Homes Under $1M in Elgin, TX

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

Price Cut

$750,000

763 Upper Elgin River RD, Elgin TX 78621

MLS #240780964 · Land Unlimited · Kaylee Sutton

4 bd·2 ba·1,640 sqft

$795,000

681 County Road 474, Elgin TX 78621

MLS #231559379 · LPT Realty LLC - Ascend Group · Gabriel Bramlette

3 bd·2 ba·1,681 sqft

$840,000

1843 Fm 969, Elgin TX 78621

MLS #238000132 · Keller Williams Realty · Victor Torres

3 bd·2 ba·1,951 sqft

$845,000

3060 Fm 1704, Elgin TX 78621

MLS #246588305 · Realty One Group Prosper · Crystal Taylor

4 bd·3 ba·2,908 sqft

$850,000

1601 CR 463 (and CR 465), Elgin TX 78621

MLS #240844838 · All City Real Estate Ltd. Co · Megan Behrens

4 bd·2 ba·2,349 sqft

$865,000

1854 County Road 464, Elgin TX 78621

MLS #241545068 · Real Broker, LLC · Heather Witte

3 bd·2.5 ba·2,213 sqft

$900,000

18007 FM 1100, Elgin TX 78621

MLS #245095429 · Alan Loudermilk, Broker · AJ Loudermilk

3 bd·3 ba

Price Cut

$925,000

197 Elm Wood DR, Elgin TX 78621

MLS #245137764 · Twelve Rivers Realty · Edward Flores

4 bd·4 ba·4,036 sqft

$999,500

1610 County Road 463, Elgin TX 78621

MLS #242269889 · Keller Williams Realty · Mary Merrell

3 bd·2.5 ba·2,799 sqft

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.