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Homes for Sale Under 400K in Ottawa, IL

59 Homes for Sale

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No HOANo HOA
Photo 1 of Single family home for sale at 444 1st Avenue, Ottawa, IL 61350 | MLS# 12788085 | Listing updated on 2026-10-27

$369,500

Views: 2

Bedrooms: 4Bds

Bathrooms: 4Ba

Area: 1,988sqft

Single family home for sale

444 1st Avenue, Ottawa, IL 61350

MLS ID #12788085, Coldwell Banker Real Estate Group

HotHot
Price CutPrice Drop: $25.1K
Photo 1 of Single family home for sale at 644 Congress St, Ottawa, IL 61350 | MLS# 12720594 | Listing updated on 2026-10-24

$349,900

Views: 17

Bedrooms: 4Bds

Bathrooms: 2Ba

Area: 2,350sqft

Single family home for sale

644 Congress St, Ottawa, IL 61350

MLS ID #12720594, Washington Square, Realtors

New
No HOANo HOA
Photo 1 of Single family home for sale at 608 Pearl St, Ottawa, IL 61350 | MLS# 12796639 | Listing updated on 2026-10-29

$349,500

Bedrooms: 4Bds

Bathrooms: 3Ba

Area: 2,224sqft

Single family home for sale

608 Pearl St, Ottawa, IL 61350

MLS ID #12796639, Coldwell Banker Real Estate Group

No HOANo HOA
Photo 1 of Single family home for sale at 704 Fort St, Ottawa, IL 61350 | MLS# 12707502 | Listing updated on 2026-09-29

$346,900

Views: 5

Bedrooms: 4Bds

Bathrooms: 4Ba

Area: 2,168sqft

Single family home for sale

704 Fort St, Ottawa, IL 61350

MLS ID #12707502, Coldwell Banker Real Estate Group

Photo 1 of Single family home for sale at 3 Dogwood Way, Ottawa, IL 61350 | MLS# 12711562 | Listing updated on 2026-08-30

$344,900

Views: 4

Bedrooms: 3Bds

Bathrooms: 2Ba

Area: 1,424sqft

Single family home for sale

3 Dogwood Way, Ottawa, IL 61350

MLS ID #12711562, Homesmart Realty Group Il

3D Tour3D Tour
Photo 1 of Single family home for sale at 401 E Prospect Ave, Ottawa, IL 61350 | MLS# 12662005 | Listing updated on 2026-10-27

$305,000

Views: 11

Bedrooms: 5Bds

Bathrooms: 2Ba

Area: 2,862sqft

Single family home for sale

401 E Prospect Ave, Ottawa, IL 61350

MLS ID #12662005, Coldwell Banker Real Estate Group

Photo 1 of Single family home for sale at 708 E Glover St, Ottawa, IL 61350 | MLS# 12768112 | Listing updated on 2026-09-29

$274,900

Views: 8

Bedrooms: 3Bds

Bathrooms: 3Ba

Area: 1,864sqft

Single family home for sale

708 E Glover St, Ottawa, IL 61350

MLS ID #12768112, Coldwell Banker Real Estate Group

New
Photo 1 of Single family home for sale at 421 View St, Ottawa, IL 61350 | MLS# 12794070 | Listing updated on 2026-10-28

$264,000

Views: 2

Bedrooms: 3Bds

Bathrooms: 2Ba

Area: 1,800sqft

Single family home for sale

421 View St, Ottawa, IL 61350

MLS ID #12794070, Coldwell Banker Real Estate Group

Price CutPrice Drop: $5K
3D Tour3D Tour
Photo 1 of Single family home for sale at 14 Bona Terra Dr, Ottawa, IL 61350 | MLS# 12716670 | Listing updated on 2026-10-08

$254,000

Views: 16

Bedrooms: 3Bds

Bathrooms: 2Ba

Area: 2,440sqft

Single family home for sale

14 Bona Terra Dr, Ottawa, IL 61350

MLS ID #12716670, Coldwell Banker Real Estate Group

3D Tour3D Tour
No HOANo HOA
Photo 1 of Single family home for sale at 508 Pearl St, Ottawa, IL 61350 | MLS# 12675369 | Listing updated on 2026-09-24

