Bell County Homes under $400,000

Welcome to Bell County, Texas—a hidden gem that beautifully marries small-town charm with modern conveniences. Nestled in the heart of Central Texas, Bell County boasts a vibrant community, rich history, and a landscape that invites exploration. With its friendly atmosphere and a plethora of outdoor activities, it’s no wonder that families and individuals alike are drawn to this delightful region.

One of the most appealing aspects of Bell County is its diverse real estate market, particularly for those seeking homes under $400,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, the options are plentiful and varied. From cozy single-family homes in established neighborhoods to newer constructions with modern amenities, there is something for everyone. Imagine settling into a charming three-bedroom home with a spacious backyard, perfect for weekend barbecues or a serene garden retreat.

The county is also home to excellent schools, parks, and recreational facilities, making it an ideal place to raise a family. With easy access to nearby cities like Killeen and Temple, residents enjoy the tranquility of suburban living while being just a short drive away from urban conveniences.

In Bell County, you’ll find more than just a house; you’ll discover a community where neighbors become friends and memories are made. If you’re ready to embark on your home-buying journey, explore the delightful homes available under $400,000 and take the first step toward your new life in Bell County, Texas!

Newest Bell County Homes under $400,000

$224,900

4 Beds ⋅ 2 Baths ⋅ 21410808 MLS

Welcome to this charming light blue, 3-bedroom, 2-bath ranch-style home offering comfort, character, and inviting curb appeal! The convenient single-story layout provides a practical living space with plenty of potential to make it your own. Step outside and discover a spacious backyard, perfect for outdoor entertaining, weekend barbecues, gardening, or simply relaxing and enjoying the outdoors. To help visualize this homes floor plan and to highlight its potential virtual furnishings may have been added to photos found in this listing

1306 Campbelton Dr, Temple

$155,000

2 Beds ⋅ 2 Baths ⋅ 21408895 MLS

Looking for immediate cash flow or a 100% move-in ready home? This stylishly renovated 2Bed 2Bath home in Killeen has all to offer. From the designer touches to the fully furnished setup, absolutely everything has been done for you—just bring your suitcase —and your awesome self! The open layout creates an inviting atmosphere with contemporary finishes throughout. Enjoy prime convenience, located just 10 minutes from Fort Hood (Fort Cavazos), 5 minutes from business centers including medical facilities, dining, and entertainments. Currently generating active cash flow as a short-term rental, this versatile property gives buyers the best of both worlds: a turnkey home for personal living or an established income producer from day one. Don't miss this rare, move-in ready opportunity.

4506 Ronald Dr, Killeen

$75,000

3 Beds ⋅ 2 Baths ⋅ 21408879 MLS

Affordable 3-bedroom, 2-bath home with great potential! Featuring carpet and vinyl flooring throughout, this property offers an opportunity to make updates and improvements to suit your style. With some TLC and cosmetic updates, this home could make a great investment property, rental, or primary residence. Conveniently located in Killeen near shopping, dining, and everyday amenities. Bring your ideas and make this property your own! Being Sold-AS-IS

1109 Karen Dr, Killeen

$209,900

3 Beds ⋅ 2 Baths ⋅ 21404087 MLS

Located in the highly sought-after Temple Medical District residential infill area, this charming 3-bedroom, 1.75-bath home offers a rare and versatile opportunity in one of the city’s most dynamic and steadily growing corridors. Built in 1954, the property features approximately 1,758 square feet of living space on a spacious 0.26-acre lot, blending original character with thoughtful updates and flexible living options. The functional floor plan provides multiple living and dining areas, ideal for both everyday living and entertaining. Its prime location near major healthcare facilities and employment hubs naturally attracts consistent demand from medical students, traveling nurses, healthcare professionals, and long-term residents alike—making it well-suited for both short-term and permanent housing needs. Recent improvements add value and peace of mind, including a brand new roof, refinished ORIGINAL wood flooring in living, hall, and primary bedroom, updated gas lines from the city, and upgraded water lines from city and internet lines. These essential updates complement the home’s timeless appeal while supporting modern living. The kitchen area is ready for buyer's personal touch and updating. Carpeted areas have original wood flooring underneath- for the buyer looking for a project! Outdoor features include established garden beds and a dedicated fire pit area, creating a welcoming space for relaxing or gathering with guests. A two-car garage connects to the home through a charming enclosed breezeway entry adding the perfect inside space for your herb garden or plants. Whether you’re an investor seeking strong occupancy potential and rental stability, or a first-time homebuyer looking for long-term value in a high-demand area, this property delivers. Conveniently located with easy access to local schools, shopping, dining, and major roadways, it stands out as a substantial and forward-thinking opportunity in a growing Central Texas market.

