McKinney Homes under $400,000

Welcome to McKinney, Texas, a vibrant city nestled in the heart of Collin County, just a stone’s throw from the bustling metropolis of Dallas. Known for its rich history, charming downtown area, and a warm sense of community, McKinney offers residents a perfect blend of small-town charm and modern convenience. With a population that continues to grow, this thriving city is recognized for its top-rated schools, beautiful parks, and an array of local events that bring neighbors together.

For homebuyers seeking affordability without compromising on quality of life, McKinney is an ideal destination. The real estate market here boasts a variety of homes priced under $400,000, making it accessible for first-time buyers, families, and investors alike. These homes often feature spacious layouts, modern amenities, and beautiful yards, providing a perfect canvas for creating lasting memories.

Imagine living just minutes away from historic downtown McKinney, where you can enjoy delightful restaurants, boutique shopping, and seasonal festivals that celebrate the community's unique spirit. With numerous parks and recreational facilities, outdoor enthusiasts will find plenty of opportunities for hiking, biking, and enjoying nature.

In McKinney, you’re not just buying a home; you’re investing in a lifestyle. With its friendly atmosphere, excellent schools, and a variety of homes under $400,000, this city truly embodies the essence of Texas living. Come explore McKinney and discover the perfect place to call home!

Newest McKinney Homes under $400,000

$319,900

2 Beds ⋅ 3 Baths ⋅ 21408691 MLS

Beautifully updated Townhome in Hemmingway at Craig Ranch. This home is in spectacular condition and features an enormous primary bedroom with vaulted ceilings and direct access to the private 2nd Floor Balcony. Primary bedroom suite includes a lovely ensuite bathroom and huge 19 Foot Walk-In Closet. Second bedroom includes an ensuite bathroom and both bedrooms have easy access to the separate full-sized walk-in utility room. Upon entering this home you will be impressed with the wide-open floorplan featuring a Grand Living Room, fireplace with easy start gas logs, beautiful crown molding, hardwood flooring, versatile dining room area and soaring ceilings. The well-appointed kitchen includes full sized dining bar, 8-Foot Walk-In Pantry, granite counter tops, generous 42-Inch Cabinets, stainless appliances and the refrigerator is include with an acceptable offer. The microwave, water heater and garage door opener were recently updated. The covered stone accented front patio extends entertainment options and is an excellent relaxation zone. The HOA maintains the front yard, exterior structure and common areas. Residents have full use of the HOA facilities including the community pool, parks and clubhouse. This home is a very short walk to the community mailboxes, pool and clubhouse. This one is ready to move in and the seller's can accommodate a quick closing! Craig Ranch is a popular community located in McKinney, Texas which features a preserved and lively 19th-century historic downtown, a booming economy, top-rated schools, and extensive parks, all while sitting just 30 miles north of Dallas. Don't miss this awesome opportunity to own a great home and enjoy the wonderful lifestyle provided by this community.

8617 Trolley Trl, McKinney

$295,000

3 Beds ⋅ 2 Baths ⋅ 21407558 MLS

Welcome to this charming single-story home in the established Standifer Place community of McKinney! Offering 3 bedrooms, 2 full bathrooms, and 1,364 square feet of comfortable living space, this home features a thoughtfully designed split-bedroom floor plan that provides excellent privacy, with the primary suite separated from the two secondary bedrooms. The inviting living area flows into a bright kitchen featuring white cabinetry and a dining room overlooking the beautiful backyard. The spacious primary suite features a large window with peaceful backyard views, a private bathroom, and a walk-in closet. NO CARPET!! Enjoy carpet-free flooring throughout for easy cleaning and low-maintenance living, plus a roof that's approximately four years old! ROOF WARRANTY is available! Enjoy the fully fenced backyard with no rear neighbors, offering added privacy and a peaceful setting for outdoor relaxation and entertaining. Complete with an attached two-car garage, this home is conveniently located just minutes from Historic Downtown McKinney, with its charming shops, restaurants, and entertainment, and offers easy access to Highway 75. Zoned to McKinney ISD, this move-in-ready home is an excellent opportunity for first-time buyers, down-sizers, or investors. Schedule your private showing today!

