Hill County Homes under $400,000

Welcome to Hill County, Texas – a hidden gem nestled in the heart of the Lone Star State! Known for its picturesque landscapes and friendly communities, Hill County offers a unique blend of rural charm and modern convenience. With its rolling hills, serene lakes, and vibrant local culture, it’s no wonder that this area is becoming a sought-after destination for homebuyers looking for affordable living without sacrificing quality.

For those searching for their dream home, Hill County presents an impressive selection of properties priced under $400,000. Whether you're a first-time buyer, a growing family, or looking to downsize, you’ll find a variety of options that cater to diverse lifestyles and preferences. From cozy cottages to spacious family homes, each property is set against the backdrop of Hill County’s stunning natural beauty.

Imagine waking up to breathtaking sunrises and enjoying weekend afternoons exploring the nearby parks and lakes. With easy access to the charming towns of Hillsboro, Whitney, and Meridian, residents can indulge in delightful local dining, boutique shopping, and community events that celebrate the rich heritage of the area.

Hill County is not just about beautiful homes; it’s about building a life filled with memories. With excellent schools, friendly neighbors, and a strong sense of community, you’ll find that this area is perfect for anyone looking to settle down and thrive. Explore the possibilities that await you in Hill County, where your dream home is just a heartbeat away, and the lifestyle you’ve always wanted is waiting for you.

Newest Hill County Homes under $400,000

$239,000

3 Beds ⋅ 2 Baths ⋅ 21424013 MLS

Bright, open living spaces, warm wood accents, and a spacious, rolling backyard welcome you to 131 Choctaw Trail in Whitney, Texas. Natural wood posts and a decorative gable accent frame the covered front porch, providing a charming spot for morning coffee or unwinding at the end of the day. Everything above the foundation was replaced in 2026 (including pvc drains) giving this home a fresh start inside and out. Inside, vaulted ceilings and a striking wood beam give the main living area an airy, spacious feel. Natural light, soft neutral tones, and wood-look flooring create an inviting backdrop for your personal style. The open layout connects the living room, dining area, and kitchen, keeping everyone together whether you’re hosting friends or enjoying a quiet evening at home. White Shaker-style cabinetry, stainless steel appliances, a classic subway tile backsplash, and contrasting hardware give the kitchen a polished look. Generous cabinet and counter space keeps everyday essentials within reach, while the adjoining dining area offers a bright setting for meals and conversation. Carpeted bedrooms provide comfortable places to recharge, including a primary retreat with an adjoining bathroom featuring a glass-enclosed shower. A separate laundry area adds everyday convenience. A new aerobic septic system adds to the property’s extensive improvements. Outside, sod surrounds the house, and mature trees add character to the landscape. A large, rolling backyard slopes away from the home, offering plenty of room for play, outdoor games, and enjoying the fresh air. The property is fenced on three sides, with space to bring your gardening and landscaping ideas to life. An attached garage with a storage area on the other side, a three-car carport, and a generous second entry and parking provides room for vehicles, tools, and recreational gear. From its welcoming porch to its expansive backyard, this home offers an inviting blend of style, comfort, and space to spread out.

131 Choctaw Trl, Whitney

$219,000

3 Beds ⋅ 2 Baths ⋅ 21416864 MLS

Cute farmhouse style home with a front porch for swinging on a corner lot on Cypress Avenue in Hubbard. Wood floors, high ceilings, family sized dining room, new energy saving double pane windows, extra insulation in attic, new HVAC, and a kitchen cute as pie are just a few of the amenities that make this a comfortable farmhouse style home. Kitchen has new bottom cabinets, reach in pantry, dishwasher, gas stove & oven, refrigerator, freezer, and center island, with new counter space. The formal dining room with bay room style windows also comes with a dining table to host a large family for holiday meals. The pass-through window to the kitchen is a nice feature for the cook. The living room just off the entry has new carpet and is a comfortable room to relax at home. Spacious primary bedroom has a huge walk-in closet attached, as well as the primary bathroom with tile tub and shower, unique sink in cabinet, new hot water heater, linen cabinets, and closet. The stacked washer dryer is in the back bathroom and stays with the property. There is a water treatment system and new water line from meter to house. The back yard is completely shaded by towering shade trees, 2 of which are huge pecan trees. Back yard is partially fenced with new privacy wood fence on property line. The location of Hubbard 30 minutes North of Waco & 75 miles South of the Metroplex, make this an ideal location between I35 & I45.

606 N Cypress Ave, Hubbard

$325,000

3 Beds ⋅ 1 Baths ⋅ 21423929 MLS

Looking to start a homestead? This 3 bedroom 1 bath home sitting on 10 acres is perfect! Equipped with a stock tank, and no restrictions. Located in Penelope ISD. Adjacent land available as well. More pics to come!

