Can you buy a new construction home in Austin for under $300,000 in 2026?

Yes. There are hundreds of new homes under $300,000 across the Austin metro, concentrated in outer and eastern suburbs like Elgin, Kyle, Jarrell, San Marcos, Buda, and Hutto. Most are townhomes and smaller single-family homes from national builders.

What do you get in a new Austin home under $300,000?

Typically a 3 to 4 bedroom townhome or smaller single-family home, roughly 1,200 to 1,800 square feet, in an outer suburb. Builder rate buydowns and closing-cost incentives are common at this price point.

Do affordable new homes near Austin have high property taxes?

Often, yes. Many affordable new communities are financed through a MUD or PID that adds to the tax bill, pushing combined rates above 2.3 percent. Always compare the all-in monthly cost, taxes included, before deciding one suburb is cheaper than another.

Is buyer representation free on an under-$300,000 new build?

Yes. On new construction the builder pays the buyer agent's commission, so having Luke represent you costs you nothing and puts an advocate on your side of the builder's contract.

A leafy, tree-canopied master-planned community street at golden hour near Austin, Texas

New Homes by Budget

New Construction Homes Under $300,000 in Austin

Where to actually find new construction under $300,000 across the Austin metro, with live listings, the suburbs that fit this budget, and the honest tradeoffs. Free buyer representation, since the builder pays.

Talk to Luke Call or text 254-718-2567

The short answer

Yes, you can still buy a brand-new home in the Austin metro for under $300,000 in 2026, and there are more of them than most buyers expect. The catch is location: sub-$300,000 new construction is concentrated in the outer and eastern suburbs, and most of it is townhomes and smaller-lot single-family homes rather than large lots close to the city. If you are flexible on commute, this is the most affordable way into a new build with a builder warranty and current rate incentives.

As of 2026, the deepest sub-$300,000 new-home inventory sits in Elgin, Maxwell, Kyle, Jarrell, San Marcos, Buda, Hutto, Bastrop, Manor, and Taylor, mostly east and south of Austin along US-290, SH-130, and I-35.

Live from the MLS

706 new homes under $300,000

Search all under $300,000on the map →

New Construction

$157,080

7051 Meadow Lake Blvd #9302, Austin 78744

2 bd · 2 ba · 1,024 sf

New Construction

$179,990

220 Winnowing Ln, Elgin 78621

2 bd · 3 ba · 1,072 sf

New Construction

$182,910

619 Pond View Dr, Elgin 78621

2 bd · 3 ba · 1,072 sf

New Construction

$182,999

225 Trinity River Holw, San Marcos 78666

4 bd · 2 ba · 1,500 sf

New Construction

$182,999

213 Trinity River Holw, San Marcos 78666

4 bd · 2 ba · 1,500 sf

New Construction

$185,000

181 B HARRISON Xing, Uhland 78640

2 bd · 2 ba · 995 sf

New Construction

$186,999

336 Navidad River Dr, San Marcos 78666

4 bd · 2 ba · 1,500 sf

New Construction

$188,110

615 Pond View Dr, Elgin 78621

2 bd · 3 ba · 1,088 sf

New Construction

$195,999

217 Trinity River Holw, San Marcos 78666

4 bd · 3 ba · 1,802 sf

Search homes under $300,000

Where to look

Austin suburbs with new homes under $300,000

Start with these suburb guides. Each pulls its own live inventory and lays out schools, taxes, commute, and the honest tradeoffs.

Kyle

Hays Co.

South of Austin along I-35

Kyle new homes

Buda

Hays Co.

South of Austin along I-35

Buda new homes

Hutto

Williamson Co.

Northeast of Austin

Hutto new homes

Pflugerville

Travis Co.

Northeast of Austin

Pflugerville new homes

What this budget buys

A new home under $300,000, honestly

At this price in 2026 you are generally looking at 3 to 4 bedroom townhomes and smaller single-family homes, roughly 1,200 to 1,800 square feet, from national builders competing hard on price. Builder rate buydowns and closing-cost help are common, which can make the monthly payment more affordable than the sticker suggests.

The tradeoffs

What to weigh

Longer commutes, since most sub-$300,000 new homes are in outer suburbs 25 to 40 miles from downtown Austin
Smaller homes and lots, and a higher share of townhomes and attached product
Many of these communities carry MUD or PID taxes that push the combined rate above 2.3 percent
Newer, farther-out sections often have little mature tree cover and active construction nearby

On your side of the table

How to get the most home under $300,000

+Compare the all-in monthly cost including MUD and PID taxes, not just the base price, since a cheaper home in a high-tax district can cost more per month
+Ask for the builder's current rate buydown and closing-cost incentives in writing, and let builders compete
+Register your buyer representation before you tour, so it stays free and you have an advocate on the contract
+Look one suburb farther out for the same home at a lower price, then weigh the commute honestly

On new construction the builder pays your representation, so all of this costs you nothing. Updated August 6, 2026.

Good to know

New homes under $300,000, answered

Can you buy a new construction home in Austin for under $300,000 in 2026?: Yes. There are hundreds of new homes under $300,000 across the Austin metro, concentrated in outer and eastern suburbs like Elgin, Kyle, Jarrell, San Marcos, Buda, and Hutto. Most are townhomes and smaller single-family homes from national builders.
Where are the most affordable new homes near Austin?: The most affordable new construction is generally east and south of Austin: Elgin, Maxwell, Kyle, Jarrell, San Marcos, Buda, Hutto, Bastrop, Manor, and Taylor. These trade a longer commute for a materially lower price.
What do you get in a new Austin home under $300,000?: Typically a 3 to 4 bedroom townhome or smaller single-family home, roughly 1,200 to 1,800 square feet, in an outer suburb. Builder rate buydowns and closing-cost incentives are common at this price point.
Do affordable new homes near Austin have high property taxes?: Often, yes. Many affordable new communities are financed through a MUD or PID that adds to the tax bill, pushing combined rates above 2.3 percent. Always compare the all-in monthly cost, taxes included, before deciding one suburb is cheaper than another.
Is buyer representation free on an under-$300,000 new build?: Yes. On new construction the builder pays the buyer agent's commission, so having Luke represent you costs you nothing and puts an advocate on your side of the builder's contract.

Keep exploring

Free buyer representation

Looking for a new home under $300,000?

Tell Luke your budget and must-haves and he will send the best new-construction matches under $300,000, register your free representation, and flag the real all-in cost including taxes before you tour.

Luke Allen

Licensed Texas REALTOR, TREC #788149

Austin Marketing + Development Group

Call 254-718-2567 Text Luke