McKinney Homes under $400,000

Welcome to McKinney, Texas, a charming city that beautifully blends small-town warmth with modern conveniences. Nestled in Collin County, just a short drive from the bustling metropolis of Dallas, McKinney is known for its rich history, vibrant community, and picturesque downtown area. With its tree-lined streets, historic buildings, and delightful local shops, McKinney offers a unique atmosphere that feels both welcoming and sophisticated.

For those seeking an affordable slice of this enchanting city, you'll be pleased to discover a variety of homes available for under $400,000. Whether you're a first-time homebuyer, a growing family, or looking to downsize, McKinney's real estate market has something for everyone. From charming single-family homes to modern townhouses, you'll find properties that cater to diverse tastes and lifestyles.

The community is not just about beautiful homes; it also boasts an array of parks, recreational facilities, and top-rated schools, making it an ideal choice for families. Residents enjoy a strong sense of community, with numerous events and festivals throughout the year that celebrate the city's heritage and bring neighbors together.

With its combination of affordability, quality of life, and proximity to the Dallas-Fort Worth area, McKinney is more than just a place to live—it's a place to thrive. Explore the possibilities of finding your dream home in this vibrant city, where every corner has a story to tell and every neighbor is a friend waiting to be made. Come and experience the charm of McKinney for yourself!

Newest McKinney Homes under $400,000

$370,000

3 Beds ⋅ 3 Baths ⋅ 21426045 MLS

Welcome to 5300 McPherson Lane in the desirable Greens at Stacy Crossing! Built by CB JENI Homes, this beautifully maintained, end-unit townhome offers an abundance of natural light, an inviting open-concept design, and a long list of thoughtful upgrades. Featuring 3 bedrooms, 2.5 bathrooms, two living areas, a dedicated office nook, and a 2-car garage, this home blends comfort, style, and convenience. Hardwood flooring flows throughout the entire first floor, complemented by a neutral color palette, elegant architectural arches, and updated lighting. The spacious kitchen is designed for both everyday living and entertaining, featuring stainless steel Frigidaire appliances, a gas cooktop, upgraded quartz countertops and backsplash, and an oversized island with breakfast bar seating. The open family and dining areas create a seamless flow, while a built-in pocket office provides the perfect spot for working from home or tackling homework. Upstairs, you'll find a versatile loft ideal for a game room, secondary living space, home office, or fitness area. The luxurious primary suite is a true retreat, complete with a spa-inspired ensuite bath featuring dual vanities and an impressive oversized walk-in closet with updated lighting and plenty of room for everything! Additional highlights include an Ecobee smart thermostat, tankless water heater, energy-efficient appliances, updated cabinet hardware, LED overhead lighting, and under-cabinet lighting. The HOA even takes care of the landscaping, making exterior maintenance a breeze! This home is tucked into a charming, quiet neighborhood and zoned to highly sought-after Frisco ISD. Enjoy an exceptional location just minutes from Hwy 121, US-75, and the Dallas North Tollway, with convenient access to major employers, shopping, dining, and entertainment. Bright, beautiful, low-maintenance living in an unbeatable location. This is one you won't want to miss!

5300 Mcpherson Ln, McKinney

$399,000

3 Beds ⋅ 3 Baths ⋅ 21431286 MLS

THIS ONE won't last long!! Discover stylish, low-maintenance living in this beautifully appointed three-bedroom, two-and-a-half-bath smart townhome in Ridge View Villas Townhomes. Soaring living room ceilings and expansive windows fill the open floor plan with natural light, creating a bright and inviting atmosphere. HOA-maintained landscaping means less time on yard work and more time enjoying your weekends. Ideal for everyday living and entertaining, the kitchen flows seamlessly into the living and dining areas. Highlights include granite countertops, white cabinetry, stainless steel appliances, a five-burner gas range, reverse-osmosis water purification system, breakfast bar, and pantry. A conveniently located half bath completes the main level. All three bedrooms, a versatile flex area, and the laundry area are located upstairs. The primary suite features a walk-in closet and a private ensuite bath with dual sinks, linen storage, and an oversized walk-in shower. Two additional bedrooms share a full bath, while the flex area offers space for a home office, reading nook, or additional living area. Smart-home technology and energy-efficient features enhance everyday comfort, while the attached two-car garage, Tesla charger, and stairlift chair add convenience. Zoned to McKinney ISD and conveniently located near State Highway 121 and US-75, this home offers easy access to shopping, dining, and major commuter routes.

