Homes Under $500K in Elgin, TX

275 active homes under $500k in Elgin, TX from $149,000 · The median list price in Elgin is $289,000.

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$280,000

19108 Bear Grass DR, Elgin, TX 78621

MLS #248931547 · Tatom Ford Real Estate Company · Justin Ford

3 bd·2 ba·1,527 sqft

$292,000

12800 Starbrimson TRL, Elgin, TX 78621

MLS #248927709 · All City Real Estate Ltd. Co · Thomas Horne

3 bd·2 ba·1,799 sqft

$415,000

123 Los Robles RD, Elgin, TX 78621

MLS #248922991 · Olvera Bolton Properties · Ricky Lopez

3 bd·2 ba·2,200 sqft

$415,000

113 Los Robles RD, Elgin, TX 78621

MLS #248925897 · Olvera Bolton Properties · Ricky Lopez

3 bd·2 ba·2,200 sqft

Fixer-Upper

$204,900

207 Wilderness TRL, Elgin, TX 78621

MLS #248905069 · RealAgent · Yazmin Perez

3 bd·2 ba·1,445 sqft

$399,000

800 Savannah CV, Elgin, TX 78621

MLS #248889896 · Realty Texas LLC · Janette Ybarra

4 bd·2.5 ba·2,201 sqft

New Construction

$231,249

23713 GRACKLE CV, Elgin, TX 78621

MLS #248860050 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,575 sqft

Quick Move-In

$319,990

13445 Barn Chime ST, Elgin, TX 78621

MLS #248855282 · DRB Group Realty, LLC · Chaquia Thomas

4 bd·2 ba·1,842 sqft

New Construction

$305,749

24001 Stagg ST, Elgin, TX 78621

MLS #248821793 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·2,210 sqft

Quick Move-In

$229,995

18005 Prairie Verbena LN, Elgin, TX 78621

MLS #248830600 · eXp Realty, LLC · Pamela Pfeil

3 bd·2 ba·1,442 sqft

$275,000

148 Gullivers DR, Elgin, TX 78621

MLS #240135258 · CB&A, Realtors · Christopher Perkins

3 bd·2 ba·1,567 sqft

Motivated Seller

$240,000

110 Huckleberry LN, Elgin, TX 78621

MLS #248761492 · All City Real Estate Ltd. Co · Debra Cole

2 bd·2 ba·1,133 sqft

$264,000

124 Tillage RD, Elgin, TX 78621

MLS #248728420 · Loredo Realty · Michael Loredo

3 bd·2 ba·1,425 sqft

Price CutNew Construction

$241,249

23705 GRACKLE CV, Elgin, TX 78621

MLS #248701721 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,867 sqft

Quick Move-In

Price CutNew Construction

$232,249

23709 GRACKLE CV, Elgin, TX 78621

MLS #248701727 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,600 sqft

Quick Move-In

$269,990

13513 Muny PKWY, Elgin, TX 78621

MLS #248689734 · DRB Group Realty, LLC · Chaquia Thomas

3 bd·2 ba·1,440 sqft

$275,000

14521 Gurneys Eagle DR, Elgin, TX 78621

MLS #248689729 · Buono & Associates · James Buono

4 bd·2 ba·1,878 sqft

Motivated SellerNew Construction

$234,499

23912 Stagg ST, Elgin, TX 78621

MLS #248566243 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,474 sqft

Quick Move-In

Price CutNew Construction

$298,499

24108 Stagg ST, Elgin, TX 78621

MLS #248566244 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·2,014 sqft

Quick Move-In

New Construction

$343,990

216 Hornet ST, Elgin, TX 78621

MLS #242254059 · HomesUSA.com · Ben Caballero

7 bd·3.5 ba·2,470 sqft

Quick Move-In

New Construction

$286,499

23620 Skyrocket ST, Elgin, TX 78621

MLS #248390579 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·2,149 sqft

Quick Move-In

Price CutNew Construction

$343,249

24005 Stagg ST, Elgin, TX 78621

MLS #248325601 · Keller Williams City-View · Christopher Marti

5 bd·3 ba·2,809 sqft

Quick Move-In

Motivated SellerNew Construction

$320,499

23808 Grackle CV, Elgin, TX 78621

MLS #248164277 · Keller Williams City-View · Christopher Marti

5 bd·3 ba·2,516 sqft

Quick Move-In

$299,900

18312 Stellers Sea ST, Elgin, TX 78621

MLS #248177700 · LGI Homes · Dale Hill

4 bd·2.5 ba·1,924 sqft

About Homes Under $500K in Elgin, TX

Setting a price ceiling is one of the most useful ways to shop, and there are 275 homes for sale under $500K 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 $500K 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 $500K 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 $500K 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 $500K actually buys in Elgin today.

Buying a Home Under $500K in Elgin

Shopping with a $500K 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 $500K, 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 $500K 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 $500K 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 $500K in Elgin?

It changes as new listings come on the market and others go under contract. The homes under $500K 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 $500K in Elgin?

It depends on how $500K 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 $500K budget compare to the Elgin market?

The simplest gauge is the median list price shown above. If $500K 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 $500K.

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 $500K, so the number is based on your situation rather than a guess.

Are these listings current?

Yes — the homes under $500K 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 $500K 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.