What $300K Buys You in the Texas Housing Market (2025)

Quick Answer: What $300K Buys in Texas in 2025

• Dallas–Fort Worth: 2–3 bed / 2 bath brick single-family (’90s builds) or townhomes, ~1,300–1,700 sq. ft. in Cedar Hill, Garland, Mesquite, South Dallas; HOA sometimes (esp. Collin & Denton).

• Houston: Renovated older single-family homes, typically 3/2 at ~1,500–1,800 sq. ft. in Spring Branch, Pasadena, North Houston; HOA sometimes (outer suburbs).

• Austin: Condos/small fixer-uppers or outer-suburb single-family, 1–2 beds / 1–2 baths, ~800–1,200 sq. ft. in Manor, Del Valle, Pflugerville; HOA often (condos/newer builds).

• San Antonio: 2000s-era single-family, 3–4 beds / 2 baths, ~1,400–2,000 sq. ft. in Converse, Live Oak, Far West Side; HOA uncommon.

• Smaller Texas metros: Often larger or newer single-family options than the big 4; HOA less common (varies by city/neighborhood).

The Texas housing market has long been a magnet for first-time buyers, relocators, and investors alike, thanks to its no-income-tax policy, strong job growth, and relatively affordable housing (especially compared to coastal states). But with inflation, shifting mortgage rates, and a cooling market post-2021, one big question remains: What does $300,000 buy you in Texas today?

Whether you're house-hunting in Dallas, Houston, Austin, or San Antonio, or considering your first FHA mortgage, this guide from AsertaLoans breaks it all down.

What $300K Buys You in Major Texas Metros (Comparison Table)

Metro	Typical Property Type at $300K	Beds/Baths & Approx. Size	Example Areas	HOA Likely?
Dallas	Brick single-family homes, 90s builds, townhomes	2–3 beds / 2 baths, 1,300–1,700 sq. ft.	Cedar Hill, Garland, Mesquite, South Dallas	Sometimes (esp. in Collin & Denton County)
Houston	Renovated single-family homes, older builds	3 beds / 2 baths, 1,500–1,800 sq. ft.	Spring Branch, Pasadena, North Houston	Sometimes (esp. in outer suburbs)
Austin	Condos, small fixer-uppers, outer-suburb homes	1–2 beds / 1–2 baths, 800–1,200 sq. ft.	Manor, Del Valle, Pflugerville	Often (condos, newer builds)
San Antonio	2000s-era single-family homes, family-oriented	3–4 beds / 2 baths, 1,400–2,000 sq. ft.	Converse, Live Oak, Far West Side	Uncommon

Note

HOA fees are more common in newer developments and condos. Always check the listing fine print when budgeting your monthly costs.

Why $300K Matters in Texas

A $300,000 price tag sits near the state’s median home price. It's also a typical budget for FHA buyers, especially couples aged 35–56. But what you get for that money can vary dramatically depending on where in Texas you're looking and whether you're buying a new construction, a fixer-upper, or a condo.

According to the Texas Real Estate Research Center, the statewide median home price in Q3 2025 is approximately $312,000, making $300K a very realistic and competitive budget for most buyers.

How Far Does $300K Go in Major Texas Cities?

Let’s explore what $300K can get you in different regions of the Lone Star State, based on current listings and real estate market data from Q4 2025.

Dallas: A Strong Mix of Options

• Typical Buy: 2–3 bedroom single-family homes (1,300–1,700 sq. ft.)

• Neighborhoods to Watch: Cedar Hill, Garland, South Dallas

• Property Types: Brick ranch homes, 90s builds, some modern townhomes

You’ll find plenty of FHA-approved homes around the $280K–$310K mark in Dallas County. Whereas Dallas proper might be a bit higher than average, in suburbs like Mesquite or Duncanville, you might score a larger lot or a recent renovation. If you're aiming for a Dallas mortgage loan, your dollar still goes relatively far, especially compared to Austin.