3900 Cresthill Dr, McKinney

$310,000

3 Beds ⋅ 2 Baths ⋅ 21431066 MLS

Charming and beautifully updated home offers the perfect blend of character, comfort, and location just minutes from the heart of Downtown McKinney. Tthoughtfully designed living space, this property presents a fantastic opportunity for homeowners, investors, or those seeking a potential short-term rental near one of North Texas’ most vibrant historic districts. Inside, you'll find a bright and inviting layout featuring stylish updates and modern finishes throughout. The spacious living area flows seamlessly into the kitchen, creating a welcoming space for everyday living and entertaining. Three comfortable bedrooms provide flexibility for family, guests, or a home office, while the updated bathrooms add convenience and style. Situated on a manageable lot, the property also features a garage offering additional storage and parking. The location is truly the highlight—just minutes from the charming shops, dining, entertainment, and events that make Downtown McKinney such a beloved destination. Whether you're looking for a move-in ready home or an investment property in a highly desirable area, this residence delivers exceptional value and location in the heart of McKinney.

1105 W White Ave, McKinney

$353,999

4 Beds ⋅ 3 Baths ⋅ 21430927 MLS

New construction Lennar Home - The Garnet Floor Plan - This single-story home has a versatile layout that is great for families who need space. The front door leads to a foyer with three bedrooms and a retreat attached. At the end of the hall is the open living area, which leads to the owner’s suite in the back of the home. Prices, dimensions and features may vary and are subject to change. Photos are for illustrative purposes only.

821 Geoffrey Dr, McKinney

$374,900

3 Beds ⋅ 2 Baths ⋅ 21430917 MLS

RARE single-story, light-filled and updated. 3-bed, 2-bath in Stone Brooke Crossing with an open and bright floor plan, vaulted ceilings and excellent McKinney ISD schools. Updates include luxury vinyl plank flooring throughout and quartz counters. ••• LIVING ••• Vaulted ceilings, a gas fireplace and windows overlooking the backyard flow into the kitchen and dining area. ••• KITCHEN ••• White cabinets, quartz counters, a large island with bar seating, subway tile backsplash and stainless appliances. Dining area with backyard access. ••• PRIMARY SUITE ••• Set apart from the other bedrooms: bay window, dual sinks, soaking tub, separate shower and walk-in closet. ••• BEDROOMS ••• Two additional bedrooms and a full bath on the opposite side of the home. ••• OUTSIDE ••• Fenced backyard with patio, hot tub plugins, and a 2-car garage. ••• NEIGHBORHOOD ••• Community pool, park and walking paths to Adriatica Village and middle school. Close to shopping dining, and quick access to Highways 75, 121 and 380. Find out why people call McKinney one of the best places to live in America.

5425 Pebble Ct, McKinney

$399,900

3 Beds ⋅ 3 Baths ⋅ 21430062 MLS

Welcome home to Fossil Creek at Westridge in highly acclaimed Prosper ISD! This beautifully maintained 3-bedroom, 2.5-bath residence offers a thoughtfully designed floor plan with modern upgrades and plenty of space for comfortable living. The bright and welcoming entry opens to an expansive open-concept living area filled with natural light. The spacious kitchen features abundant counter space, ample cabinetry, and a seamless connection to the family room, complete with a beautiful cast stone fireplace—perfect for entertaining and everyday gatherings. Upstairs, the private primary suite is accompanied by two generously sized secondary bedrooms and a versatile loft that can serve as a game room, home office, or play area. Step outside to the beautifully landscaped backyard, where a covered patio provides the perfect setting for relaxing or entertaining year-round. Enjoy convenient access to parks, shopping, dining, major highways, and wonderful community amenities. Combining comfort, functionality, and an excellent location, this move-in-ready home is a must-see!

