Homes Under $500,000 in Garden City, Utah

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Finding an affordable home in Garden City offers a unique opportunity to own property in one of Utah's most scenic lakeside communities. With homes under $500K, you can enjoy the tranquil beauty of Bear Lake without breaking the bank. This charming town attracts families, retirees, and vacation home buyers who appreciate the area's famous turquoise waters, sandy beaches, and year-round recreational activities including boating, fishing, skiing, and snowmobiling.

Properties in this price range in Garden City typically include cozy single-family homes, townhomes, and condos that serve as perfect primary residences or weekend retreats. Many homes offer convenient access to Bear Lake State Park, local marinas, and the town's beloved restaurants and shops. The community maintains a welcoming, small-town atmosphere while providing essential amenities and services that make full-time living comfortable and enjoyable.

Browse our current listings below to discover available homes that match your budget and lifestyle needs. Whether you're searching for a year-round residence or a vacation getaway in Bear Lake country, Garden City's affordable housing market presents excellent value. Our experienced local agents understand the unique characteristics of this market and can help you find the perfect property that meets your goals. Contact us today to learn more about these opportunities or to schedule a showing.

View Homes Under $500K in Garden City, Utah


To buy in Homes Under 500k call us directly at 435-359-4332


188 Homes For Sale in HOMES UNDER 500K Utah

980 S CROSSED ARROWS CIR, Garden City UT 84028

980 S CROSSED ARROWS CIR
Garden City UT 84028

Wow! This coveted 1 acre homesite is southeast facing in a quiet cul-de-sac with a desirable gentle downhill slope perfect for a walkout, daylight basement belo...

  • 1.00 Acres

$245,000

446 N ELK RIDGE RD, Garden City UT 84028

446 N ELK RIDGE RD
Garden City UT 84028

Wake up to the kind of Bear Lake views you normally only see on postcards. This stunning lot is perfectly positioned to capture sweeping panoramas of the lake, ...

  • 0.74 Acres

$275,000

902 N NEWBURG #4, Garden City UT 84028

902 N NEWBURG #4
Garden City UT 84028

MOTIVATED SELLER! Now offering an exclusive end unit Newberg condo at Harbor Village with the best views in all of Bear Lake. Brand new exterior deck. Overlooki...

  • 1200 Sq Ft

  • 2

  • 2

$369,000

10.0k

1470 N TRAPPER LOOP, Garden City UT 84028

1470 N TRAPPER LOOP
Garden City UT 84028

Excellent view lot in the gated community of Swan Creek. Great location... just minutes to Bear Lake State Park Marina and downtown Garden City for "famous" an...

  • 0.13 Acres

$65,000

1343 N TRAPPER LOOP, Garden City UT 84028

1343 N TRAPPER LOOP
Garden City UT 84028

Swan Creek Village A Fractional Ownership Lakeside Retreat. Experience the Benefits of 1/8 Fractional Ownership at Swan Creek, Where 45 Nights a Year are Yours...

  • 4296 Sq Ft

  • 6

  • 4

  • 2

$130,000

3331 S SNOWSHOE CIR, Garden City UT 84028

3331 S SNOWSHOE CIR
Garden City UT 84028

Excellent 1.68 ac building lot in upper Sweetwater Sub. Great views of Bear Lake, mountains and valley. End of a cul-de-sac with power and water available. Sep...

  • 1.68 Acres

$119,000

3332 S MULES EAR CIR, Garden City UT 84028

3332 S MULES EAR CIR
Garden City UT 84028

Priced to sell! Create your own piece of heaven in the beautiful Sweetwater Park community of Garden City. Perfectly positioned at the end of a cul-de-sac, this...

  • 1.14 Acres

$95,000

3203 S NINA LOOP, Garden City UT 84028

3203 S NINA LOOP
Garden City UT 84028

GET A JUMP ON THE ACTION WITH THE NEW MARINA BEING BUILT! Enjoy the moody blues and hues of Bear Lake seasonally or ALL year round from this cozy and pristine 2...

  • 1020 Sq Ft

  • 2

  • 2

$299,500

399 N LAKEVIEWRIDGE RD, Garden City UT 84028

399 N LAKEVIEWRIDGE RD
Garden City UT 84028

Welcome to the Caribbean of the Rockies! Lake view at Bear lake is a new development in Garden city sprawled out on 66 acres . Boasting panoramic views of Bea...

  • 0.63 Acres

$275,000

1072 S MOUNTAIN MDW, Garden City UT 84028

1072 S MOUNTAIN MDW
Garden City UT 84028

Looking to escape and have your own piece of property in Bear Lake?! This great piece of land offers you a scenic view overlooking Bear Lake. Keeping the main h...