417 Joyce Way, McKinney

$329,500

3 Beds ⋅ 2 Baths ⋅ 21396985 MLS

Impeccably Maintained One-Story Home! $5500 UNDER recent independent appraisal! Welcome home to this beautiful 3-bedroom, 2-bath residence offering an inviting open floorplan, thoughtful updates, and comfortable living throughout. The spacious living area flows seamlessly into the kitchen and dining area, creating an ideal layout for everyday living and entertaining. The kitchen and both bathrooms feature granite countertops, while the dining area is conveniently positioned just off the kitchen. The private primary suite includes an ensuite bath with a large garden tub with shower, walk-in closet, and separate linen closet. Two additional bedrooms offer generous closet space and flexibility for guests, a home office, or other needs. A spacious utility room provides convenient storage shelving, while the oversized 2-car garage offers additional storage and functionality. Outside, enjoy the beautifully maintained lawn, charming curb appeal, and a covered patio accented with café lights—perfect for outdoor dining, relaxing, or enjoying peaceful Texas evenings. A large storage shed provides plenty of room for tools, equipment, and seasonal items. Additional features include low-E windows, plantation shutters at the front of the home, storm door and new water heater. Conveniently located near shopping, parks, highways, and highly regarded schools, this well-cared-for home offers the perfect combination of comfort, functionality, and convenience. A wonderful opportunity to enjoy McKinney living in a home that is truly move-in ready!

2109 Lilac Cir, McKinney

$399,000

2 Beds ⋅ 2 Baths ⋅ 21399038 MLS

Loaded with character, this move in ready single-story duplex backs to a farmland and is in a sought after 55+ active adult community! Rare opportunity for those that want to own both sides as the other side is also for sale. Country Lane Villas is a vibrant neighborhood that provides a comfortable, low-maintenance living with convenience to shopping, restaurants, senior center, Medical City McKinney hospital, the historic McKinney square and a year round farmers market. The spacious kitchen features a breakfast bar, beautiful wood cabinetry, granite countertops, stainless steel appliances including a refrigerator & microwave, and a built-in workspace that is perfect for daily organization. Enjoy morning coffee in the sunroom situated just off the breakfast area. The open-concept floor plan features vaulted ceilings with an abundance of windows to take in picturesque views of open space with numerous trees and a barn. The primary suite includes wide doorways for accessibility and a spacious bathroom with a separate shower. The secondary bedroom and additional full bath provide plenty of space for guests or hobbies. The large laundry room is complete with a washer and dryer, built-in shelving, and a drip dry area. The active community offers outstanding amenities: a fitness center, community pool, clubhouse with dining, game room, bocce ball court, shuffleboard, coffee shop, movie theater, library, and a calendar full of events with a social director, free concerts and dancing. The HOA covers front and backyard maintenance, flower bed landscaping, structure insurance which includes the roof, interior and exterior pest control, and sprinkler system maintenance—providing truly hassle-free living.

320 Terra Verde Ln, McKinney

$385,000

3 Beds ⋅ 2 Baths ⋅ 21404281 MLS

Welcome to 5825 Quicksilver, a beautifully refreshed 3-bedroom, 2-bath home in McKinney’s established Brookstone neighborhood and zoned to highly sought-after Frisco ISD. If you’re looking for a move-in ready home in McKinney with an updated kitchen, comfortable single-story living, and convenient access to shopping, dining, and recreation, this one checks so many boxes. Inside, fresh paint, new carpet, and engineered flooring throughout the main living areas give the home a clean, updated feel. The kitchen has been beautifully refreshed with painted cabinetry, quartz countertops, a farmhouse sink, and newer appliances, creating a bright and welcoming space that flows easily into the living and dining areas. Several of the big-ticket improvements have already been completed, including an HVAC system replaced approximately two years ago, a newer roof, updated front and back doors, and blinds throughout the home. These thoughtful updates make this home easy to settle into and enjoy without immediately taking on a long list of projects. The Brookstone location is another highlight. Enjoy being close to Gabe Nesbitt Community Park and the Apex Centre, with trails, sports fields, tennis, pickleball, fitness, and aquatics nearby. Adriatica Village and the dining, shopping, and entertainment options around SH 121 are also just a short drive away. With 3 bedrooms, 2 full baths, an updated kitchen, newer flooring, fresh paint, major system improvements, Frisco ISD schools, and a desirable McKinney location, 5825 Quicksilver offers the combination today’s buyers are looking for—comfort, updates, convenience, and a home that feels ready from day one.