9832 Prairie Dog Ln, McKinney

$334,890

3 Beds ⋅ 2 Baths ⋅ 21430463 MLS

Welcome home to this charming ranch-style house tucked away in a quiet cul-de-sac minutes away from the Historic Downtown McKinney. This move-in-ready house combines thoughtful updates and a functional floor plan. The open living room is highlighted by a fireplace, vaulted ceilings and skylights that bring in natural light, with direct access to the private backyard, and plenty of space for a dining or office area. The kitchen features an inviting window seat that provides additional seating for the eat-in dining area, with granite countertops and plenty of cabinet spaces. Master bedroom features an ensuite bathroom with double vanity and spa like tiled shower. Step outside to a peaceful, shaded yard surrounded by mature trees, with a charming front flowerbed adding to the curb appeal, Japanese-style rain chains adding a distinctive architectural touch, while partially mulched areas help keep the landscaping easier to maintain. It’s an inviting outdoor setting perfect for relaxing and entertaining. The house is located within McKinney ISD and conveniently positioned near highway, shopping, dining, parks, this home offers a great balance of neighborhood charm and everyday convenience. No HOA. Don’t miss your chance to make this McKinney gem your next home or Airbnb investment property!

1304c Coleman, McKinney

$379,000

3 Beds ⋅ 2 Baths ⋅ 21430201 MLS

Beautifully maintained, thoughtfully designed, and ideally located in McKinney's highly sought-after Frisco ISD, this charming home offers the perfect combination of style, comfort, and value! Featuring 3 bedrooms, 2 baths, a private study, and two dining areas, this light-filled home welcomes you with an inviting floor plan, beautiful wood flooring, and designer touches throughout. The spacious living room features a stunning designer fireplace and flows seamlessly into the kitchen and dining areas, creating an ideal setting for everyday living and entertaining with easy access to the outdoor patio. The spacious newly remodeled kitchen showcases designer light wood cabinetry, crisp white countertops, stylish backsplash, stainless steel appliances, gas cooktop, breakfast bar, and a charming breakfast nook. A private study with built-in cabinetry provides the perfect space for working from home. The generous primary suite features wood flooring, a beautiful bay window, and an ensuite bath complete with a soaking tub, separate shower, dual sinks, and a seated vanity. Two additional bedrooms and a full bath offer flexibility for family or guests. Enjoy community amenities including a pool, playgrounds, walking trails, and abundant open space. Ideally located near Highway 380, Westridge Golf Course, shopping, dining, hospitals, and community parks. No MUD or PID! New Roof. An exceptional opportunity at an attractive price point. Don't miss this one!

9300 Regal Oaks Dr, McKinney

$379,900

3 Beds ⋅ 2 Baths ⋅ 21430125 MLS

$10,000 allowance for flooring and paint. Location is KEY and this home unlocks the pathway to convenience and ease. Within walking distance to Lindsey Elementary, steps away from the community pool and playground, and a hop away from the Sam Rayburn Tollway... the quick commutes will add quality to every day living. A truly wonderful one story floorplan welcomes you home and has gracious space for family and friends. Upon entry, the open Flex Space, currently used as an Office, would make a great Dining Area or second Living Area. The Open area includes a spacious Kitchen with a Breakfast Bar for extra seating, wall inserted Microwave and Oven, Gas Cooktop, and tons of countertop space, cabinets and walkin pantry. A step away is the perfectly placed Breakfast Area. Both the Kitchen and Breakfast Area open to the spacious Living Area, including a Fireplace, which is the perfect gathering space for family and friends. The split Bedroom arrangement offers quiet and privacy. Retreat to the spacious Primary Suite which has a Separate Shower, Garden Tub, dual sinks and large walkin closet. Both secondary Bedrooms are nicely sized, have ceiling fans and walkin closets. The appeal of the cute covered front porch and the large backyard is an invitation to outdoor living. The quiet tucked away street allows for a peaceful homesite while surrounded by a vibrant community including the community playground... perfect for the kids and dogs... and community pool... needed to survive the Texas heat! Bring your creative vision while you picture your choice of flooring and paint colors as the seller is offering an allowance to assist with making this your dream home. 4505 River Crossing has all the KEYS... location, ease of access, quality of everyday living. Come see it, fall in love, and unlock the doors to happy living. The buyer friendly price point and allowances offered reflect the replacement costs for new flooring and paint.