  • 0.68 Acres

$120,000

359 N LAKE VISTA DR, Garden City UT 84028

359 N LAKE VISTA DR
Garden City UT 84028

Beautiful prime lot with breathtaking mountain and lake views! This property offers the perfect blend of tranquility and convenience, just 5 minutes from town a...

  • 1.01 Acres

$195,000

, Garden City UT 84028


Garden City UT 84028

Make offer subject upon final plat approval with Garden City. Square footage subject to change upon recording of final plat. All utilities will be available by ...

  • 1.87 Acres

$215,000

, Garden City UT 84028


Garden City UT 84028

Make offer subject upon final plat approval with Garden City. Square footage subject to change upon recording of final plat. All utilities will be available by ...

  • 0.77 Acres

$170,000

, Garden City UT 84028


Garden City UT 84028

Make offer subject upon final plat approval with Garden City. Square footage subject to change upon recording of final plat. All utilities will be available by ...

  • 0.46 Acres

$150,000

, Garden City UT 84028


Garden City UT 84028

Make offer subject upon final plat approval with Garden City. Square footage subject to change upon recording of final plat. All utilities will be available by ...

  • 0.81 Acres

$170,000

, Garden City UT 84028


Garden City UT 84028

Make offer subject upon final plat approval with Garden City. Square footage subject to change upon recording of final plat. All utilities will be availabl...

  • 0.65 Acres

$150,000

3330 S CHUKAR DR, Garden City UT 84028

3330 S CHUKAR DR
Garden City UT 84028

Here is your opportunity! SELLER FINANCING is available. Awesome lake and mountain view lot, perfect for a walkout basement. Almost a full, slopped acre that...

  • 0.82 Acres

$115,000

325 N ELKSRIDGE RD, Garden City UT 84028

325 N ELKSRIDGE RD
Garden City UT 84028

Lake View at Bear Lake is a new fantastic subdivision in Garden City! Panoramic views of Bear Lake and surrounding mountains, easy access to ATV and hiking trai...

  • 1.02 Acres

$250,000

957 W CISCO RUN, Garden City UT 84028

957 W CISCO RUN
Garden City UT 84028

Discover the perfect canvas for your dream home or cabin retreat on this 1.29-acre lot nestled in the year round accessible Swan Creek Village. With year-round ...

  • 1.29 Acres

$119,000

1476 N TRAPPER LOOP, Garden City UT 84028

1476 N TRAPPER LOOP
Garden City UT 84028

Charming Bear Lake cabin filled with rustic accents and warm mountain character. This inviting retreat features 3 bedrooms and 2 bathrooms, along with an open k...

  • 1898 Sq Ft

  • 3

  • 2

$495,000

570 N BOURDONS RIVER ST #53, Garden City UT 84028

570 N BOURDONS RIVER ST #53
Garden City UT 84028

Under Construction- Short term rental approved townhome ready in Spring 2026! Pictures are of a finished unit and will have similar finishes. This unit includes...

  • 2457 Sq Ft

  • 3

  • 3

  • 2

$440,000

2902 S COUNTRY CLUB WAY, Garden City UT 84028

2902 S COUNTRY CLUB WAY
Garden City UT 84028

Look no further! These two adjacent building lots, sold together, are what Bear Lake dreams are made of. Featuring paved roads and just minutes from Garden City...

  • 0.56 Acres

$199,000

3492 S BLACKHAWK, Garden City UT 84028

3492 S BLACKHAWK
Garden City UT 84028

Want to own your own piece of paradise?? Great lot with Lake and mountain views. .58 acres in a quiet cul-de-sac. Propane needed for gas....

  • 0.58 Acres

$115,000

27 W 150 S, Garden City UT 84028

27 W 150 S
Garden City UT 84028

Adorable 2 bed 1.5 bath home in the heart of Garden City Utah. This could easily be converted into a 3 bedroom if desired the current space is being used as a s...

  • 1994 Sq Ft

  • 2

  • 2

$499,000

262 N LAKEVIEW TRAVERSE RD, Garden City UT 84028

262 N LAKEVIEW TRAVERSE RD
Garden City UT 84028

Welcome to the Caribbean of the Rockies! Lake view at Bear lake is a new development in Garden city sprawled out on 66 acres . Boasting panoramic views of Bea...

  • 2.50 Acres

$375,000

294 W BOGGIE CIR, Garden City UT 84028

294 W BOGGIE CIR
Garden City UT 84028

Experience this fully renovated, fully furnished cabin-ready to enjoy as your personal retreat or a profitable vacation rental. Inside, youll find a brand-new k...

