Tioga Homes under $400,000

**Discover Tioga, Texas: Your Ideal Home Awaits!**

Nestled in the heart of Grayson County, Tioga, Texas, is a charming small town that embodies the spirit of community and Southern hospitality. With its picturesque landscapes and friendly atmosphere, Tioga is an ideal place for families, retirees, and anyone seeking a peaceful lifestyle while still being within reach of larger cities. Located just a short drive from the bustling metropolis of Dallas, Tioga offers a perfect blend of rural tranquility and urban accessibility.

One of the most appealing aspects of Tioga is the affordability of its real estate market. Homes in this delightful town can be found under $400,000, making it an attractive option for first-time homebuyers and those looking to downsize without compromising on quality. Whether you’re searching for a cozy single-family home with a sprawling backyard or a modern abode with updated amenities, Tioga has something to suit every taste and budget.

In addition to its affordable housing, Tioga boasts a wealth of local parks, recreational activities, and a tight-knit community that hosts various events throughout the year. Residents enjoy the charm of small-town living, complete with friendly neighbors and a slower pace of life that allows for meaningful connections and a sense of belonging.

If you’re ready to find your dream home in a welcoming community, Tioga, Texas, is the perfect destination. Explore the available listings under $400,000 and discover the charm and opportunity that awaits you in this hidden gem of Grayson County!

Newest Tioga Homes under $400,000

$375,000

5 Beds ⋅ 3 Baths ⋅ 21407617 MLS

INCREDIBLE BUYER INCENTIVES: $6,000 MORTGAGE CONCESSION. Opendoor Home Loans will contribute up to $6,000 towards a permanent interest rate buy-down if you finance with Opendoor Home Loans LLC. 402 N Race St is a two-story Tioga home with five bedrooms, three full bathrooms and 2,269 square feet of living area. White cabinets and a center island define the kitchen, with a refrigerator, range and microwave in place. An adjoining breakfast area leads toward a separate living room, giving the main level distinct spaces for meals and gathering. One bathroom includes a double vanity and shower enclosure. Outside, a covered patio overlooks the fenced backyard. An attached two-car garage provides parking on the 10,280-square-foot lot. Home comes with a 100-Day Home Warranty

402 N Race St, Tioga

$349,990

3 Beds ⋅ 2 Baths ⋅ 21396575 MLS

New construction with a bright, open living space and a kitchen you’ll want to see in person. A large island anchors the kitchen, with white Shaker cabinets, Calacatta Classique countertops, a glossy Cloud Blue tile backsplash, and stainless appliances. The kitchen flows into the dining and living areas, where a fireplace and backyard-facing windows make the space feel welcoming. The primary suite features dual sinks, a glass-enclosed shower, and a walk-in closet with built-in shelving. This single-story home in The Gables at Tioga offers 3 bedrooms, 2 baths, 1,628 square feet, a two-car garage, and a 76-by-110-foot lot. Offered at $349,990. Schedule a tour of 604 Austen Avenue.

604 Austen Ave, Tioga

$324,900

3 Beds ⋅ 2 Baths ⋅ 21385868 MLS

Move-in ready and ideally situated in the heart of Tioga, this inviting 3-bedroom, 2-bath home offers the comfort, flexibility, and small-town charm buyers are looking for. The thoughtfully designed open-concept floor plan creates a natural flow between the kitchen, dining area, and living room, making it easy to enjoy everyday life while also providing a welcoming setting for hosting family and friends. The spacious living area offers plenty of room to relax, gather, and make the home your own. The adjoining kitchen and dining space keep everyone connected, whether you are preparing meals or entertaining guests. Three well-sized bedrooms and two full baths provide functional space for a variety of needs, including a home office, nursery, guest room, or hobby space. Step outside to discover the expansive backyard, a peaceful blank canvas with room to bring your outdoor vision to life. Create the backyard retreat you have always wanted with a future pool, garden, play area, outdoor entertaining space, workshop, storage building, or space for chickens and hobbies. Enjoy the freedom and flexibility that comes with no HOA, allowing you more options to use and personalize your property to fit your lifestyle. Conveniently located near Tioga’s local shops, dining, and schools. Don’t miss your chance to make this beautiful Tioga property your next home. Schedule your private showing today!

