Homes Under $400K in Temple, TX

114 active homes under $400k in Temple, TX · The median list price in Temple is $252,500.

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$399,000

2317 Windsong LN, Temple, TX 76502

MLS #247033072 · HomeCoin.com · Jonathan Minerick

4 bd·3.5 ba·2,603 sqft

Price Cut

$234,000

1316 Zetsche CT, Temple, TX 76504

MLS #246983237 · Team Price Real Estate · Blanca Garza

3 bd·2 ba·1,480 sqft

Price CutNew Construction

$221,440

7303 Ducket Creek DR, Temple, TX 76502

MLS #246903330 · Nexthome Tropicana Realty · Eleonora Santana

3 bd·2 ba·1,434 sqft

Quick Move-In

Motivated Seller

$220,000

12 S 23rd ST, Temple, TX 76504

MLS #246856545 · All City Real Estate Ltd. Co · Tania Rodriguez

5 bd·2 ba·2,489 sqft

Motivated Seller

$375,000

4975 Goliad DR, Temple, TX 76502

MLS #246839682 · Jorgenson Real Estate · Kasey Jorgenson

3 bd·2 ba·1,485 sqft

$205,000

1202 S 51st ST, Temple, TX 76504

MLS #246811701 · Classic Realty · Phillip Baird

3 bd·2 ba·1,847 sqft

Price Cut

$225,000

2202 Winchester DR, Temple, TX 76502

MLS #246782322 · Realty of America, LLC · Ryan Smith

4 bd·2 ba·1,783 sqft

Price Cut

$319,900

1319 Branchwood WAY, Temple, TX 76502

MLS #246763703 · Levi Rodgers Real Estate Group · Mayra Torres

3 bd·2 ba·2,055 sqft

Motivated Seller

$267,900

1905 Broken Shoe TRL, Temple, TX 76502

MLS #246675790 · Native Real Estate · Kirbi Barbosa

3 bd·2 ba·1,534 sqft

Motivated SellerNew Construction

$239,249

916 Campbelton DR, Temple, TX 76504

MLS #246626890 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,676 sqft

Quick Move-In

Motivated SellerNew Construction

$232,499

908 Campbelton DR, Temple, TX 76504

MLS #246626891 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,859 sqft

Quick Move-In

Price Cut

$249,900

3302 Chisholm TRL, Temple, TX 76504

MLS #246580165 · Native Real Estate · Kirbi Barbosa

4 bd·3 ba·2,137 sqft

Price Cut

$299,900

7812 Hickman ST, Temple, TX 76502

MLS #246561920 · All City Real Estate Ltd. Co · Jayci Humphrey

4 bd·2.5 ba·1,668 sqft

Motivated Seller

$329,000

1540 Cobble Hill CT, Temple, TX 76502

MLS #246564736 · All City Real Estate Ltd. Co · Jayci Humphrey

4 bd·2.5 ba·2,232 sqft

New Construction

$287,499

911 Campbelton DR, Temple, TX 76504

MLS #246561914 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,922 sqft

Quick Move-In

$209,900

1803 S 15th ST, Temple, TX 76504

MLS #246445950 · Alfredo Guerrero, Broker · Brooke Guerrero

3 bd·2 ba·1,758 sqft

Price CutNew Construction

$286,905

1115 Bandera CT, Temple, TX 76501

MLS #246375983 · ERA Experts · Matt Menard

4 bd·3 ba·1,898 sqft

Quick Move-In

$215,000

406 E Upshaw Ave, Temple, TX 76501

MLS #246318101 · Realty Texas LLC · Cornelius Graham

3 bd·2 ba·1,722 sqft

$300,000

717 Friar Tuck DR, Temple, TX 76502

MLS #246289726 · Spyglass Realty · Caitlin McLean

4 bd·3 ba·1,788 sqft

Price Cut

$214,000

1119 Wild Wood DR, Temple, TX 76504

MLS #246232480 · Realty of America, LLC · Ryan Smith

3 bd·2 ba·1,320 sqft

Motivated Seller

$205,000

906 Brandywine DR, Temple, TX 76504

MLS #245974132 · All City Real Estate Ltd. Co · Vanessa Thomas

3 bd·2 ba·1,465 sqft

Motivated SellerNew Construction

$242,249

926 Antelope TRL, Temple, TX 76504

MLS #245961303 · Keller Williams City-View · Christopher Marti

4 bd·2 ba·1,922 sqft

Quick Move-In

Price Cut

$219,900

1109 Monte Verde DR, Temple, TX 76504

MLS #245953038 · Realty of America, LLC · Ryan Smith

3 bd·2 ba·1,443 sqft

Motivated Seller

$279,900

9005 Sage Valley DR, Temple, TX 76502

MLS #245917958 · Keller Williams Realty · Elaine Montgomery

3 bd·2.5 ba·2,720 sqft

About Homes Under $400K in Temple, TX

Setting a price ceiling is one of the most useful ways to shop, and there are 114 homes for sale under $400K in Temple 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 Temple 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 Temple 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 Temple today.

Buying a Home Under $400K in Temple

Shopping with a $400K ceiling in Temple 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 Temple 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 Temple?

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

It depends on how $400K compares to the local market — the median list price for Temple 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 Temple market?

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

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

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.