  • 1200 Sq Ft

  • 3

  • 2

  • 6

$449,000

20.9k

732 S SPRUCE DR, Garden City UT 84028

732 S SPRUCE DR
Garden City UT 84028

Welcome to Bear Lake Bluffs, a cozy, lakeside retreat in Garden City. Situated atop a scenic bluff, this charming beach-themed house offers unparalleled views o...

  • 3500 Sq Ft

  • 4

  • 4

$175,000

368 W MORNING STAR CIR, Garden City UT 84028

368 W MORNING STAR CIR
Garden City UT 84028

Picturesque Bear Lake-view cul-de-sac lot, outside of an HOA! Paved access road is a year-round-maintained, peaceful cul-de-sac. Short term rental friendly! The...

  • 0.76 Acres

$189,000

3154 S GOLF COURSE DR, Garden City UT 84028

3154 S GOLF COURSE DR
Garden City UT 84028

Amazing 10.13-acre lot right in Sweetwater Golf Course subdivision ready for you to build your dream home or short-term rental property with access to Ideal Bea...

  • 10.13 Acres

$495,000

447 W SUNBURST DR, Garden City UT 84028

447 W SUNBURST DR
Garden City UT 84028

Beautiful views of the lake and the mountains. Ride your UTV, bike or snowmobile right from your door and experience all that Bear Lake offer. There is no HOA ...

  • 0.73 Acres

$199,000

265 N ELKSRIDGE RD, Garden City UT 84028

265 N ELKSRIDGE RD
Garden City UT 84028

This mountain property offers a canvas of possibilities amidst a backdrop of surrounding mountains and beautiful Bear Lake. Fantastic location with year round a...

  • 4.12 Acres

$425,000

833 S EUTAW RD #46, Garden City UT 84028

833 S EUTAW RD #46
Garden City UT 84028

Welcome to an incredible investment opportunity or the perfect spot for your dream retreat! This beautiful lot sits at the entrance of the highly sought-after S...

  • 0.86 Acres

$155,000

531 W BELLE DR, Garden City UT 84028

531 W BELLE DR
Garden City UT 84028

Premier Hillside Lot with Panoramic Bear Lake Views Build your dream home on this exceptional vacant lot located at 531 W Belle Dr. in Garden City. Perched on ...

  • 0.43 Acres

$250,000

925 N BLACKBERRY DR, Garden City UT 84028

925 N BLACKBERRY DR
Garden City UT 84028





  • 0.32 Acres

$117,000

1745 W CEDAR RIDGE DR, Garden City UT 84028

1745 W CEDAR RIDGE DR
Garden City UT 84028

Don't miss out on this 1.69 Acre lot in Bridgerland. Amazing views of Bear Lake, with a slight slope, perfect to build a cabin with a walk out basement. No ba...

  • 1.69 Acres

$149,000

360 W MASHIE CIR, Garden City UT 84028

360 W MASHIE CIR
Garden City UT 84028

Building lot in beautiful Bear Lake!! This lot has a nice gently slope with views of the Bear Lake Golf Course, lake and mountains! Short-term rentals not rest...

  • 0.28 Acres

$99,000

1263 N BROAD RD, Garden City UT 84028

1263 N BROAD RD
Garden City UT 84028

Discover the perfect canvas for your dream home with this stunning lot nestled in the charming Swan Creek Village HOA. This beautiful parcel, slightly elevated ...

  • 0.33 Acres

$89,900

2822  BUNCH GRASS DR, Garden City UT 84028

2822 BUNCH GRASS DR
Garden City UT 84028

Here is your opportunity! Amazing lot is available. Awesome lake and mountain view lot, perfect for a walkout basement. Gradual sloping lot,Short-term rentals a...

  • 0.29 Acres

$110,000

571 BLUE LAKE ST #48, Garden City UT 84028

571 BLUE LAKE ST #48
Garden City UT 84028

Brand new unit approved for short term rentals! The RETREAT floorplan. Embrace the essence of lakeside living in this brand new Bear Lake townhome. The main lev...

  • 2075 Sq Ft

  • 3

  • 3

$409,900

929 N HARBOR VILLAGE EAST DR #216B, Garden City UT 84028

929 N HARBOR VILLAGE EAST DR #216B
Garden City UT 84028

Lakeside Retreat in Harbor Village! Escape to your own slice of paradise with this charming condominium in the desirable Harbor Village at Bear Lake! Perfectly ...

  • 1220 Sq Ft

  • 2

  • 2

$365,900

10.0k

Homes Under $500K in Garden City

Looking for homes under $500k in Garden City, Utah? We currently have 188 listings matching your criteria. New properties are added daily, so check back often or create a custom search to get notified of new listings.

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