1803 S 15th St, Temple

$149,000

3 Beds ⋅ 2 Baths ⋅ 21403660 MLS

Investor and handyman special in Temple! This 1961 single-story brick home offers 3 bedrooms, 2 full baths and 1,363 sq ft on a 0.22-acre lot in the established Skyline subdivision. Features include a front-facing two-car attached garage, an additional detached garage, multiple storage and workshop buildings, mature shade trees, and a kitchen with ample wood cabinetry, wall oven, cooktop and dishwasher. The second bath has a walk-in shower. The home needs cosmetic updating throughout, making it a great opportunity to add value and build equity. Minutes from Loop 363, shopping and dining. Temple ISD.

2206 S 51st St, Temple

$199,900

4 Beds ⋅ 4 Baths ⋅ 21394137 MLS

Discover your dream home nestled in a peaceful subdivision just moments from the serene waters of Lake Belton. Location is key, as you are incredibly close to Lake Belton. The Belton Lake Boat Ramp is your closest direct access point for a day on the water. For additional options, Carp Boat Dock and Franks Marina are also nearby, providing excellent slip and docking setups for all your boating needs. This inviting double-wide mobile home offers a spacious open floor plan perfect for comfortable living and entertaining. This home is featuring 4 bedrooms and 2 full baths, this property also includes a versatile bonus room that could serve as a home office, playroom, or media space. The heart of the home is a huge, open-concept kitchen that flows seamlessly into the main living areas. You will love the convenience of the large laundry room, which features a direct connection to the expansive master suite. The master bedroom is truly gigantic, providing a private retreat with ample space. The attached master bath includes a relaxing garden tub, a separate shower, and dual sinks to accommodate your daily routine. Step outside to enjoy the generous .57-acre lot, which offers plenty of space for outdoor activities and relaxation. The backyard is a standout feature, complete with established fruit trees and a unique outdoor wooden kitchen, making it the perfect setting for hosting gatherings or enjoying quiet evenings under the stars. This property combines the comfort of a well-appointed home with the lifestyle benefits of lakeside living. Schedule your visit today to see everything this wonderful home has to offer. Discover your dream home nestled in a peaceful subdivision just moments from the serene waters of Lake Belton. This inviting double-wide mobile home offers a spacious open floor plan perfect for comfortable living and entertaining.

113 Calvary Dr, Belton

$260,000

3 Beds ⋅ 2 Baths ⋅ 21400731 MLS

Welcome home to this well-maintained Temple property offering plenty of space, character, and opportunity to make it your own. Step inside to a clean and functional floor plan featuring generously sized rooms, traditional finishes, and a warm, inviting feel throughout. The home has been lovingly cared for and offers a wonderful canvas for buyers who appreciate classic charm or want to add their own personal touches over time. Outside, enjoy a spacious private yard with plenty of room for entertaining, gardening, play, or simply relaxing outdoors. Conveniently located near schools, parks, shopping, dining, and everyday amenities, this home combines comfortable living with a location that makes getting around Temple easy. Whether you're looking for a home you can enjoy now or one you can personalize along the way, this property offers space, versatility, and so much potential. Come see it in person and imagine making it your own!