209 Main St, Tioga

$394,900

3 Beds ⋅ 2 Baths ⋅ 21345449 MLS

Welcome home to small-town Tioga! This inviting 3-bedroom, 2-bath home sits on a spacious .425-acre lot with plenty of room to enjoy both indoors and out. Pre-K through 8th grade schools are conveniently located within walking distance. Inside, you'll find generous room sizes, abundant storage, central heat and air, and a cozy wood-burning fireplace. The kitchen features granite countertops and a walk-in pantry, while a separate laundry room easily accommodates a full-size washer and dryer. The 16' x 13' primary bedroom includes a large walk-in closet and an ensuite bath with dual sinks, built-in cabinetry, linen storage, and an accessible shower. Both secondary bedrooms are approximately 12' x 12', offering comfortable space for family, guests, or a home office. Outside, the property includes a 2-car garage plus an approximately 600-square-foot metal building—ideal for a workshop, additional storage, hobbies, or equipment. With nearly half an acre, comfortable living spaces, great storage, and the charm of Tioga, this property offers room to settle in and make it your own. Information is deemed accurate but Buyers & Agents must independently verify all information.

1209 Sherman St, Tioga

$125,000

2 Beds ⋅ 1 Baths ⋅ 21337775 MLS

Huge Corner Lot on Sherman St and Lamar St in Tioga right next to City offices! Seize the opportunity in Tioga's expanding market with this well-located lot! Equipped with existing power, water, and gas connections, and recently fenced on three sides, it's ready for development. The 1900s home currently on the property will require extensive renovation or demolition or tear-down project, and the listing price is for lot value only. This is an ideal blank canvas for a custom build or its potential for new construction.

504 Sherman St, Tioga

$324,000

3 Beds ⋅ 2 Baths ⋅ 21239937 MLS

Don't let the 1925 date fool you — this home was essentially reborn in 2022 with all-new HVAC, electrical, and plumbing, plus full foam insulation that makes it as efficient as anything built new today. Sitting on a corner lot in the heart of Tioga, this 3-bedroom, 2-bath home delivers 1,632 square feet of thoughtfully designed living space with an open floorplan, luxury vinyl plank flooring throughout, and finishes that punch well above its price point. The kitchen is the heart of the home — featuring a large island with seating, built-in gas range, quartz countertops, built-in wine cooler, pantry, and a layout that flows naturally into the living area. The primary suite offers a true retreat with dual sinks, garden tub, separate shower, walk-in closet, and an ensuite bath finished to match. The utility room includes built-in cabinets, a sink, and full-size washer & dryer connections. Step outside and you'll find a backyard built for living — covered gazebo with lighting, stone fire pit, artificial turf, concrete patio, and a 13x20 carport with 11-foot clearance. The 18x20 shop with 8-foot sidewalls and electrical is ready for tools, toys, or a workspace. Corner lot location means extra room to breathe. All this in Tioga ISD, with city water, city sewer, and individual gas meter. Move-in ready with nothing left to do but enjoy it.

113 Smith, Tioga

$389,900

4 Beds ⋅ 3 Baths ⋅ 21168202 MLS

NEW PRICE & BUILDER INCENTIVE.... $15K TO BUY DOWN INTEREST RATE OR FOR CLOSING COSTS......Welcome Home to this charming Craftsman style home that offers a perfect blend of elegance and functionality. Step inside and be greeted by the spacious living room, complete with a cozy fireplace, ideal for chilly evenings. The primary suite boasts a luxurious ensuite bathroom featuring dual sinks, a garden tub, a separate shower, and a linen closet for ample storage. Upstairs, you'll find two bedrooms, one of which can be transformed into a game room or an additional bedroom, providing versatile living options. The kitchen is a chef's dream, adorned with granite countertops, a kitchen island, and a walk-in pantry for all your culinary needs. Upstairs also offers a flex nook space, perfect for a study or reading area. With an energy-efficient design and appliances, this home is as practical as it is stylish. Additionally, the 2 and a half car garage provides plenty of storage space. Don't miss the opportunity to own this beauty with all of it's stunning design and thoughtful features.