$245,000

Views: 15

Bedrooms: 4Bds

Bathrooms: 3Ba

Area: 2,718sqft

Single family home for sale

508 Pearl St, Ottawa, IL 61350

MLS ID #12675369, Coldwell Banker Real Estate Group

Price CutPrice Drop: $15K
Photo 1 of Multi family home for sale at 702 4th Avenue, Ottawa, IL 61350 | MLS# 12773310 | Listing updated on 2026-10-22

$240,000

Views: 5

Bedrooms: 4Bds

Bathrooms: 4Ba

Area: --sqft

Multi family home for sale

702 4th Avenue, Ottawa, IL 61350

MLS ID #12773310, Keller Williams Infinity

HotHot
Price CutPrice Drop: $4.6K
Photo 1 of Single family home for sale at 217 20th Avenue, Ottawa, IL 61350 | MLS# 12693961 | Listing updated on 2026-10-01

$239,900

Views: 16

Bedrooms: 4Bds

Bathrooms: 2Ba

Area: 2,102sqft

Single family home for sale

217 20th Avenue, Ottawa, IL 61350

MLS ID #12693961, Crosstown Realtors Inc

Price CutPrice Drop: $17K
3D Tour3D Tour
Photo 1 of Single family home for sale at 940 E Main St, Ottawa, IL 61350 | MLS# 12703178 | Listing updated on 2026-10-28

$239,900

Views: 12

Bedrooms: 3Bds

Bathrooms: 2Ba

Area: 1,584sqft

Single family home for sale

940 E Main St, Ottawa, IL 61350

MLS ID #12703178, Coldwell Banker Real Estate Group

No HOANo HOA
Photo 1 of Single family home for sale at 413 Hillside Ave, Ottawa, IL 61350 | MLS# 12774743 | Listing updated on 2026-10-12

$236,900

Views: 8

Bedrooms: 3Bds

Bathrooms: 1Ba

Area: 1,024sqft

Single family home for sale

413 Hillside Ave, Ottawa, IL 61350

MLS ID #12774743, Coldwell Banker Real Estate Group

New
Photo 1 of Single family home for sale at 670 Ottawa Ave, Ottawa, IL 61350 | MLS# 12795447 | Listing updated on 2026-10-28

$225,000

Views: 1

Bedrooms: 3Bds

Bathrooms: 2Ba

Area: 1,590sqft

Single family home for sale

670 Ottawa Ave, Ottawa, IL 61350

MLS ID #12795447, Coldwell Banker Real Estate Group

Price CutPrice Drop: $10K
No HOANo HOA
Photo 1 of Single family home for sale at 2113 Fields Pl, Ottawa, IL 61350 | MLS# 12758588 | Listing updated on 2026-10-27

$219,000

Views: 27

Bedrooms: 4Bds

Bathrooms: 2Ba

Area: 1,829sqft

Single family home for sale

2113 Fields Pl, Ottawa, IL 61350

MLS ID #12758588, Row House Realty Group Llc

HotHot
Photo 1 of Single family home for sale at 703 Chapel St, Ottawa, IL 61350 | MLS# 12737522 | Listing updated on 2026-09-15

$203,000

Views: 15

Bedrooms: 4Bds

Bathrooms: 2Ba

Area: 1,697sqft

Single family home for sale

703 Chapel St, Ottawa, IL 61350

MLS ID #12737522, Coldwell Banker Today'S

HotHot
Price CutPrice Drop: $9K
Photo 1 of Multi family home for sale at 1520 Adams St, Ottawa, IL 61350 | MLS# 12766398 | Listing updated on 2026-10-20