5825 Quicksilver Dr, McKinney

$375,000

3 Beds ⋅ 2 Baths ⋅ 21395154 MLS

OPEN HOUSE! SUNDAY, OCTOBER 11 FROM 2 TO 4PM. Location, location, location! Welcome to 1111 Hyde Park Drive, a beautiful McKinney home with a pool, just a short walk from Towne Lake Park and Finch Park, and minutes from historic downtown McKinney! This fabulous 3-bedroom, 2-bath home features luxury vinyl plank flooring throughout the living, dining, kitchen, bedrooms, and bathrooms, creating a cohesive look throughout. As you enter, you’ll find a spacious living area with a large window overlooking the backyard and pool, along with a stunning white-painted brick fireplace that flows into the dining area and kitchen. The kitchen features painted cabinetry with ample storage, stainless steel appliances, a vaulted ceiling, and a breakfast bar, perfect for enjoying your morning coffee! The first secondary bedroom offers a large window for plenty of natural light and two closets, while the second features stylish updates and ample closet storage. The stunning secondary bath boasts a beautiful tub and shower with wavy tile, giving it a spa-like feel, along with granite countertops, a large mirror, and an updated vanity. The primary bedroom offers backyard views, natural light, and wainscoting. The ensuite bath features a large walk-in shower with wavy tile and a spacious walk-in closet. Step outside to the backyard, where you’ll find a large, freshly painted pool and plenty of patio and pool deck space. The fully fenced yard also features a grassy lawn and a pebble sitting area, perfect for enjoying cool fall evenings! The single-door garage accommodates 2 vehicles with plenty of room for a freezer or additional storage. Recent updates include a fresh exterior paint on October 7th, 2026, new water heater in 2025, new HVAC in 2024, and a new garage door opener installed in September 2026. Don’t miss this opportunity to own a charming home in the perfect location!

1111 Hyde Park Dr, McKinney

$399,800

4 Beds ⋅ 4 Baths ⋅ 21407252 MLS

Bright, welcoming two-story home located in McKinney’s desirable Preserve at Honey Creek community. Featuring an open-concept layout with just over 2,497 sq. ft. of living space, the interior is designed for easy everyday living and entertaining. The main living room flows seamlessly into a contemporary kitchen equipped with a gas range, generous cabinet storage and a center island. Situated just off the foyer is a versatile flex room - ideal for a dedicated home office, formal dining area or media space. The private primary suite is tucked away at the back of the home, complete with an en-suite bath and a spacious walk-in closet. Three additional bedrooms and a full secondary bath offer plenty of room for family and guests. Don’t miss amazing loft or mediaroom upstairs, with its half bathroom. Outside, the property features a covered back porch with a fenced backyard ready for play, pets, and outdoor dining. Conveniently located near US-75, HWY 380, and zoned to top McKinney ISD schools. Move-in ready!

7300 Black Cherry Ln, McKinney

$382,999

4 Beds ⋅ 3 Baths ⋅ 21406925 MLS

New construction Lennar Home - The Rosso Floor Plan. This single-story home has everything the modern family needs with three bedrooms at the front of the home and an owner’s suite in the back, for added privacy. There is an open concept living area in the center with a back patio, as well as a flexible study down the hall. Prices, dimensions and features may vary and are subject to change. Photos are for illustrative purposes only.

