Homes Under $1M in Elgin, TX

297 active homes under $1m in Elgin, TX from $115,000 · The median list price in Elgin is $299,249.5.

$115,000

102 Masonic DR, Elgin TX 78621

MLS #234789505 · LoKation Real Estate, LLC · Connor James

3 bd·1 ba·792 sqft

Motivated Seller

$169,900

18736 Imperial Eagle LN, Elgin TX 78621

MLS #244001833 · Jeanette Shelby, Realtors · Jeanette Shelby

2 bd·1.5 ba·1,116 sqft

$179,990

220 Winnowing LN, Elgin TX 78621

MLS #244424344 · New Home Now · Daniel Wilson

2 bd·2.5 ba·1,072 sqft

$182,910

619 Pond View DR, Elgin TX 78621

MLS #244936597 · New Home Now · Daniel Wilson

2 bd·2.5 ba·1,072 sqft

Fixer-Upper

$185,000

18412 Willow Sage LN, Elgin TX 78621

MLS #245990195 · Farrington Realty · Trisha Winkelmann

3 bd·2 ba·1,397 sqft

$188,110

615 Pond View DR, Elgin TX 78621

MLS #244936584 · New Home Now · Daniel Wilson

2 bd·2.5 ba·1,088 sqft

New Construction

$199,990

179 Cider Creek DR, Elgin TX 78621

MLS #231411064 · New Home Now · Daniel Wilson

2 bd·2 ba·1,105 sqft

Quick Move-In

Price Cut

$210,000

305 Maple LN, Elgin TX 78621

MLS #244745881 · All City Real Estate Ltd. Co · Valerie Navejas

3 bd·2 ba·1,304 sqft

$213,500

107 W 7th ST, Elgin TX 78621

MLS #245708190 · Sterling & Associates R.E. · Cecilia Whitley

2 bd·1 ba·844 sqft

Motivated Seller

$215,000

102 Stubblefield DR, Elgin TX 78621

MLS #237910140 · Jeanette Shelby, Realtors · Jeanette Shelby

3 bd·2 ba·1,647 sqft

Fixer-Upper

$215,000

18420 Cloudmore LN, Elgin TX 78621

MLS #241463485 · Realty of America, LLC · Zhi Hu

3 bd·2 ba·1,551 sqft

$219,000

101 Brown ST, Elgin TX 78621

MLS #242255845 · Jeanette Shelby, Realtors · Jeanette Shelby

2 bd·1 ba·1,058 sqft

Price Cut

$219,900

305 China CV, Elgin TX 78621

MLS #239694082 · Jeanette Shelby, Realtors · Kelly Koenning

3 bd·2 ba·979 sqft

Motivated Seller

$215,000

303 Schuyerville DR, Elgin TX 78621

MLS #240342405 · All City Real Estate Ltd. Co · Erica Thompson

2 bd·2 ba·1,090 sqft

Motivated Seller

$214,999

108 Irene ST, Elgin TX 78621

MLS #244810652 · Dreamway Realty · Luis Grimaldo

3 bd·2 ba·1,412 sqft

$220,000

13508 Sierra Wind LN, Elgin TX 78621

MLS #245020657 · Keller Williams Realty · Clay Byrne

3 bd·2 ba·1,302 sqft

$220,000

104 Cavalry TRL, Elgin TX 78621

MLS #246490263 · JPAR Round Rock · Sarah Jacobs

3 bd·2 ba·1,425 sqft

Price Cut

$218,810

171 Cider Creek DR, Elgin TX 78621

MLS #241005887 · New Home Now · Daniel Wilson

3 bd·2 ba·1,326 sqft

$223,810

139 Summer DR, Elgin TX 78621

MLS #244424243 · New Home Now · Daniel Wilson

3 bd·2.5 ba·1,326 sqft

$223,810

139 Daylily DR, Elgin TX 78621

MLS #244700224 · New Home Now · Daniel Wilson

3 bd·2 ba·1,326 sqft

$223,810

154 Daylily DR, Elgin TX 78621

MLS #241007453 · New Home Now · Daniel Wilson

3 bd·2 ba·1,326 sqft

$224,999

504 W 2nd ST, Elgin TX 78621

MLS #226330641 · Keller Williams - Lake Travis · Carol Saxenian

2 bd·1 ba·1,054 sqft

Price Cut

$225,000

18712 Imperial Eagle LN, Elgin TX 78621

MLS #245443372 · Abrams & Associates Realty LLC · Kristina Norwine

3 bd·2.5 ba·1,540 sqft

Price CutNew Construction

$222,999

13309 PAINTED NIGHT RD, Elgin TX 78621

MLS #245728486 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,411 sqft

Quick Move-In

About Homes Under $1M in Elgin, TX

Setting a price ceiling is one of the most useful ways to shop, and there are 297 homes for sale under $1M in Elgin 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 $1M budget goes depends on the Elgin 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 $1M 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 $1M in Elgin 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 $1M actually buys in Elgin today.

Buying a Home Under $1M in Elgin

Shopping with a $1M ceiling in Elgin 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 $1M, 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 $1M 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. Because HomeLocating is operated by Walter Marin, REALTOR® with Compass, you can get help finding and buying a home under $1M in Elgin 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 $1M in Elgin?

It changes as new listings come on the market and others go under contract. The homes under $1M shown here for Elgin 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 $1M in Elgin?

It depends on how $1M compares to the local market — the median list price for Elgin 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 $1M budget compare to the Elgin market?

The simplest gauge is the median list price shown above. If $1M is below the Elgin 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 $1M.

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 $1M, so the number is based on your situation rather than a guess.

Are these listings current?

Yes — the homes under $1M 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 Elgin market.

Can HomeLocating help me buy a home under $1M in Elgin?

Yes. HomeLocating is operated by Walter Marin, REALTOR® with Compass, so 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.