Homes Under $700K in Elgin, TX

286 active homes under $700k in Elgin, TX · The median list price in Elgin is $289,450.

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Price CutNew Construction

$276,900

14521 Wahlbergs WAY, Elgin, TX 78621

MLS #244712478 · LGI Homes · Dale Hill

3 bd·2 ba·1,305 sqft

Quick Move-In

Motivated SellerNew Construction

$246,260

165 Daylily DR, Elgin, TX 78621

MLS #235726067 · New Home Now · Daniel Wilson

3 bd·2.5 ba·1,501 sqft

Quick Move-In

Motivated Seller

$269,000

605 W 11th ST, Elgin, TX 78621

MLS #240689324 · Heart of the Pines Real Estate · Laura Munos

4 bd·2 ba·2,100 sqft

Motivated Seller

$225,000

17912 Honey Locust LN, Elgin, TX 78621

MLS #243050502 · Orchard Brokerage · Jacque Maloy

4 bd·2 ba·1,412 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

Motivated Seller

$259,999

107 Saranac DR, Elgin, TX 78621

MLS #241672004 · Keller Williams Realty · John Aitkens

3 bd·2 ba·1,539 sqft

Motivated Seller

$199,000

305 Maple LN, Elgin, TX 78621

MLS #244745881 · All City Real Estate Ltd. Co · Valerie Navejas

3 bd·2 ba·1,304 sqft

$285,000

11820 Rush LN, Elgin, TX 78621

MLS #244747208 · Pure Realty · Orlando Solis

3 bd·2 ba·1,296 sqft

Motivated Seller

$259,999

210 LOESCH DR, Elgin, TX 78621

MLS #242223393 · Jeanette Shelby, Realtors · Kelly Koenning

3 bd·2 ba·1,625 sqft

Motivated SellerNew Construction

$279,900

13805 Ryan Range LN, Elgin, TX 78621

MLS #244770024 · New Home Now · Daniel Wilson

4 bd·2 ba·1,694 sqft

Quick Move-In

Motivated SellerNew Construction

$289,900

13809 Ryan Range LN, Elgin, TX 78621

MLS #244771600 · New Home Now · Daniel Wilson

3 bd·2.5 ba·1,899 sqft

Quick Move-In

Motivated SellerNew Construction

$291,990

153 Hornet ST, Elgin, TX 78621

MLS #244775974 · HomesUSA.com · Ben Caballero

4 bd·2 ba·1,587 sqft

Quick Move-In

Motivated SellerNew Construction

$249,900

13717 Ryan Range LN, Elgin, TX 78621

MLS #238198730 · New Home Now · Daniel Wilson

3 bd·2 ba·1,372 sqft

Quick Move-In

Motivated SellerNew Construction

$274,900

25536 Flora Bella LN, Elgin, TX 78621

MLS #238399931 · New Home Now · Daniel Wilson

3 bd·2 ba·1,582 sqft

Quick Move-In

Motivated SellerNew Construction

$299,900

13801 Ryan Range LN, Elgin, TX 78621

MLS #238400833 · New Home Now · Daniel Wilson

4 bd·3.5 ba·2,223 sqft

Quick Move-In

New Construction

$249,990

13808 Ryan Range LN, Elgin, TX 78621

MLS #244806167 · Chesmar Homes · Katie Craig

3 bd·2 ba·1,344 sqft

Quick Move-In

Price Cut

$425,000

537 Lower Elgin RD, Elgin, TX 78621

MLS #244688052 · eXp Realty, LLC · Tammy Harmon

3 bd·2 ba·1,600 sqft

$325,000

305 Tolo DR, Elgin, TX 78621

MLS #241212844 · Coldwell Banker Realty · Noble Smith

4 bd·3 ba·2,179 sqft

Motivated Seller

$349,900

118 Camino De Agua, Elgin, TX 78621

MLS #244901458 · Crider Realty, LLC · Havilah Crider

3 bd·2.5 ba·1,770 sqft

Motivated SellerNew Construction

$296,999

24109 Stagg ST, Elgin, TX 78621

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

4 bd·3 ba·2,157 sqft

Quick Move-In

Motivated SellerNew Construction

$262,965

270 Bendecido LOOP, Elgin, TX 78621

MLS #230369800 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,482 sqft

Quick Move-In

$499,999

260 Dickerson LN, Elgin, TX 78621

MLS #244913443 · Serhant Texas, LLC · Russ Cullum

3 bd·2 ba·1,715 sqft

About Homes Under $700K in Elgin, TX

Setting a price ceiling is one of the most useful ways to shop, and there are 286 homes for sale under $700K 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 $700K 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 $700K 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 $700K 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 $700K actually buys in Elgin today.

Buying a Home Under $700K in Elgin

Shopping with a $700K 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 $700K, 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 $700K 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 $700K 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 $700K in Elgin?

It changes as new listings come on the market and others go under contract. The homes under $700K 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 $700K in Elgin?

It depends on how $700K 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 $700K budget compare to the Elgin market?

The simplest gauge is the median list price shown above. If $700K 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 $700K.

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 $700K, so the number is based on your situation rather than a guess.

Are these listings current?

Yes — the homes under $700K 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 $700K 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.