Homes Under $700K in Elgin, TX

284 active homes under $700k in Elgin, TX · The median list price in Elgin is $299,249.5.

$465,000

1047 Private Road 3022, Elgin TX 78621

MLS #239836673 · Sterling & Associates R.E. · Cecilia Whitley

3 bd·2 ba·1,318 sqft

Price Cut

$497,000

1094 Raintree LN, Elgin TX 78621

MLS #241123259 · Rainey Real Estate · Alexis Graham

4 bd·2.5 ba·2,099 sqft

$499,999

260 Dickerson LN, Elgin TX 78621

MLS #244913443 · Serhant Texas, LLC · Russ Cullum

3 bd·2 ba·1,715 sqft

$499,999

488 County Road 468, Elgin TX 78621

MLS #244735359 · All City Real Estate Ltd. Co · Lydia Sandoval villa

3 bd·2 ba·2,100 sqft

Price Cut

$505,000

1102 N Avenue F Ave, Elgin TX 78621

MLS #243057188 · Jeanette Shelby, Realtors · Kelly Koenning

3 bd·2 ba·2,656 sqft

Price Cut

$512,000

171 N Pin Oak XING, Elgin TX 78621

MLS #234799039 · The Agency Austin, LLC · Christopher Pena

4 bd·2.5 ba·2,204 sqft

Assumable Loan

$525,000

182 Elm Wood DR, Elgin TX 78621

MLS #246483839 · Brodsky Properties · June Mariani

3 bd·2 ba·2,107 sqft

$549,900

123 Zacate ST, Elgin TX 78621

MLS #246309962 · Realty Texas LLC · Amanda Hernandez

4 bd·3 ba·2,400 sqft

$565,000

768 Upper Elgin River RD, Elgin TX 78621

MLS #244939967 · All City Real Estate Ltd. Co · Lyndsay Villa

3 bd·2.5 ba·2,406 sqft

$575,000

596 Pleasant Grove LOOP, Elgin TX 78621

MLS #246591155 · Jeanette Shelby, Realtors · Jeanette Shelby

3 bd·2 ba·1,896 sqft

Price Cut

$599,000

571 Balch RD, Elgin TX 78621

MLS #241394403 · Compass RE Texas, LLC · Taylar Seay

3 bd·2.5 ba·2,120 sqft

Price Cut

$599,900

149 Spanish Oak TRL, Elgin TX 78621

MLS #241684666 · Gullwing Partners LLC · Richard Hernandez

4 bd·2.5 ba·3,191 sqft

$600,000

1035 Brandywine CT, Elgin TX 78621

MLS #233355535 · eXp Realty, LLC · Marysol Armstrong

4 bd·2.5 ba·2,446 sqft

$599,999

310 E 10th ST, Elgin TX 78621

MLS #246567495 · Newfound Real Estate · Jeff Robillard

3 bd·2.5 ba·2,660 sqft

Price Cut

$619,900

123 Meadowood DR, Elgin TX 78621

MLS #240006020 · Coldwell Banker Realty · Julissa Moreno Sandoval

3 bd·2 ba·2,340 sqft

Motivated Seller

$625,000

610 Pleasant Grove RD, Elgin TX 78621

MLS #240169332 · Beycome Brokerage Realty LLC · Steve Koleno

5 bd·3 ba·1,937 sqft

$625,000

134 Elgin Woods LN, Elgin TX 78621

MLS #245873695 · All City Real Estate Ltd. Co · JR Soler

5 bd·3 ba·3,414 sqft

$647,000

109 Elm Wood DR, Elgin TX 78621

MLS #242846683 · Keller Williams Realty · Pam Harkins

4 bd·3 ba·3,054 sqft

$659,000

437 Balch RD, Elgin TX 78621

MLS #243558381 · All City Real Estate Ltd. Co · Christain Conner

3 bd·2 ba·1,528 sqft

$695,000

153 Pleasant Grove RD, Elgin TX 78621

MLS #235206414 · eXp Realty, LLC · Jamie Church

3 bd·2.5 ba·2,592 sqft

About Homes Under $700K in Elgin, TX

Setting a price ceiling is one of the most useful ways to shop, and there are 284 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. Because HomeLocating is operated by Walter Marin, REALTOR® with Compass, 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. 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.