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 CutNew Construction

$223,999

13305 PAINTED NIGHT RD, Elgin TX 78621

MLS #246223796 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,402 sqft

Quick Move-In

$228,280

169 Cider Creek DR, Elgin TX 78621

MLS #241638003 · New Home Now · Daniel Wilson

3 bd·2 ba·1,326 sqft

Motivated Seller

$229,900

12317 Token TRL, Elgin TX 78621

MLS #244956886 · ERA Experts · Ryan Powell

3 bd·2 ba·1,299 sqft

$230,000

519 S Martin Luther King Jr BLVD, Elgin TX 78621

MLS #222986664 · Rainey Real Estate · Sheila Cates

3 bd·1 ba·864 sqft

Fixer-Upper

$232,000

14000 John Aregood PASS, Elgin TX 78621

MLS #235106014 · Dash Realty · Janin Dispo

3 bd·2 ba·1,347 sqft

Motivated SellerNew Construction

$231,999

13316 PAINTED NIGHT RD, Elgin TX 78621

MLS #245063234 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,575 sqft

Quick Move-In

Price Cut

$235,000

123 Saranac DR, Elgin TX 78621

MLS #245725184 · Jeanette Shelby, Realtors · Kelly Folse

3 bd·2 ba·1,274 sqft

Price Cut

$235,000

17912 Honey Locust LN, Elgin TX 78621

MLS #243050502 · Orchard Brokerage · Jacque Maloy

4 bd·2 ba·1,412 sqft

Price CutNew Construction

$232,999

13321 PAINTED NIGHT RD, Elgin TX 78621

MLS #246627083 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,575 sqft

Quick Move-In

Motivated SellerNew Construction

$233,999

23517 FIRELIGHT DR, Elgin TX 78621

MLS #244346616 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,575 sqft

Quick Move-In

Motivated SellerNew Construction

$233,999

13304 PAINTED NIGHT RD, Elgin TX 78621

MLS #245538143 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,575 sqft

Quick Move-In

Motivated Seller

$237,900

116 Blue Ridge TRL, Elgin TX 78621

MLS #241950167 · eXp Realty, LLC · Karen McCutcheon

3 bd·2 ba·1,296 sqft

Motivated SellerNew Construction

$234,999

13308 PAINTED NIGHT RD, Elgin TX 78621

MLS #245539176 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,600 sqft

Quick Move-In

Price CutNew Construction

$234,999

23521 FIRELIGHT DR, Elgin TX 78621

MLS #244870488 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,600 sqft

Quick Move-In

Price Cut

$238,000

17813 Honey Locust LN, Elgin TX 78621

MLS #245744211 · Jeanette Shelby, Realtors · Kelly Koenning

4 bd·2 ba·1,412 sqft

$239,937

14521 Sage Bloom LN, Elgin TX 78621

MLS #245943131 · ERA Experts · Kent Zarbock

3 bd·2.5 ba·1,826 sqft

New Construction

$240,999

23724 Glowing Embers DR, Elgin TX 78621

MLS #246008232 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,474 sqft

Quick Move-In

$243,000

804 Lavaca LOOP, Elgin TX 78621

MLS #241670635 · Texas Landera Realty LLC · Patricia Tuffentsamer

3 bd·2 ba·1,379 sqft

$245,000

709 W 11TH ST, Elgin TX 78621

MLS #238987713 · Guillory Real Estate Group · Penny Payne

3 bd·1 ba·1,400 sqft

$246,160

191 Cider Creek DR, Elgin TX 78621

MLS #244424238 · New Home Now · Daniel Wilson

3 bd·2.5 ba·1,419 sqft

New Construction

$246,999

13417 TRUMPET CREEPER DR, Elgin TX 78621

MLS #239783631 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,867 sqft

Quick Move-In

$247,270

175 Cider Creek DR, Elgin TX 78621

MLS #243010344 · New Home Now · Daniel Wilson

3 bd·2.5 ba·1,501 sqft

Price CutNew Construction

$245,999

13300 PAINTED NIGHT RD, Elgin TX 78621

MLS #245850150 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,867 sqft

Quick Move-In

Motivated Seller

$240,000

513 N Avenue F, Elgin TX 78621

MLS #243819296 · Sterling & Associates R.E. · Cecilia Whitley

2 bd·1 ba·1,294 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.