Homes Under $700K in Elgin, TX

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

Price CutNew Construction

$254,999

13301 PAINTED NIGHT RD, Elgin TX 78621

MLS #246627081 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,600 sqft

Quick Move-In

Price Cut

$259,000

304 S Main ST, Elgin TX 78621

MLS #236482468 · Coldwell Banker Realty · Sharon Carroll

3 bd·2 ba·1,510 sqft

$259,270

187 Cider Creek DR, Elgin TX 78621

MLS #243015408 · New Home Now · Daniel Wilson

3 bd·2.5 ba·1,501 sqft

$259,900

205 Cavalry TRL, Elgin TX 78621

MLS #241666925 · Jeanette Shelby, Realtors · Jeanette Shelby

3 bd·2 ba·1,663 sqft

Price Cut

$259,999

107 Saranac DR, Elgin TX 78621

MLS #241672004 · Keller Williams Realty · John Aitkens

3 bd·2 ba·1,539 sqft

$259,999

210 LOESCH DR, Elgin TX 78621

MLS #242223393 · Jeanette Shelby, Realtors · Kelly Koenning

3 bd·2 ba·1,625 sqft

Price Cut

$265,000

611 N Main ST, Elgin TX 78621

MLS #240981060 · Jeanette Shelby, Realtors · Jeanette Shelby

2 bd·1 ba·1,376 sqft

$265,900

14704 Wahlbergs WAY, Elgin TX 78621

MLS #245341932 · LGI Homes · Dale Hill

3 bd·2 ba·1,305 sqft

$265,990

14420 Sage Bloom LN, Elgin TX 78621

MLS #246186375 · ERA Experts · Kent Zarbock

4 bd·2.5 ba·2,121 sqft

New Construction

$265,999

23728 Glowing Embers DR, Elgin TX 78621

MLS #245851827 · Keller Williams City-View · Christopher Marti

4 bd·2.5 ba·1,891 sqft

Quick Move-In

$266,050

142 Cider Creek DR, Elgin TX 78621

MLS #244935085 · New Home Now · Daniel Wilson

3 bd·2 ba·1,533 sqft

Price CutNew Construction

$266,999

23729 Glowing Embers DR, Elgin TX 78621

MLS #243484846 · Keller Williams City-View · Christopher Marti

4 bd·2.5 ba·1,891 sqft

Quick Move-In

$266,990

222 Hornet ST, Elgin TX 78621

MLS #242596608 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,202 sqft

New Construction

$267,499

23504 Skyrocket ST, Elgin TX 78621

MLS #244464086 · Keller Williams City-View · Christopher Marti

3 bd·2 ba·1,657 sqft

Quick Move-In

Price CutNew Construction

$265,999

13313 PAINTED NIGHT RD, Elgin TX 78621

MLS #246458649 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,867 sqft

Quick Move-In

New Construction

$269,190

25516 Timber Drop LN, Elgin TX 78621

MLS #245616110 · D.R. Horton, AMERICA'S Builder · Dave Clinton

3 bd·2 ba·1,595 sqft

Quick Move-In

$269,900

401 Bandara Woods BLVD, Elgin TX 78621

MLS #246599481 · Buono & Associates · James Buono

3 bd·2 ba·1,665 sqft

$269,935

444 Lucky Ave, Elgin TX 78621

MLS #237484035 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,283 sqft

Price CutNew Construction

$269,990

160 Hornet ST, Elgin TX 78621

MLS #245882839 · HomesUSA.com · Ben Caballero

4 bd·2 ba·1,587 sqft

Quick Move-In

Price CutNew Construction

$273,499

23512 Skyrocket ST, Elgin TX 78621

MLS #244710579 · Keller Williams City-View · Christopher Marti

4 bd·3 ba·1,795 sqft

Quick Move-In

$274,990

181 Hornet ST, Elgin TX 78621

MLS #245306937 · HomesUSA.com · Ben Caballero

3 bd·2 ba·1,283 sqft

Motivated Seller

$275,000

18517 Spotted Eagle LN, Elgin TX 78621

MLS #244309192 · BVP Realty · Rocio Velazquez

3 bd·2.5 ba·1,960 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

$275,000

14408 E Gurneys Eagle DR, Elgin TX 78621

MLS #230645003 · Keller Williams Realty · Pam Harkins

4 bd·2.5 ba·2,084 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.