Homes Under $400K in Elgin, TX

250 active homes under $400k in Elgin, TX · The median list price in Elgin is $299,249.5.

$228,280

169 Cider Creek DR, Elgin TX 78621

MLS #241638003 · New Home Now · Daniel Wilson

3 bd·2 ba·1,326 sqft

$257,000

12929 Waynespur LN, Elgin TX 78621

MLS #241114807 · La Casa Realty Group · Alma Hernandez

5 bd·2.5 ba·2,632 sqft

Motivated Seller

$245,000

12816 Wooly Bucket CV, Elgin TX 78621

MLS #244042715 · Opendoor Brokerage, LLC · Amber Broadway

3 bd·2 ba·1,704 sqft

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 CutNew Construction

$246,999

13324 PAINTED NIGHT RD, Elgin TX 78621

MLS #244870456 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,867 sqft

Quick Move-In

$325,000

305 Tolo DR, Elgin TX 78621

MLS #241212844 · Noble Smith Realty · Noble Smith

4 bd·3 ba·2,179 sqft

Motivated Seller

$369,900

118 Camino De Agua, Elgin TX 78621

MLS #244901458 · Crider Realty, LLC · Havilah Crider

3 bd·2.5 ba·1,770 sqft

$314,789

341 Sullivan WAY, Elgin TX 78621

MLS #234979649 · ERA Experts · Matt Menard

4 bd·3 ba·2,029 sqft

New Construction

$313,999

24109 Stagg ST, Elgin TX 78621

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

4 bd·3 ba·2,157 sqft

Quick Move-In

$279,965

270 Bendecido LOOP, Elgin TX 78621

MLS #230369800 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,482 sqft

About Homes Under $400K in Elgin, TX

Setting a price ceiling is one of the most useful ways to shop, and there are 250 homes for sale under $400K 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 $400K 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 $400K 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 $400K 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 $400K actually buys in Elgin today.

Buying a Home Under $400K in Elgin

Shopping with a $400K 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 $400K, 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 $400K 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 $400K 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 $400K in Elgin?

It changes as new listings come on the market and others go under contract. The homes under $400K 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 $400K in Elgin?

It depends on how $400K 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 $400K budget compare to the Elgin market?

The simplest gauge is the median list price shown above. If $400K 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 $400K.

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 $400K, so the number is based on your situation rather than a guess.

Are these listings current?

Yes — the homes under $400K 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 $400K 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.