2115 N 9th St, Temple

$335,000

3 Beds ⋅ 3 Baths ⋅ 21397673 MLS

Get ready to be amazed by this spacious and stylish home, thoughtfully designed with upgrades and attention to detail throughout! From the moment you arrive, the curb appeal shines with mature trees, a welcoming front porch, and an upper-level balcony. Upon entry, you’re greeted by an inviting open-concept formal living and dining area. The heart of the home is the expansive kitchen and family room, featuring a large center island, double built-in ovens, stainless steel appliances, a double sink, dishwasher, range, and built-in microwave. A convenient mudroom located just off the garage adds valuable functionality and storage. All carpeted areas on first and second floor has been replaced with beautiful laminate wood. Upstairs, a versatile game room provides endless possibilities as a playroom, media room, home office, or additional living space. Step outside onto the extended front-facing balcony and enjoy views of the neighborhood. The spacious primary suite features double doors, a relaxing soaking tub, and dual closets. Two generously sized secondary bedrooms provide plenty of room for family or guests. The backyard is truly exceptional and designed for entertaining! An expansive covered patio with concrete flooring offers multiple seating areas, while two gazebos create additional spaces to relax and enjoy the outdoors. A wooden railing adds charm and definition to the space. Completing this incredible backyard setup are a custom storage shed matching doghouse and replaced wood privacy fence. Second floor and exterior AC unit replaced 2024. With generous living spaces, thoughtful upgrades, impressive outdoor amenities, and plenty of room to entertain, this home truly has it all!

2211 Memory Ln, Harker Heights

$314,000

4 Beds ⋅ 3 Baths ⋅ 21397183 MLS

A two-story design and 2537.0 square feet of living area define this functional home on Greyfriar Dr. The interior features fresh updates, having been completely repainted on the inside to create a warm and inviting atmosphere. New carpet runs through the living spaces, while recent appliances are ready for use in the kitchen. Three separate living areas provide ample space to spread out, including a large entertainment room designed for leisure and gatherings. A laundry room adds everyday convenience to the layout. Outside, the property is situated on a 0.12-acre lot. A full-size two-car garage offers dedicated parking and storage, completing this Killeen residence.

3416 Greyfriar Dr, Killeen

$299,950

3 Beds ⋅ 3 Baths ⋅ 21395411 MLS

Beautifully situated in the gated Tanglewood community, this 3-bedroom, 3-bath home offers approximately 3,881 square feet of living space on a wooded lot with peaceful hill and lake views. Built in 2022, the property combines modern construction with the privacy and natural beauty of the surrounding landscape. The spacious layout provides plenty of room for comfortable living and entertaining, while the established trees and elevated setting create a serene backdrop. Enjoy access to community amenities including a clubhouse, pool, playground, park, and gated entry. Conveniently located near Lake Belton and within Belton ISD. A great opportunity to own a newer home in a private, amenity-rich community with beautiful surroundings.

4997 Comanche Dr, Temple

$365,000

8 Beds ⋅ 4 Baths ⋅ 21392654 MLS

1808 Windward Dr, Killeen

$384,900

6 Beds ⋅ 4 Baths ⋅ 21394542 MLS

BRAND NEW CONSTRUCTION + A GREAT INVESTMENT OPPORTUNITY! Looking for a property that gives you options? This beautifully built duplex offers the flexibility to live in one side while renting the other, or rent both units for an investment opportunity. Each side features its own separate backyard, full sod and irrigation, and no rear neighbors—a rare combination that adds privacy and makes each space feel like home. Inside, you’ll find durable vinyl plank flooring throughout, quartz countertops in kitchen, cultured marble counters in bathrooms, stainless steel appliances, ceiling fans, and a clean, modern finish throughout each unit. The thoughtful layout offers comfortable living spaces with low-maintenance finishes that are ideal for both homeowners and tenants. Conveniently located with easy access to Downtown Temple, the VA Medical Center, Baylor Scott & White Medical Center, and Fort Hood. Downtown Temple is approximately 8–10 minutes away, both major medical centers are approximately 10 minutes away, and Fort Hood is approximately 35–40 minutes away. Whether you’re looking to house hack, build your rental portfolio, or add a turnkey property to your investment strategy, this brand-new duplex is worth a look!

206 Dolphin Dr, Temple

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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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