323 Hcr 3110 S, Penelope

$49,900

2 Beds ⋅ 2 Baths ⋅ 21423739 MLS

Renovation opportunity in Hillsboro: this 1915 home offers two bedrooms, two full bathrooms, a covered front porch and a detached garage. Front-facing gables, horizontal siding and decorative colored-glass windows contribute period character, while mature trees, fencing and a backyard swing set define the outdoor setting. A full renovation is needed. Work includes the porch ceiling, where missing panels expose framing and wiring, along with interior finish work and property cleanup. Property is sold as-is.

805 Park Dr, Hillsboro

$330,000

3 Beds ⋅ 2 Baths ⋅ 21422818 MLS

Modern farmhouse style, thoughtful design, and a convenient location in the heart of Whitney! Beautifully maintained and like-new, this inviting home offers over 1,700 square feet with 3 bedrooms, 2 bathrooms, and a functional split-bedroom floor plan. The open living and kitchen areas are filled with natural light, creating a comfortable space for everyday living and entertaining. A sleek electric fireplace anchors the living room, while the spacious kitchen features an island with seating and storage, granite countertops, ceiling-height cabinetry, stainless steel appliances including the refrigerator, and a walk-in pantry with additional counter space. Privately situated, the primary suite offers dual vanities, a spacious walk-in shower, and a generous walk-in closet. Both guest bedrooms offer ample space and storage. Just off the kitchen, a convenient mudroom with a built-in bench adds everyday functionality. Additional highlights include vinyl plank flooring throughout, stylish fixtures and hardware, smart home features, a spacious laundry room, excellent storage, plus a 2-car garage complete with epoxy flooring and a dedicated office nook or workshop area. Outside, a covered patio overlooks the large, private backyard with plenty of room to relax, entertain, or play. All of this in the heart of charming Whitney, just minutes from local shopping, dining, and schools. Schedule your showing today!

205 N Neches St, Whitney

$239,000

4 Beds ⋅ 2 Baths ⋅ 21401324 MLS

Welcome to this charming, newly remodeled, 4-bedroom, 2-bath home nestled in a quiet neighborhood on a spacious 0.34-acre lot. With new flooring throughout, this home offers a fresh, comfortable feel and plenty of room both inside and out. The generous lot provides ample space for outdoor enjoyment, entertaining, gardening, pets, or simply enjoying the peace and privacy of a larger property. There is a attached unfinished garage with no door that has room for 2 cars. The home convenient access to nearby schools.

143 Wayman Dr, Whitney

$239,000

3 Beds ⋅ 2 Baths ⋅ 21421234 MLS

Own a Piece of History with $0 Down! Step into turn-of-the-century charm with this beautifully maintained bungalow farmhouse on almost a half acre lot—originally the historic Central Baptist Church preacher’s home, carefully moved to its current location about 26 years ago. Tall ceilings, exposed beams, original interior doors, and tons of historic charm! Best of all? This home qualifies for USDA financing, meaning you can move in with $0 down toward the sales price! Key Features & Updates: Historic Character: You’ll drool over the gorgeous, freshly sanded and resealed original hardwood floors. Modern Comfort: Fresh paint throughout, a newer all-electric HVAC and heater with a heat pump, plus a recently leveled foundation (about 3 years ago). Spacious Layout: Enjoy a large kitchen offering plenty of room to move around and cook. Flexible Utilities: Gas lines were recently replumbed, providing an easy backup option for Dearborn-type heaters if preferred. Enjoy your choice of gas or electric cooking. Practical Improvements: Newer water heater, new attic ladder and decked attic space for extra storage, newer roof, new dishwasher, insulated pipes in the crawl space, and ceiling fans throughout. Don't miss your chance to own this charming piece of history with unbeatable financing options. Schedule your tour today! Required dialogue: this listing may contain AI enhanced photo(s).

411 E Marrion St, Itasca

$145,000

3 Beds ⋅ 1 Baths ⋅ 21408476 MLS

Charming 3-Bedroom Home with Remodeled Kitchen & Bath, Fenced Yards & Attached 2-Car Garage! Looking for a home with potential in a great neighborhood? This 3-bedroom, 1-bath property offers an open floorplan, a spacious backyard, and plenty of opportunity to make it your own! The kitchen and bathroom were remodeled in 2020 - 21, giving you a great starting point as you bring your own vision and personal touches to the home. Enjoy the added convenience of fenced front and back yards, perfect for pets, outdoor activities, or simply relaxing outside. The attached 2-car garage features a metal roof and provides additional parking and storage options. Located in a welcoming neighborhood known for great neighbors who look out for one another, this home offers more than just a place to live — it offers a chance to become part of a wonderful community. The property needs a little TLC and is being sold AS-IS, with no repairs by the seller. Cash or conventional financing only. Priced to sell quickly, this is a great opportunity to find a home with potential in an established neighborhood!

