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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Motivated SellerNew Construction

$271,445

3017 Dimmit DR, Temple, TX 76501

MLS #244339355 · ERA Experts · Matt Menard

3 bd·2 ba·1,702 sqft

Quick Move-In

Price Cut

$105,000

1239 Honor LN, Temple, TX 76501

MLS #242614476 · Magnolia Realty · Kristi Sanguinet

1 bd·1 ba·656 sqft

Price Cut

$162,000

1818 S 39th ST, Temple, TX 76504

MLS #243274351 · Coldwell Banker Realty · Karina Loyo

2 bd·1 ba·1,038 sqft

Motivated Seller

$214,650

1730 Rapids DR, Temple, TX 76502

MLS #244604605 · Nexthome Tropicana Realty · Eleonora Santana

3 bd·2 ba·1,280 sqft

Price Cut

$217,720

7411 Ducket Creek DR, Temple, TX 76502

MLS #244615977 · Nexthome Tropicana Realty · Eleonora Santana

3 bd·2 ba·1,280 sqft

Price Cut

$224,560

7403 Ducket Creek DR, Temple, TX 76502

MLS #244617739 · Nexthome Tropicana Realty · Eleonora Santana

3 bd·2.5 ba·1,470 sqft

$359,900

7302 Golden Heart DR, Temple, TX 76502

MLS #241854557 · RE/MAX Temple-Belton · Chris Lockett

4 bd·2 ba·2,019 sqft

Motivated SellerNew Construction

$383,600

9832 Jett DR, Temple, TX 76502

MLS #244044319 · Nexthome Tropicana Realty · Eleonora Santana

3 bd·2 ba·2,150 sqft

Quick Move-In

Motivated Seller

$128,900

5 S 19th ST, Temple, TX 76504

MLS #226724522 · JBGoodwin REALTORS NW · Dan Burstain

3 bd·2 ba·921 sqft

Motivated Seller

$127,500

9 S 19th ST, Temple, TX 76504

MLS #226724526 · JBGoodwin REALTORS NW · Dan Burstain

3 bd·2 ba·1,188 sqft

Motivated Seller

$140,000

1304 S 19th ST S, Temple, TX 76504

MLS #244019732 · Vylla Home · Anthony Sowder

2 bd·1 ba·1,036 sqft

Price CutNew Construction

$206,440

7311 Ducket Creek DR, Temple, TX 76502

MLS #244606541 · Nexthome Tropicana Realty · Eleonora Santana

3 bd·2 ba·1,156 sqft

Quick Move-In

Motivated SellerNew Construction

$260,890

2805 McKinney CT, Temple, TX 76501

MLS #237350162 · ERA Experts · Matt Menard

3 bd·2 ba·1,584 sqft

Quick Move-In

Motivated Seller

$225,000

5623 Fair Hill DR, Temple, TX 76502

MLS #244015772 · Teifke Real Estate · Matt Teifke

3 bd·2 ba·1,496 sqft

Motivated SellerNew Construction

$395,020

9722 Jett DR, Temple, TX 76502

MLS #244746415 · Nexthome Tropicana Realty · Eleonora Santana

3 bd·2 ba·2,150 sqft

Quick Move-In

Price Cut

$359,000

10239 Six Shooter LN, Temple, TX 76502

MLS #244791423 · Realty of America, LLC · Ryan Smith

4 bd·2.5 ba·2,325 sqft

Motivated Seller

$325,000

5716 Avenue C, Temple, TX 76501

MLS #239725474 · Keller Williams Realty Lone St · Minnie Sanchez

4 bd·2 ba·1,560 sqft

Motivated Seller

$245,000

415 Starview ST, Temple, TX 76502

MLS #244870441 · Eaton Real Estate Company,LLC · Stephen Eaton

4 bd·2.5 ba·3,292 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.