Homes Under $400K in Lago Vista, TX

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

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$299,900

21711 Crystal WAY, Lago Vista, TX 78645

MLS #245925613 · eXp Realty, LLC · Emily Dieckmann

3 bd·2 ba·1,554 sqft

$189,000

21302 Choctaw CV, Lago Vista, TX 78645

MLS #245627957 · Watters International Realty · Chris Watters

3 bd·2 ba·1,152 sqft

$395,000

2807 American DR, Lago Vista, TX 78645

MLS #245602511 · ZestNest Investments, LLC · Melissa Fanning

3 bd·2 ba·1,550 sqft

Price Cut

$195,000

304 Southwind RD, Lago Vista, TX 78645

MLS #245608187 · Keller Williams Realty Lone St · Danielle Babin

2 bd·1 ba·1,250 sqft

Price Cut

$82,000

7107 Cowpoke TRL, Lago Vista, TX 78645

MLS #245569937 · Central Metro Realty · Cherryl Jamail

4 bd·3 ba·1,960 sqft

Motivated Seller

$250,000

18801 Hogan CIR #2, Lago Vista, TX 78645

MLS #245333752 · Compass RE Texas, LLC · Sara Arteaga

2 bd·2.5 ba·1,565 sqft

Price Cut

$385,000

20900 Boggy Ford RD, Lago Vista, TX 78645

MLS #245309148 · eXp Realty, LLC · Emily Dieckmann

3 bd·3 ba·2,021 sqft

Price Cut

$330,000

21804 Crystal WAY, Lago Vista, TX 78645

MLS #245122218 · eXp Realty, LLC · Emily Dieckmann

3 bd·2 ba·1,554 sqft

Price Cut

$349,000

2701 Warren CV, Lago Vista, TX 78645

MLS #245126590 · eXp Realty, LLC · Barrett Raven

4 bd·2 ba·1,820 sqft

Price Cut

$249,000

3404 American DR #3101, Lago Vista, TX 78645

MLS #245015527 · Hill Country Lakes Realty · Cam Woolverton

1 bd·1 ba·705 sqft

$215,000

3404 American DR #1212, Lago Vista, TX 78645

MLS #239545958 · Redfin Corporation · Jade Young

1 bd·1 ba·426 sqft

Motivated Seller

$180,000

3404 American DR #3314, Lago Vista, TX 78645

MLS #239547451 · Redfin Corporation · Jade Young

1 bd·1 ba·426 sqft

Motivated Seller

$240,000

3404 American DR #2200, Lago Vista, TX 78645

MLS #239716548 · Redfin Corporation · Jade Young

1 bd·1 ba·625 sqft

Motivated Seller

$199,000

3404 American DR #2205, Lago Vista, TX 78645

MLS #239723757 · Redfin Corporation · Jade Young

1 bd·1 ba·842 sqft

Motivated Seller

$154,500

3404 American DR #3300, Lago Vista, TX 78645

MLS #234423231 · Compass RE Texas, LLC · Debbie Jennings

1 bd·1 ba·492 sqft

Price CutPossibly Assumable

$330,000

22108 Cross Timbers BND, Lago Vista, TX 78645

MLS #242724561 · Watters International Realty · Chris Watters

3 bd·2 ba·2,306 sqft

$299,900

3404 American DR #1308, Lago Vista, TX 78645

MLS #240817449 · Listing Results, LLC · Jack McLemore

2 bd·2 ba·1,215 sqft

Motivated Seller

$235,000

3404 American DR #2106, Lago Vista, TX 78645

MLS #240016177 · The Marye Company · Kimberly Zipfel

2 bd·2 ba·1,182 sqft

Motivated Seller

$170,000

5804 Circulo DR #2A, Lago Vista, TX 78645

MLS #239664636 · Coldwell Banker S.G. Billings · Emma Polk

3 bd·3 ba·1,526 sqft

Price Cut

$375,000

4112 Rockwood DR, Lago Vista, TX 78645

MLS #240248711 · Pure Realty · David Wiebe

3 bd·2 ba·1,917 sqft

Motivated Seller

$212,000

1919 American DR #B-110, Lago Vista, TX 78645

MLS #242509774 · Duke Realty · Johnny Duke

2 bd·2 ba·1,488 sqft

Motivated Seller

$230,000

18801 Hogan CIR #3, Lago Vista, TX 78645

MLS #243535998 · Compass RE Texas, LLC · Sara Arteaga

2 bd·2.5 ba·1,565 sqft

$295,000

20900 Waterside DR #1, Lago Vista, TX 78645

MLS #240690780 · Team Price Real Estate · Renee McCharen

3 bd·2.5 ba·1,434 sqft

$310,000

21600 Pierce cv #101, Lago Vista, TX 78645

MLS #243904451 · eXp Realty, LLC · Emily Dieckmann

3 bd·3 ba·1,200 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 65 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.