817 Geoffrey Dr, McKinney

$360,000

3 Beds ⋅ 2 Baths ⋅ 21398931 MLS

Beautifully renovated in 2026, this single-story 3-bedroom, 2-bath McKinney home is loaded with upgrades and truly move-in ready! The open, light-filled floor plan flows seamlessly to a cedar arbor, creating an ideal setting for indoor-outdoor living and entertaining. Recent updates include durable LVP flooring, granite countertops, and stainless steel appliances, giving the home a fresh, modern feel, and the refrigerator is included! Freshly painted inside and out, the home also offers peace of mind with a root barrier and foundation watering system installed in 2026. A two-car garage provides ample parking and storage. NOTE the kitchen is shown as-is and a microwave will be installed above the stove soon. Enjoy NO HOA and a prime location with easy access to shopping, dining, and major highways including US-75, SH-121, and Sam Rayburn Tollway offering the best of both worlds: comfort and convenience. Don't miss this one. Schedule your tour today

924 Inland Ln, McKinney

$334,900

3 Beds ⋅ 2 Baths ⋅ 21403727 MLS

Discover this charming 3-bedroom, 2-bath home in McKinney, thoughtfully refreshed and ready for its new owners! Recent updates include new carpet and fresh interior paint. The comfortable, functional floor plan makes everyday living easy. As an added bonus, the home features fully paid-off solar panels, providing the potential for energy savings with no solar loan to assume! Conveniently located just minutes from Highway 75, US 380, and SH 121, with easy access to dining, shopping, and everything McKinney has to offer. Move-in ready and fully updated, this McKinney home is one you will not want to miss!

2616 Emerald Ln, McKinney

$365,000

3 Beds ⋅ 2 Baths ⋅ 21406058 MLS

Fresh, modern and completely move-in ready—2327 N Ridge proves an established McKinney home can have a whole new attitude. Step inside to a bright, updated interior featuring today's clean neutral colors, warm wood-look flooring and a light, airy feel that carries throughout the home. Vaulted ceilings add to the sense of space, while the living room fireplace brings just the right amount of cozy. The updated kitchen keeps things fresh and functional with granite countertops, generous cabinetry, breakfast bar and eat-in dining space. But wait until you see the primary suite. The oversized primary bedroom leads to a beautifully updated bath with a modern vanity, dual sinks, separate shower, garden tub and walk-in closet—a serious standout in this home. With 3 bedrooms, 2 full baths and 1,467 SF, the floor plan packs a lot into an easy-to-maintain footprint. Matrix And when it's time to get outside, the North Brook location delivers. Enjoy nearby soccer fields, splash pad, playground and trails, plus convenient access to Hwy 75, shopping, dining and everything McKinney. No renovation list. No dated color palette. No “we'll get to that later.” Just a fresh, updated home that's ready for you to move in and start living.

2327 N Ridge Rd, McKinney

$275,000

4 Beds ⋅ 2 Baths ⋅ 21398083 MLS

Bring the vision! The big-ticket work has already begun. 2718 High Pointe Boulevard offers a rare opportunity for the buyer who would rather create than compromise. This single-story McKinney home is ready for its next chapter and is being offered as a rehab opportunity with several significant property improvements already completed. The foundation was repaired in February 2026, major plumbing repairs were completed in May 2026, water heater was replaced in February 2026, dishwasher March 2024 and oven range September 2024. The roof was replaced in July 2017. With some of the less glamorous and potentially costly projects already addressed, the opportunity now shifts to the part buyers and investors can get excited about: reimagining the interior and bringing the home back to life. Whether you're an investor searching for your next renovation, a buyer wanting to build sweat equity, or someone looking for a home you can redesign around your own style, this property offers a compelling starting point. Located in an established McKinney neighborhood with convenient access to US-75 and US-380 and near McKinney North High School, shopping, dining, employment centers, and all that McKinney has to offer. The bones are here. The major work has started. Now bring the design plan and finish the story.

2718 High Pointe Blvd, McKinney

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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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