Homes Under $1M in Elgin, TX

300 active homes under $1m in Elgin, TX · The median list price in Elgin is $289,450.

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Motivated SellerNew Construction

$321,990

210 Hornet ST, Elgin, TX 78621

MLS #242254066 · HomesUSA.com · Ben Caballero

4 bd·2.5 ba·2,299 sqft

Quick Move-In

Motivated SellerNew Construction

$337,990

143 Hornet ST, Elgin, TX 78621

MLS #243475146 · HomesUSA.com · Ben Caballero

5 bd·2.5 ba·2,512 sqft

Quick Move-In

$479,900

202 Lazy River LN, Elgin, TX 78621

MLS #227107901 · Lapis Real Estate & Design · Hillery Stephens

4 bd·2 ba·2,232 sqft

Motivated SellerNew Construction

$262,935

444 Lucky Ave, Elgin, TX 78621

MLS #237484035 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,283 sqft

Quick Move-In

Motivated Seller

$245,000

709 W 11TH ST, Elgin, TX 78621

MLS #238987713 · Guillory Real Estate Group · Penny Payne

3 bd·1 ba·1,400 sqft

Motivated Seller

$740,000

763 Upper Elgin River RD, Elgin, TX 78621

MLS #240780964 · Land Unlimited · Kaylee Sutton

4 bd·2 ba·1,640 sqft

Motivated SellerNew Construction

$298,450

138 Hornet ST, Elgin, TX 78621

MLS #243755697 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,698 sqft

Quick Move-In

Motivated SellerNew Construction

$322,990

149 Hornet ST, Elgin, TX 78621

MLS #243759074 · HomesUSA.com · Ben Caballero

4 bd·2.5 ba·2,262 sqft

Quick Move-In

Motivated SellerNew Construction

$297,450

103 Two Bits, Elgin, TX 78621

MLS #243762652 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,698 sqft

Quick Move-In

Motivated Seller

$725,000

700 County Road 466, Elgin, TX 78621

MLS #240860562 · eXp Realty, LLC · Jill Leberknight

1 bd·1 ba·1,050 sqft

Motivated SellerNew Construction

$259,990

222 Hornet ST, Elgin, TX 78621

MLS #242596608 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,202 sqft

Quick Move-In

Motivated Seller

$384,990

25617 Flora Bella LN, Elgin, TX 78621

MLS #242007146 · DRB Group Realty, LLC · Chaquia Thomas

4 bd·3.5 ba·2,533 sqft

$333,110

128 Honeybee LN, Elgin, TX 78621

MLS #243908293 · New Home Now · Daniel Wilson

4 bd·2.5 ba·2,259 sqft

Motivated Seller

$252,000

205 Cavalry TRL, Elgin, TX 78621

MLS #241666925 · Jeanette Shelby, Realtors · Jeanette Shelby

3 bd·2 ba·1,663 sqft

Motivated Seller

$448,000

900 County Road 474, Elgin, TX 78621

MLS #243992329 · Texas Premier Realty · Nicole Schneider

3 bd·2 ba·2,100 sqft

Motivated Seller

$164,900

18736 Imperial Eagle LN, Elgin, TX 78621

MLS #244001833 · Jeanette Shelby, Realtors · Jeanette Shelby

2 bd·1.5 ba·1,116 sqft

Price Cut

$599,900

149 Spanish Oak TRL, Elgin, TX 78621

MLS #241684666 · Gullwing Partners LLC · Richard Hernandez

4 bd·2.5 ba·3,191 sqft

Motivated Seller

$299,900

107 Jim Dandy DR, Elgin, TX 78621

MLS #244124492 · Lori Haring Realty · Detra Klaus

3 bd·2 ba·1,476 sqft

Motivated Seller

$349,000

205 N Avenue E, Elgin, TX 78621

MLS #244182035 · Jeanette Shelby, Realtors · Kelly Koenning

3 bd·2 ba·2,287 sqft

Motivated Seller

$235,000

116 Blue Ridge TRL, Elgin, TX 78621

MLS #241950167 · eXp Realty, LLC · Karen McCutcheon

3 bd·2 ba·1,296 sqft

Motivated Seller

$280,000

1114 W 2nd ST, Elgin, TX 78621

MLS #244230527 · All City Real Estate Ltd. Co · Bryan Lawhorn

3 bd·2 ba·1,824 sqft

Motivated Seller

$354,900

17821 Floribundas, Elgin, TX 78621

MLS #244287900 · Rainey Real Estate · Alexis Graham

6 bd·3.5 ba·4,122 sqft

$310,250

126 Cider Creek DR, Elgin, TX 78621

MLS #244291673 · New Home Now · Daniel Wilson

4 bd·2.5 ba·2,107 sqft

Motivated SellerNew Construction

$299,990

169 Tolo DR, Elgin, TX 78621

MLS #239686597 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,698 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 300 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. Through HomeLocating, 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. 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.