602 Kyle Dr, Tioga

$336,000

3 Beds ⋅ 2 Baths ⋅ 21168160 MLS

NEW PRICE & BUILDER INCENTIVE.... $10K TO BUY DOWN INTEREST RATE OR FOR CLOSING COSTS. Welcome Home to this stunning Craftsman style design in the community of Gables at Tioga! The community is located within close proximity of Tioga ISDs highly rated Elementary & Intermediate schools. This beautiful one story, open floor plan has 3 bedrooms, 2 baths and 2 car garage. Stepping inside you'll feel right at home. You'll be met with high end finishes throughout including beautiful wood look luxury vinyl floors, custom cabinetry, elegant tile & countertops. Enjoy cooking in the well-appointed kitchen which features stainless appliances, gas cooktop and a large center island. This home sits on a landscaped lot with grass and sprinkler system. Enjoy the evenings under the covered back patio. Don't miss this rare opportunity to own a wonderfully built Red Gable Home with a modern farmhouse feel & energy efficient lifestyle.

605 Finlee Way, Tioga

$329,900

3 Beds ⋅ 2 Baths ⋅ 21159463 MLS

NEW PRICE & BUILDER INCENTIVE.... $10K TO BUY DOWN INTEREST RATE OR FOR CLOSING COSTS.Welcome home to this stunning Craftsman-style residence in the desirable Gables at Tioga community, conveniently located near Tioga ISD’s highly rated elementary and intermediate schools. This beautifully designed one-story home features an open floor plan with 3 bedrooms, 2 bathrooms, and a 2-car garage, creating a warm and inviting atmosphere from the moment you step inside. High-end finishes shine throughout, including wood-look luxury vinyl flooring, custom cabinetry, and elegant tile and countertops. The well-appointed kitchen is a dream for any home chef, offering stainless steel appliances, a gas cooktop, and a spacious center island perfect for gathering. Situated on a landscaped lot with grass and a sprinkler system, the home also features a covered back patio—ideal for relaxing evenings outdoors. Don’t miss this rare opportunity to own a thoughtfully built Red Gable Home that blends modern farmhouse charm with energy-efficient living.

612 Finlee Way, Tioga

$249,000

4 Beds ⋅ 2 Baths ⋅ 21038913 MLS

Charming Home in the Heart of Tioga – Packed with Potential! Welcome to a warm and inviting home located directly across from the city park and playground in desirable Tioga ISD. With solid wood craftsmanship touches throughout—including hardwood cabinets, doors, and trim—this property is ready for your personal touch and upgrades to make it your own. Step inside to discover a flexible layout featuring two living areas (or use as an additional bedroom), includes walk-in closets, and a cozy wood pellet fireplace perfect for cooler evenings. Enjoy comfort year-round with a Trane 13 SEER HVAC system and energy-efficient low-E windows. Outside, you'll find plenty of space for all your needs, including a 2-car carport, a garage workshop with overhead door, and ample additional parking—ideal for guests, hobbies, or extra vehicles. Whether you're looking to update or simply settle into a peaceful small-town lifestyle, this property offers endless potential in a great location. Don't miss your chance to make this one yours!

801 E Main St, Tioga

$275,000

3 Beds ⋅ 2 Baths ⋅ 20763150 MLS

NEW PRICE & BUILDER INCENTIVE.... $10K TO BUY DOWN INTEREST RATE OR FOR CLOSING COSTS. Located in the vibrant heart of Tioga, this charming single-story Craftsman home offers comfort, convenience, and timeless style. Perfectly situated near Tioga schools, it features an open floor plan that welcomes you with warmth and functionality, ideal for modern living. The spacious primary suite serves as a private retreat, complete with an ensuite bathroom featuring dual sinks, a walk-in shower, linen storage, and a generous walk-in closet. Culinary enthusiasts will appreciate the gourmet kitchen, complete with a central island, granite countertops, and a roomy walk-in pantry. Practicality is seamlessly incorporated with a dedicated utility room for added convenience. Unwind in the cozy living room, designed for relaxation and gatherings. Additional highlights include a two-car garage, a covered back patio, energy-efficient windows and appliances, and a beautifully landscaped yard equipped with a sprinkler system and rain gutters. This home is truly a blend of style, comfort, and a prime location—a rare find ready to be cherished!

223 Faith Ln, Tioga

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Listings provided by North Texas Real Estate Information Systems (NTREIS). Listing data has been deemed reliable but is not guaranteed to be accurate by the MLS.

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