113 Timmy Dr, Whitney

$199,900

2 Beds ⋅ 2 Baths ⋅ 21420107 MLS

Your Lake Whitney Getaway Awaits! Ready to relax and enjoy lakeside living? This unique property in a gated community near Lake Whitney offers comfort, versatility, and incredible extras! Inside, you’ll find 2 spacious bedrooms, 2 full bathrooms, a large kitchen with custom cabinets and quality appliances, and inviting downstairs living areas. Upstairs, discover a huge bonus room with endless possibilities, plus an unfinished 22-foot storage loft. Stay comfortable year-round with zoned mini-split heating and cooling units throughout. Enjoy your morning coffee or unwind on the 11’ x 15’ screened-in front patio, perfect for enjoying the outdoors. Room for Your Vehicles and Toys! The oversized carport accommodates two vehicles, a boat, or a short RV. It also features a charging port, water and sewer hookups, plus an additional open parking space. A Workshop You’ll Love! The impressive 22’ x 10’ powered workshop at the back of the home features both interior and exterior access, making it ideal for hobbies, DIY projects, or extra workspace. Location, Location, Location! Situated at the end of FM 1713 in a gated community near McCown Valley Park, you’ll enjoy access to picnic areas, campgrounds, and a boat ramp to Lake Whitney. Perfect for boating, fishing, camping, or escaping the everyday hustle! Even Better: NO City Taxes! Located outside city limits, this property offers another attractive benefit. Additional Land Included! Survey information indicates the property includes all of Lot 38 plus Lot 28B behind it. Don’t miss this opportunity to own a property offering versatile living spaces, exceptional storage, parking for your recreational vehicles, a workshop, and convenient access to Lake Whitney. Whether you’re searching for a full-time residence or a weekend retreat, this property is ready for its next adventure!

167 Yellowstone Dr, Whitney

$295,000

3 Beds ⋅ 2 Baths ⋅ 21419791 MLS

Lovely new home with DESIGNER upgrades and stunning features. Enter into the OPEN CONCEPT living space. Generously sized family living space with dining room and BEAUTIFULLY DESIGNED kitchen. Elegant WOOD BEAMS and COFFERED CEILINGS. WAINSCOTTED WALLS. Home boasts nice windows for natural light. COOK'S KITCHEN with designer QUARTZ counters and tiled backsplash. LOTS of COUNTERSPACE. UPGRADE appliances which include electric two door stove, microwave and garbage disposal. ROOMY PANTRY with built-in shelves. Private OWNER'S RETREAT with large walk-in closet and luxurious MASTER BATHROOM with OVERSIZED SHOWER. Bathrooms all boast QUARTZ counters and backsplash and tiled showers and tub. CEILING FANS. 12FT doors with impressive WOOD molding. Dedicated MUD ROOM with full size washer and dryer area. Custom storage cabinet for bookbags and shoes. SPACIOUS BACKYARD with oversized covered patio complete with OUTDOOR KITCHEN, GRANITE COUNTER and SINK!!! Backyard rod iron fence provides easy access to COMMUNITY PARK. Basketball count, play ground, swings, play equipment located right out your backyard. No HOA. REMARKABLE HOME, AFFORDABLY PRICED and READY FOR FAMILY FUN.

312 Matthew St, Hillsboro

$278,000

4 Beds ⋅ 2 Baths ⋅ 21416906 MLS

Beautifully Remodeled Home with Modern Upgrades, Pool, and Jacuzzi. Welcome to this beautifully remodeled brick home in Hillsboro, TX! This move-in-ready property features 4 bedrooms and 2 bathrooms, with updates throughout that give it a fresh, like-new feel. The kitchen showcases brand-new white cabinets and granite countertops, creating a clean, modern look. Enjoy relaxing in the jacuzzi or entertaining family and friends by the above-ground swimming pool. Situated on a desirable corner lot, this home also offers a covered front and back porch porch, a covered two-car carport, and additional storage space for added convenience. With its modern updates, inviting outdoor amenities, and stylish finishes, this home is ready for its new owners to enjoy. Don’t miss this wonderful opportunity!

330 Park Dr, Hillsboro

$271,990

4 Beds ⋅ 2 Baths ⋅ 21417620 MLS

Gorgeous new D.R. Horton home in the Somerset community located in Hillsboro and Hillsboro ISD! The single-story Austin floor plan Elevation X, with an estimated Winter completion, offers 4 bedrooms, 2 bathrooms, and a 2-car garage within a thoughtfully designed open-concept layout. The spacious family room flows seamlessly into the dining area and modern kitchen, creating an inviting central gathering space ideal for everyday living and entertaining. The kitchen showcases quartz countertops, 36” upper cabinets with hardware, stainless steel appliances, a gas range, stainless steel sink, a center island, and a large pantry for added storage. The private primary suite features an en-suite bath with a quartz vanity, a 5-foot oversized shower, and a walk-in closet located directly off the bathroom. Three secondary bedrooms share a full bathroom with a quartz vanity top, offering versatile space for family, guests, or a home office. Luxury vinyl plank flooring extends through the main living areas and wet zones for style and easy upkeep. Additional features include energy-efficient construction, America’s Smart Home Technology. Exterior highlights include a landscape package, full sprinkler system with rain sensor, privacy fencing, and more. Somerset is more than a neighborhood-it's a community designed with your future in mind.

807 Somerset Way, Hillsboro

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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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Hill County Homes under $400,000

Newest Hill County Homes under $400,000

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