Homes Under $500K in Elgin, TX

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

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$285,990

236 Amity Bower DR, Elgin, TX 78621

MLS #247707873 · DHS Realty · Brannan Schlittler

4 bd·2.5 ba·1,832 sqft

$262,289

116 Amity Bower DR, Elgin, TX 78621

MLS #247707882 · DHS Realty · Brannan Schlittler

4 bd·2 ba·1,634 sqft

Price Cut

$270,000

145 Arosa DR, Elgin, TX 78621

MLS #247686886 · All City Real Estate Ltd. Co · Laura Oaks

4 bd·2 ba·1,064 sqft

Motivated SellerNew Construction

$321,999

24112 Stagg ST, Elgin, TX 78621

MLS #247660597 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·2,314 sqft

Quick Move-In

$214,900

113 Hays Forest CV, Elgin, TX 78621

MLS #247594421 · Entera Realty LLC · Penny Gail Watson

3 bd·2.5 ba·1,738 sqft

Price CutNew Construction

$294,905

189 Tolo DR, Elgin, TX 78621

MLS #247594422 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,587 sqft

Quick Move-In

Price CutNew Construction

$342,785

193 Tolo DR, Elgin, TX 78621

MLS #247596375 · HomesUSA.com · Ben Caballero

3 bd·3 ba·2,439 sqft

Quick Move-In

Motivated SellerNew Construction

$306,499

23720 Grackle CV, Elgin, TX 78621

MLS #247596385 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·2,288 sqft

Quick Move-In

$199,000

150 Wayside DR, Elgin, TX 78621

MLS #247597981 · Jeanette Shelby, Realtors · Kelly Koenning

4 bd·2 ba·1,344 sqft

Motivated SellerNew Construction

$283,999

23725 Misted Grass DR, Elgin, TX 78621

MLS #247564177 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·1,802 sqft

Quick Move-In

Price Cut

$273,800

18517 Spotted Eagle LN, Elgin, TX 78621

MLS #247566736 · BVP Realty · Rocio Velazquez

3 bd·2.5 ba·1,960 sqft

Motivated SellerNew Construction

$258,999

23904 Stagg ST, Elgin, TX 78621

MLS #247527322 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,891 sqft

Quick Move-In

New Construction

$347,990

25560 Farmers Crop LN, Elgin, TX 78621

MLS #247531714 · D.R. Horton, AMERICA'S Builder · Dave Clinton

4 bd·3 ba·2,257 sqft

Quick Move-In

New Construction

$305,990

25548 Farmers Crop LN, Elgin, TX 78621

MLS #247534235 · D.R. Horton, AMERICA'S Builder · Dave Clinton

4 bd·2 ba·1,680 sqft

Quick Move-In

New Construction

$312,990

25520 Timber Drop LN, Elgin, TX 78621

MLS #247534254 · D.R. Horton, AMERICA'S Builder · Dave Clinton

4 bd·2 ba·1,780 sqft

Quick Move-In

$400,000

2709 County Road 463, Elgin, TX 78621

MLS #247472546 · Coldwell Banker Realty · Melisa Longoria

5 bd·3 ba·2,041 sqft

$315,000

1206 Lake Terrace DR, Elgin, TX 78621

MLS #247477541 · Sterling & Associates R.E. · Cecilia Whitley

3 bd·2 ba·1,525 sqft

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 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

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

About Homes Under $500K in Elgin, TX

Setting a price ceiling is one of the most useful ways to shop, and there are 272 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.