Homes Under $400K in Cottonwood Shores, TX

7 active homes under $400k in Cottonwood Shores, TX from $230,000 · The median list price in Cottonwood Shores is $299,000.

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$230,000

655 Oak LN, Cottonwood Shores, TX 78657

MLS #247268725 · TruStar Real Estate · Ron Lilley

3 bd·2 ba·1,298 sqft

$299,000

654 Maple LN, Cottonwood Shores, TX 78657

MLS #245261520 · Keller Williams Realty · Jarrod Covey

3 bd·2 ba·1,630 sqft

Motivated Seller

$285,000

4307 Cottonwood DR, Cottonwood Shores, TX 78657

MLS #234278429 · Our House Real Estate, LLC · Larry Hartwell

3 bd·2 ba·1,440 sqft

Motivated Seller

$400,000

855 Aspen LN, Cottonwood Shores, TX 78657

MLS #241880678 · Realty of America, LLC · Gwena Parker

4 bd·3 ba·2,270 sqft

Motivated Seller

$249,900

728 Driftwood LN, Cottonwood Shores, TX 78657

MLS #239320471 · Zina & Co. Real Estate · Berenice Covarrubias

3 bd·2 ba·1,404 sqft

Motivated Seller

$350,000

874 Pine LN, Cottonwood Shores, TX 78657

MLS #241478866 · My Texas Home Broker · Kristen Ribera

3 bd·2 ba·1,656 sqft

Price Cut

$349,990

808 Pecan LN, Cottonwood Shores, TX 78657

MLS #244736707 · Horseshoe Bay ONE Realty · Brigitte Nolen

3 bd·2 ba·1,368 sqft

About Homes Under $400K in Cottonwood Shores, TX

Setting a price ceiling is one of the most useful ways to shop, and there are 7 homes for sale under $400K in Cottonwood Shores on the market right now, drawn from live MLS data — so you're seeing what's actually available in your range, not a stale list. How far a $400K budget goes depends on the Cottonwood Shores market, and the quickest gauge is the median list price shown above: when your ceiling is below the local median you're shopping the lower-priced end of the local market, and when it's near or above the median you're looking at a large share of what's available. Within a $400K budget you'll typically find a mix of property types — houses, condos, and townhomes, and in some areas newer construction — across different sizes, ages, and neighborhoods, so the trade-offs between them are where the real choice lives. You can filter the homes and houses for sale under $400K in Cottonwood Shores by beds, baths, and features to narrow the list, and open any listing for its full details and price history. Because HomeLocating is an independent home-search platform — not a national portal — you get a neutral, MLS-sourced view of what $400K actually buys in Cottonwood Shores today.

Buying a Home Under $400K in Cottonwood Shores

Shopping with a $400K ceiling in Cottonwood Shores works best when the number is real, so a few things are worth doing before you tour. Start with a lender: getting pre-approved tells you what you can actually borrow and what your monthly payment looks like at $400K, which is often different from a round budget in your head. Remember that the list price isn't the whole cost — property taxes, any HOA or MUD dues, and insurance all factor into what a home under $400K really costs each month, so it's worth looking at the full number. Within a fixed budget, the choice usually comes down to trade-offs: size, location and commute, the age and condition of the home, and new construction versus resale — deciding which of those matter most to you makes comparing homes far easier. And well-priced homes in a given range can move quickly, so knowing your criteria in advance helps you act when the right one appears. None of this is financial advice, and HomeLocating is not a lender — but it's what keeps a budget from being a guess. Through HomeLocating, you can get help finding and buying a home under $400K in Cottonwood Shores directly through the site. When you're ready, browse the listings above and reach out about any that interest you.

Frequently Asked Questions

How many homes are for sale under $400K in Cottonwood Shores?

It changes as new listings come on the market and others go under contract. The homes under $400K shown here for Cottonwood Shores are drawn from live MLS data, so the count reflects what's actually available right now — the current total is shown with the results above.

What kind of homes can I get under $400K in Cottonwood Shores?

It depends on how $400K compares to the local market — the median list price for Cottonwood Shores is shown above. Within that budget you'll generally find a mix of houses, condos, and townhomes, and in some areas newer construction, across a range of sizes, ages, and neighborhoods. Filtering by property type and features narrows it to what fits.

How does a $400K budget compare to the Cottonwood Shores market?

The simplest gauge is the median list price shown above. If $400K is below the Cottonwood Shores median, you're shopping the lower-priced end of the market; if it's near or above the median, your budget covers a large share of what's listed. The live count shows how many homes currently fall under $400K.

How do I know what I can actually afford?

List price is only part of it — your real budget depends on your financing plus property taxes, insurance, and any HOA or MUD dues. Getting pre-approved with a lender tells you what you can borrow and what the monthly payment would be at $400K, so the number is based on your situation rather than a guess.

Are these listings current?

Yes — the homes under $400K shown here are drawn from live MLS data, so you're seeing current listings rather than a stale or padded list. As an independent platform, the goal is an accurate, neutral view of the Cottonwood Shores market.

Can HomeLocating help me buy a home under $400K in Cottonwood Shores?

Yes. Through HomeLocating, you can get help comparing homes in your budget, understanding the full monthly cost, and handling the offer directly through the site — reach out about any of the listings above.