, flooring, kitchen and bathrooms. The siding, windows and roofing were completed in 2024. In the remodel, the manufactured home HUD Tag info was lost, selling As-Is, special financing available. The detached 3-car garage has new garage door opener, concrete flooring with drain, insulated and heat ducts for a future heater.

798 Horse Lake Lane, Dresser

Listing courtesy of Edina Realty, Inc..

Start Your Search

Copyright 2026 WIREX Multiple Listing Service. All rights reserved. IDX information is provided exclusively 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. All information is deemed reliable, but not guaranteed. Information is supplied by seller and other third parties and has not been verified.