Luxury Homes in Elgin, TX

16 active luxury homes in Elgin, TX from $840,000 · The median list price in Elgin is $294,900.

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Live data — luxury listings verified active on October 3, 2026.

Elgin Luxury Real Estate

16 luxury homes for sale in Elgin, TX, priced from $800,000. This page shows the $800,000-and-up tier — including million dollar homes ($1,000,000+) — from live MLS data.

$1,699,000

1854 County Road 464 (47+AC), Elgin TX 78621

MLS #247522984 · Real Broker, LLC · Heather Witte

6 bd·4.5 ba·3,855 sqft

$975,000

1701 County Road 466, Elgin TX 78621

MLS #246837745 · LPT Realty, LLC · Stephen Scott

4 bd·2.5 ba·2,200 sqft

$845,000

3060 Fm 1704, Elgin TX 78621

MLS #246588305 · Realty One Group Prosper · Crystal Taylor

4 bd·3 ba·2,908 sqft

$1,700,000

2936 FM 1704, Elgin TX 78621

MLS #246421123 · Compass RE Texas, LLC · Karen Frakes

4 bd·4.5 ba·3,622 sqft

Motivated Seller

$1,225,000

1010 County Road 490, Elgin TX 78621

MLS #245450705 · Smart Source Realty · Guy Lanford

3 bd·2 ba·1,216 sqft

Motivated Seller

$905,000

197 Elm Wood DR, Elgin TX 78621

MLS #245137764 · Twelve Rivers Realty · Edward Flores

4 bd·4 ba·4,036 sqft

$3,900,000

175 Wilson RD, Elgin TX 78621

MLS #245086622 · Keller Williams Realty · Kevin White

3 bd·3 ba·3,400 sqft

Motivated Seller

$1,180,000

18197 Fm 619, Elgin TX 78621

MLS #240104981 · Spyglass Realty · Jeremy Mchaney

3 bd·2.5 ba·2,238 sqft

Price Cut

$1,275,000

948 Upper Elgin River RD, Elgin TX 78621

MLS #244230530 · Watters International Realty · Chris Watters

4 bd·4 ba·3,825 sqft

Motivated Seller

$840,000

1843 Fm 969, Elgin TX 78621

MLS #238000132 · Keller Williams Realty · Victor Torres

3 bd·2 ba·1,951 sqft

Motivated Seller

$850,000

1601 CR 463 (and CR 465), Elgin TX 78621

MLS #240844838 · Compass RE Texas, LLC · Megan Behrens

4 bd·2 ba·2,349 sqft

Price Cut

$1,500,000

1389 Highway 290 E, Elgin TX 78621

MLS #244466572 · Sterling & Associates R.E. · Cecilia Whitley

4 bd·2 ba·2,703 sqft

Motivated Seller

$865,000

1854 County Road 464, Elgin TX 78621

MLS #241545068 · Real Broker, LLC · Heather Witte

3 bd·2.5 ba·2,213 sqft

Motivated Seller

$1,350,000

4140 County Road 467, Elgin TX 78621

MLS #244540637 · Compass RE Texas, LLC · Alexa Messer

3 bd·3.5 ba·2,986 sqft

$1,300,000

1092 FM 3000, Elgin TX 78621

MLS #244724446 · EXP REALTY · Evan Downey

5 bd·5.5 ba·5,816 sqft

Motivated Seller

$999,500

1610 County Road 463, Elgin TX 78621

MLS #242269889 · Keller Williams Realty · Mary Merrell

3 bd·2.5 ba·2,799 sqft

About Luxury Real Estate in Elgin

This page lists luxury homes for sale in Elgin — every active listing priced at $800,000 or more, drawn from live MLS data and updated daily. "Luxury" here is a plain price tier, applied the same way in every city, so you can compare like with like. It covers luxury real estate of every kind: single-family homes, estates on larger lots, custom and new-construction homes, and condos and townhomes at the same price level. Listings at $1,000,000 and up — often searched as million dollar homes — are included, and you can narrow any of them by price, beds, baths, and home type with the filters above.

Buying a Luxury Home in Elgin

Buying at this price level follows the same steps as any purchase, with a few details that matter more. Financing above the conforming loan limit is usually a jumbo loan, so it helps to talk with a licensed lender early about documentation and down payment. With fewer comparable sales, a careful comparative market analysis and an independent appraisal carry more weight, and a thorough inspection — including systems, roof, foundation, and any pool, well, or septic — is worth the time. Property taxes, insurance, and any HOA or special-district fees also scale with price, so look at the full monthly cost rather than the list price alone. A licensed REALTOR® can walk through recent sales in Elgin, and you can save a search here to be alerted when a new listing at $800,000 or more comes on the market.

Frequently Asked Questions

What counts as a luxury home on HomeLocating?

On HomeLocating a luxury home is any active for-sale listing priced at $800,000 or more. It is a simple, objective price tier — the same threshold for every city — not a judgment about a home or a neighborhood.

What are million dollar homes?

Million dollar homes are listings priced at $1,000,000 or more. They are a subset of the $800,000-and-up luxury tier shown on this page, so every million dollar home for sale appears here.

Does luxury real estate require a jumbo loan?

Often, but not always. A loan larger than the conforming loan limit is called a jumbo loan and typically has its own underwriting and down-payment requirements. Whether a specific purchase needs one depends on the price and the amount financed, so confirm the details with a licensed lender.

How are luxury homes priced?

Like any home, a luxury listing is priced from comparable sales, size, lot, condition, and features. At higher prices there are fewer comparable sales, so an appraisal and a comparative market analysis from a licensed agent matter more.

How often is this list updated?

The list is drawn from live MLS data and updated daily. A home appears while it is active and priced at $800,000 or more, and leaves when it goes under contract, sells, or is repriced below the threshold.