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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$999,000

1610 County Road 463, Elgin, TX 78621

MLS #242269889 · Keller Williams Realty · Mary Merrell

3 bd·2.5 ba·2,799 sqft

Motivated SellerNew Construction

$249,900

13717 Ryan Range LN, Elgin, TX 78621

MLS #238198730 · New Home Now · Daniel Wilson

3 bd·2 ba·1,372 sqft

Quick Move-In

Motivated SellerNew Construction

$274,900

25536 Flora Bella LN, Elgin, TX 78621

MLS #238399931 · New Home Now · Daniel Wilson

3 bd·2 ba·1,582 sqft

Quick Move-In

Motivated SellerNew Construction

$299,900

13801 Ryan Range LN, Elgin, TX 78621

MLS #238400833 · New Home Now · Daniel Wilson

4 bd·3.5 ba·2,223 sqft

Quick Move-In

New Construction

$249,990

13808 Ryan Range LN, Elgin, TX 78621

MLS #244806167 · Chesmar Homes · Katie Craig

3 bd·2 ba·1,344 sqft

Quick Move-In

Price Cut

$425,000

537 Lower Elgin RD, Elgin, TX 78621

MLS #244688052 · eXp Realty, LLC · Tammy Harmon

3 bd·2 ba·1,600 sqft

Price Cut

$712,250

928 Upper Elgin River RD, Elgin, TX 78621

MLS #244886119 · Sterling & Associates R.E. · Cecilia Whitley

3 bd·2.5 ba·2,228 sqft

$325,000

305 Tolo DR, Elgin, TX 78621

MLS #241212844 · Coldwell Banker Realty · Noble Smith

4 bd·3 ba·2,179 sqft

Motivated Seller

$349,900

118 Camino De Agua, Elgin, TX 78621

MLS #244901458 · Crider Realty, LLC · Havilah Crider

3 bd·2.5 ba·1,770 sqft

Motivated SellerNew Construction

$296,999

24109 Stagg ST, Elgin, TX 78621

MLS #244918256 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·2,157 sqft

Quick Move-In

Motivated SellerNew Construction

$262,965

270 Bendecido LOOP, Elgin, TX 78621

MLS #230369800 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,482 sqft

Quick Move-In

$499,999

260 Dickerson LN, Elgin, TX 78621

MLS #244913443 · Serhant Texas, LLC · Russ Cullum

3 bd·2 ba·1,715 sqft

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.