$189,500

Views: 11

Bedrooms: 2Bds

Bathrooms: 2Ba

Area: 1,392sqft

Multi family home for sale

1520 Adams St, Ottawa, IL 61350

MLS ID #12766398, Coldwell Banker Real Estate Group

Price CutPrice Drop: $10K
No HOANo HOA
Photo 1 of Single family home for sale at 900 Christie St, Ottawa, IL 61350 | MLS# 12711974 | Listing updated on 2026-10-20

$189,000

Views: 3

Bedrooms: 2Bds

Bathrooms: 2Ba

Area: 1,200sqft

Single family home for sale

900 Christie St, Ottawa, IL 61350

MLS ID #12711974, Re/Max Top Properties

Photo 1 of Single family home for sale at 424 State St, Ottawa, IL 61350 | MLS# 12790287 | Listing updated on 2026-10-27

$175,000

Views: 4

Bedrooms: 4Bds

Bathrooms: 2Ba

Area: 1,988sqft

Single family home for sale

424 State St, Ottawa, IL 61350

MLS ID #12790287, Crosstown Realtors Inc

Photo 1 of Single family home for sale at 1101 4h Rd, Ottawa, IL 61350 | MLS# 12775980 | Listing updated on 2026-10-03

$170,000

Views: 9

Bedrooms: 2Bds

Bathrooms: 1Ba

Area: 1,088sqft

Single family home for sale

1101 4h Rd, Ottawa, IL 61350

MLS ID #12775980, Coldwell Banker Real Estate Group

No HOANo HOA
Photo 1 of Single family home for sale at 1120 Charles St, Ottawa, IL 61350 | MLS# 12789924 | Listing updated on 2026-10-27

$166,900

Views: 2

Bedrooms: 2Bds

Bathrooms: 1Ba

Area: 780sqft

Single family home for sale

1120 Charles St, Ottawa, IL 61350

MLS ID #12789924, Coldwell Banker Real Estate Group

Showing 1 - 42 of 59 homes for sale in Ottawa, IL

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Ottawa, IL Housing Market Overview

Ottawa is a balanced market, giving buyers and sellers room to negotiate. With 4.8 months of supply and homes averaging 42 days on the market, you can make decisions without the pressure of a highly competitive market.

Status

Balanced Market

Days on Market

42

Inventory

82

Sep 2021Mar 2024Mar 2026

Median Home Price

$250,000Up 0.40%

In Mar 2026 · YoY

Sep 2021Mar 2024Mar 2026

Mortgage Rates 30-Yr Fixed

6.23%Down 0.58%

Current rate · YoY

Loan Type

30-Year Fixed

Housing Supply

Homes For Sale
82 Up 0.06%
Newly Listed Homes
22 Down 0.35%
Months of Supply
4.8 Up 2.00%

Housing Demand

Homes Sold
17 Down 0.00%
Sale-to-List Ratio
97.3% Down 0.72%
Homes Sold Above List
35.3% Down 0.42%

30-yr fixed rate 6.23% · Data as of Mar 2026 · Source: Houzeo Research.

View Full Ottawa Market Report
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  • mls-img
    This representation is based in whole or in part on data supplied by Midwest Real Estate Data, LLC through Oct 30, 2026, 11:45 AM. Midwest Real Estate Data, LLC does not guarantee nor is it in any way responsible for its accuracy. Data maintained by Midwest Real Estate Data LLC may not reflect all real estate activity in the market.

    Based on information submitted to the MLS GRID as of Oct 30, 2026, 11:45 AM. All data is obtained from various sources and has not been, and will not be, 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. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. Some IDX listings have been excluded from this website. Information is provided exclusively for consumers’ personal non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID, MRED or Houzeo. The use of the MLS GRID Data may be subject to an end user license agreement. Properties displayed may be listed or sold by various participants in the MLS,

    Listings courtesy of MRED as distributed by MLS GRID. ©2026 Midwest Real Estate Data LLC. All Rights Reserved
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Homes Available icon

59

Homes Available

Median List Price icon

$ 250,000

Median List Price

Avg on Market icon

42 Days

Avg on Market