Homes Under $400K in Lago Vista, TX

64 active homes under $400k in Lago Vista, TX from $82,000 · The median list price in Lago Vista is $450,000.

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$175,000

3404 American DR #3111, Lago Vista, TX 78645

MLS #248865956 · eXp Realty, LLC · Joe Hawes

1 bd·1 ba·779 sqft

$389,900

21338 Mount View DR, Lago Vista, TX 78645

MLS #248840923 · The Property Center, LLC · Zackary Fox

3 bd·2.5 ba·2,264 sqft

$374,995

21607 Oregon LN, Lago Vista, TX 78645

MLS #248840922 · Sage Wilson Realty · Erik Wilson

4 bd·2 ba·1,842 sqft

$400,000

21201 Kiowa CV, Lago Vista, TX 78645

MLS #248781064 · Hart of Texas · LJ John

4 bd·2.5 ba·2,293 sqft

$339,900

20900 Little LN, Lago Vista, TX 78645

MLS #248756096 · Joseph Walter Realty, LLC · Lee McClintick

3 bd·2.5 ba·1,722 sqft

$390,000

6404 Pokealong PATH, Lago Vista, TX 78645

MLS #248696518 · Berkshire Hathaway TX Realty · Walter Reinhardt

3 bd·2 ba·1,896 sqft

Motivated Seller

$360,000

5501 Hitching Post, Lago Vista, TX 78645

MLS #247706852 · Venture Partners R.E. · Karen Eckermann

3 bd·2 ba·2,009 sqft

$235,000

13 Oaks PL, Lago Vista, TX 78645

MLS #247707811 · eXp Realty, LLC · Emily Dieckmann

2 bd·2 ba·1,290 sqft

$375,000

20602 Oak RDG, Lago Vista, TX 78645

MLS #247707557 · LPT Realty, LLC · Ira Martin

3 bd·2 ba·1,564 sqft

$319,000

3204 Mount Vernon Ave, Lago Vista, TX 78645

MLS #248095034 · eXp Realty, LLC · Joe Hawes

4 bd·2 ba·1,786 sqft

$225,000

6009 La Paloma LN, Lago Vista, TX 78645

MLS #248007642 · Keller Williams Realty C. P. · Sandy Maguire

1 bd·1 ba·460 sqft

$360,000

3209 Eisenhower Ave, Lago Vista, TX 78645

MLS #247670216 · Realty of America, LLC · Ethel Szafer

3 bd·2 ba·1,747 sqft

$235,000

20223 Travis DR #4, Lago Vista, TX 78645

MLS #247603501 · Keller Williams Realty · Dillon Meek

3 bd·1.5 ba·1,195 sqft

$360,000

3011 American DR, Lago Vista, TX 78645

MLS #247587519 · Compass RE Texas, LLC · Lindsay Neuren

3 bd·2 ba·2,038 sqft

$195,000

5802 Circulo DR #4D, Lago Vista, TX 78645

MLS #247239256 · JPAR Round Rock · Nissa Lesage

2 bd·3 ba·1,526 sqft

$309,000

21118 Highland Lake DR #2, Lago Vista, TX 78645

MLS #247265314 · eXp Realty, LLC · Emily Dieckmann

3 bd·2 ba·1,710 sqft

$315,000

3404 American DR #3308, Lago Vista, TX 78645

MLS #247030633 · Compass RE Texas, LLC · Raymond Torres

2 bd·2 ba·1,188 sqft

Price Cut

$319,000

21204 Santa Rosa Ave, Lago Vista, TX 78645

MLS #246753420 · Keller Williams - Lake Travis · Erica Cantu

3 bd·2 ba·1,554 sqft

Price Cut

$334,900

8015 Purple Aster PASS, Lago Vista, TX 78645

MLS #246735004 · JBGoodwin REALTORS NW · Vanessa Simon

4 bd·3.5 ba·2,395 sqft

Motivated Seller

$109,900

21405 Horseshoe LOOP, Lago Vista, TX 78645

MLS #246365119 · La Casa Realty Group · Jaime Elizalde

3 bd·2 ba·1,456 sqft

$389,900

3800 Annapolis CV, Lago Vista, TX 78645

MLS #246227487 · ERA Experts · Matt Menard

3 bd·2.5 ba·1,862 sqft

$265,100

3404 American DR #3322, Lago Vista, TX 78645

MLS #246141713 · Creekview Realty · John Prell

2 bd·1 ba·1,001 sqft

$209,900

20707 Greenpark DR, Lago Vista, TX 78645

MLS #246098480 · REALHome Services & Solutions · Lori Brown

3 bd·2.5 ba·1,812 sqft

Motivated Seller

$219,900

3404 American DR #3203, Lago Vista, TX 78645

MLS #245969560 · Central Metro Realty · Erica Metzger

2 bd·2 ba·1,182 sqft

About Homes Under $400K in Lago Vista, TX

Setting a price ceiling is one of the most useful ways to shop, and there are 64 homes for sale under $400K in Lago Vista 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 $400K budget goes depends on the Lago Vista 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 $400K 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 $400K in Lago Vista 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 $400K actually buys in Lago Vista today.

Buying a Home Under $400K in Lago Vista

Shopping with a $400K ceiling in Lago Vista 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 $400K, 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 $400K 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 $400K in Lago Vista 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 $400K in Lago Vista?

It changes as new listings come on the market and others go under contract. The homes under $400K shown here for Lago Vista 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 $400K in Lago Vista?

It depends on how $400K compares to the local market — the median list price for Lago Vista 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 $400K budget compare to the Lago Vista market?

The simplest gauge is the median list price shown above. If $400K is below the Lago Vista 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 $400K.

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 $400K, so the number is based on your situation rather than a guess.

Are these listings current?

Yes — the homes under $400K 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 Lago Vista market.

Can HomeLocating help me buy a home under $400K in Lago Vista?

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.