Homes Under $1M in Elgin, TX

303 active homes under $1m in Elgin, TX · The median list price in Elgin is $289,000.

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Price CutNew Construction

$299,999

23712 Grackle CV, Elgin, TX 78621

MLS #247439935 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·2,149 sqft

Quick Move-In

Motivated Seller

$525,000

202 Cedar Hills DR, Elgin, TX 78621

MLS #247370499 · Sky Realty · Malita Jones

4 bd·2.5 ba·2,296 sqft

Motivated SellerNew Construction

$285,249

24009 Stagg ST, Elgin, TX 78621

MLS #247352707 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,904 sqft

Quick Move-In

$192,960

224 Winnowing LN, Elgin, TX 78621

MLS #247341524 · New Home Now · Daniel Wilson

3 bd·2.5 ba·1,153 sqft

$574,000

5063 County Road 463, Elgin, TX 78621

MLS #247298054 · Sterling & Associates R.E. · Cecilia Whitley

5 bd·4 ba·3,277 sqft

Price Cut

$279,999

109 Zacate ST, Elgin, TX 78621

MLS #247294863 · Ideal Realty · Araseli Ugarte

3 bd·2 ba·1,560 sqft

Price Cut

$334,990

13520 Barn Chime ST, Elgin, TX 78621

MLS #247113373 · DRB Group Realty, LLC · Chaquia Thomas

3 bd·2.5 ba·2,250 sqft

$230,000

106 Camino De Agua, Elgin, TX 78621

MLS #247123205 · La Casa Realty Group · Lurdes Ibarra

3 bd·2 ba·1,152 sqft

Price Cut

$319,990

13428 Barn Chime ST, Elgin, TX 78621

MLS #247131613 · DRB Group Realty, LLC · Chaquia Thomas

4 bd·2 ba·2,160 sqft

Motivated SellerNew Construction

$222,249

23525 FIRELIGHT DR, Elgin, TX 78621

MLS #247119947 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,402 sqft

Quick Move-In

Price CutNew Construction

$309,249

13708 Michter RD, Elgin, TX 78621

MLS #247149472 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·2,210 sqft

Quick Move-In

Price CutNew Construction

$281,999

13712 Michter RD, Elgin, TX 78621

MLS #247149475 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·2,024 sqft

Quick Move-In

Motivated SellerNew Construction

$222,249

23601 Firelight DR, Elgin, TX 78621

MLS #247149657 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,411 sqft

Quick Move-In

Motivated Seller

$317,900

111 Forego DR, Elgin, TX 78621

MLS #247158748 · Herman Boswell Inc · Jeff Fischer

3 bd·2.5 ba·2,414 sqft

Motivated Seller

$195,000

610 Mogonye LN, Elgin, TX 78621

MLS #247176120 · Jeanette Shelby, Realtors · Jeanette Shelby

2 bd·1 ba·1,306 sqft

$245,000

405 Bandara Woods BLVD, Elgin, TX 78621

MLS #247194962 · Sprout Realty · Christian Blohm

3 bd·2 ba·1,673 sqft

Price Cut

$230,009

14404 Sage Bloom LN, Elgin, TX 78621

MLS #247215406 · ERA Experts · Kent Zarbock

3 bd·2 ba·1,200 sqft

Price Cut

$279,900

104 Cates CV, Elgin, TX 78621

MLS #247230960 · ERA Experts · Richard Moore

3 bd·2.5 ba·1,547 sqft

$225,000

400 Ride Out BLVD, Elgin, TX 78621

MLS #247255186 · Clay Enterprises · Charley Clay

2 bd·2 ba·1,216 sqft

$345,000

158 Buena Fortuna RD, Elgin, TX 78621

MLS #247263559 · Stanberry REALTORS · Jaziel Castro

5 bd·3 ba·1,440 sqft

Motivated SellerNew Construction

$271,499

23729 Misted Grass DR, Elgin, TX 78621

MLS #247015217 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,657 sqft

Quick Move-In

Motivated SellerNew Construction

$231,999

23900 Stagg ST, Elgin, TX 78621

MLS #247015225 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,474 sqft

Quick Move-In

$399,990

25521 Udel LN, Elgin, TX 78621

MLS #246960848 · DRB Group Realty, LLC · Chaquia Thomas

4 bd·3 ba·2,640 sqft

Motivated SellerNew Construction

$295,999

24120 Stagg ST, Elgin, TX 78621

MLS #246970302 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·2,014 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 303 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.