4505 River Xing, McKinney

$390,000

3 Beds ⋅ 3 Baths ⋅ 21430087 MLS

Welcome to 2624 Terrace Drive, where thoughtful updates, inviting spaces, and an incredible floorplan come together to create a home you will fall in love with! Meticulously maintained and beautifully updated, this home offers the perfect combination of style, comfort, and functionality. Step inside to discover updated flooring, designer lighting, and a wonderful open layout designed for both everyday living and entertaining. The completely remodeled kitchen is truly the heart of the home, featuring beautiful custom cabinetry, gorgeous quartz countertops, a custom backsplash, updated appliances, and a spacious island perfect for gathering with family and friends. The adjoining breakfast area overlooks the inviting family room and expansive backyard, creating a seamless connection between indoor and outdoor living. A dedicated downstairs study provides the perfect space for working from home or enjoying a quiet retreat. Upstairs, the oversized primary suite offers a relaxing escape, while two additional generously sized bedrooms provide plenty of room for everyone. The spacious upstairs game room has been transformed into an incredible media experience, perfect for movie nights, watching the big game, or entertaining! Step outside and discover an exceptional backyard with room to play, garden, entertain, or simply unwind. The custom covered patio creates a wonderful outdoor living space, ideal for weekend cookouts and evenings with friends. Additional updates include beautifully refreshed bathrooms, updated lighting, and flooring throughout. With 3 bedrooms, a dedicated study, 2.5 bathrooms, a 2-car garage, and a fantastic McKinney location convenient to shopping, dining, and entertainment, this home checks all the boxes! Beautifully updated, lovingly maintained, and completely move-in ready, this is one you won't want to miss!

2624 Terrace Dr, McKinney

$365,000

3 Beds ⋅ 2 Baths ⋅ 21428010 MLS

This charming updated 3-bedroom, 2-bath ranch-style home has so much to offer! The welcoming floor plan keeps the kitchen, dining, and living areas connected, with a fireplace for those chilly Texas evenings. Updated flooring, fresh paint, new quartz kitchen countertops give the home a fresh look. A new roof, gutters, and fence are already taken care of, too! Mckinney ISD and great location. Enjoy the community pool, greenbelt, jogging path, and park—all close to home. Come take a look and move in before the holidays!

6017 Sidney Ln, McKinney

$399,000

4 Beds ⋅ 3 Baths ⋅ 21429913 MLS

MOTIVATED SELLER – PRICE REDUCED. Just steps from Historic Downtown McKinney Square, 503 Smith offers a rare opportunity to own a fully renovated 1950s home with residential and commercial zoning: perfect for a walkable lifestyle and a flexible live-work setup. Taken down to the studs and thoughtfully rebuilt, this property blends original character with modern updates. The open-concept floor plan features cedar beams and a spacious living area filled with natural light. The kitchen includes stainless steel appliances, gas range, oversized island with seating, walk-in pantry, built-in desk or coffee bar, and updated finishes. The home offers 4 bedrooms and 3 full bathrooms, including two primary suites, providing versatile options for multi-generational living, guests, or dedicated workspace. Situated on a versatile lot with no HOA, this move-in ready property is conveniently located within walking distance to shopping, dining, and community events. Schedule a showing to explore the possibilities 503 Smith offers.

503 Smith St, McKinney

Start Your Search

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.

Last updated:

McKinney Homes under $400,000

Newest McKinney Homes under $400,000

How much is your home worth?

How much is your home worth?