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

$254,999

13301 PAINTED NIGHT RD, Elgin TX 78621

MLS #246627081 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,600 sqft

Quick Move-In

Price Cut

$259,000

304 S Main ST, Elgin TX 78621

MLS #236482468 · Coldwell Banker Realty · Sharon Carroll

3 bd·2 ba·1,510 sqft

$259,270

187 Cider Creek DR, Elgin TX 78621

MLS #243015408 · New Home Now · Daniel Wilson

3 bd·2.5 ba·1,501 sqft

$259,900

205 Cavalry TRL, Elgin TX 78621

MLS #241666925 · Jeanette Shelby, Realtors · Jeanette Shelby

3 bd·2 ba·1,663 sqft

Price Cut

$259,999

107 Saranac DR, Elgin TX 78621

MLS #241672004 · Keller Williams Realty · John Aitkens

3 bd·2 ba·1,539 sqft

$259,999

210 LOESCH DR, Elgin TX 78621

MLS #242223393 · Jeanette Shelby, Realtors · Kelly Koenning

3 bd·2 ba·1,625 sqft

Price Cut

$265,000

611 N Main ST, Elgin TX 78621

MLS #240981060 · Jeanette Shelby, Realtors · Jeanette Shelby

2 bd·1 ba·1,376 sqft

$265,900

14704 Wahlbergs WAY, Elgin TX 78621

MLS #245341932 · LGI Homes · Dale Hill

3 bd·2 ba·1,305 sqft

$265,990

14420 Sage Bloom LN, Elgin TX 78621

MLS #246186375 · ERA Experts · Kent Zarbock

4 bd·2.5 ba·2,121 sqft

New Construction

$265,999

23728 Glowing Embers DR, Elgin TX 78621

MLS #245851827 · Keller Williams City-View · Christopher Marti

4 bd·2.5 ba·1,891 sqft

Quick Move-In

$266,050

142 Cider Creek DR, Elgin TX 78621

MLS #244935085 · New Home Now · Daniel Wilson

3 bd·2 ba·1,533 sqft

Price CutNew Construction

$266,999

23729 Glowing Embers DR, Elgin TX 78621

MLS #243484846 · Keller Williams City-View · Christopher Marti

4 bd·2.5 ba·1,891 sqft

Quick Move-In

$266,990

222 Hornet ST, Elgin TX 78621

MLS #242596608 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,202 sqft

New Construction

$267,499

23504 Skyrocket ST, Elgin TX 78621

MLS #244464086 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,657 sqft

Quick Move-In

Price CutNew Construction

$265,999

13313 PAINTED NIGHT RD, Elgin TX 78621

MLS #246458649 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,867 sqft

Quick Move-In

New Construction

$269,190

25516 Timber Drop LN, Elgin TX 78621

MLS #245616110 · D.R. Horton, AMERICA'S Builder · Dave Clinton

3 bd·2 ba·1,595 sqft

Quick Move-In

$269,900

401 Bandara Woods BLVD, Elgin TX 78621

MLS #246599481 · Buono & Associates · James Buono

3 bd·2 ba·1,665 sqft

$269,935

444 Lucky Ave, Elgin TX 78621

MLS #237484035 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,283 sqft

Price CutNew Construction

$269,990

160 Hornet ST, Elgin TX 78621

MLS #245882839 · HomesUSA.com · Ben Caballero

4 bd·2 ba·1,587 sqft

Quick Move-In

Price CutNew Construction

$273,499

23512 Skyrocket ST, Elgin TX 78621

MLS #244710579 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·1,795 sqft

Quick Move-In

$274,990

181 Hornet ST, Elgin TX 78621

MLS #245306937 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,283 sqft

Motivated Seller

$275,000

18517 Spotted Eagle LN, Elgin TX 78621

MLS #244309192 · BVP Realty · Rocio Velazquez

3 bd·2.5 ba·1,960 sqft

Motivated SellerNew Construction

$275,000

13605 Endless Narrow LN, Elgin TX 78621

MLS #225524827 · CastleRock Realty, LLC · Ashley Yoder

3 bd·2 ba·1,604 sqft

Quick Move-In

$275,000

14408 E Gurneys Eagle DR, Elgin TX 78621

MLS #230645003 · Keller Williams Realty · Pam Harkins

4 bd·2.5 ba·2,084 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.