Houston: Best Value per Square Foot

• Typical Buy: 3-bedroom homes, 1,500–1,800 sq. ft., often updated

• Neighborhoods to Watch: Spring Branch, Pasadena, Alief, North Houston

• Property Types: Single-family homes, 1970s–1990s, often renovated

Houston offers the best bang for your buck in metro Texas. For $300K, you might land a fully remodeled 3-bed, 2-bath, especially outside the Loop. There’s also a strong supply of homes that qualify for Texas FHA mortgages, making Houston ideal for first-time buyers.

Austin: The Pricey Tech Hub

• Typical Buy: 1-bedroom condos, smaller fixer-uppers, or homes 30+ mins from downtown

• Neighborhoods to Watch: Manor, Del Valle, Pflugerville

• Property Types: Condos, older homes needing updates

Austin is where $300K stretches the least. Still, in outer areas, you'll find newer builds or entry-level townhomes with modern amenities. FHA-friendly condos are increasingly common, and Austin mortgage loan approvals have remained strong with our lender network despite rising interest rates.

San Antonio: Sweet Spot for FHA Buyers

• Typical Buy: 3–4 bedroom homes, 1,400–2,000 sq. ft.

• Neighborhoods to Watch: Converse, Live Oak, Far West Side

• Property Types: 2000s construction, family-sized homes

San Antonio often prices below Dallas and Austin; a $300K budget can reach move-in-ready single-family homes in many ZIP codes. For many homebuyers in Bexar County, San Antonio offers the most family-friendly homes in the $275K–$300K range. There’s a strong supply of FHA-compliant properties, and most neighborhoods offer lower property taxes than in Houston or Austin.

Key Factors That Influence What $300K Buys

1. Location, Location, Location

Texas is big. Prices can vary wildly, $300 in Houston gets you a yard and 1,800 sq. ft., while in Austin, it may only stretch to a condo.

2. HOA Fees

In some areas (especially condos or master-planned communities), monthly homeowners association (HOA) fees can eat into your budget. Always factor these into your mortgage pre-approval.

3. School District

Better-rated school districts tend to command higher prices, even for similar square footage. In areas like Frisco or The Woodlands, you’ll get less home for the money.

4. Age and Condition of Property

Renovated homes with newer HVAC systems, roofs, or energy-efficient windows tend to sell for higher prices. Older homes may need repairs, which should be factored into your closing costs.

Should You Use an FHA Loan for a $300K Home?

Absolutely, FHA loans are perfect for buyers who:

• Have a credit score of 580+

• Want to put as little as 3.5% down

• Are you purchasing a primary residence

FHA limits vary by county, but most Texas metro areas (Dallas, Houston, San Antonio, Austin) fall well within the FHA purchase limit for a single-family home, which is $498,257 in 2025.

Learn more: Texas FHA Mortgage options with AsertaLoans

How to Get Pre-Approved for a $300K Mortgage in Texas

Step	What to Expect
1. Apply Online	Fill out a short pre-approval application
2. Submit Docs	Recent pay stubs, tax returns, and credit checks
Get a Pre-Approval Letter	Use your pre-approval to shop for homes up to $300K confidently

We’ll walk you through everything, from comparing rates to locking in a Federal Housing Administration (FHA) or conventional option.

Should You Buy Now, or Wait?

Here’s what we’re seeing:

Rates Are Stabilizing

Mortgage rates in Texas hovered between 6.7 and 7.1% in Q4 2025.

Inventory Is Improving in Texas

Inventory improved in 2025, giving buyers more choice and slightly more time to make a decision.

Price Growth Has Slowed

Gone are the 20% year-over-year spikes of 2021–2022.

If you’re financially ready, now is actually a strong time to buy, especially with guidance from a knowledgeable mortgage broker in Texas.

Where to Start If You're Relocating to Texas

Whether you're coming from California or another high-cost state, here’s how to make your move smoother:

• Use a mortgage broker (like AsertaLoans) to get multiple loan offers, not just one bank's rate.

• Focus on FHA-eligible homes to keep down payments low.

• Ask us about property taxes; they’re higher than in other states, but there’s no state income tax.

• Search in cities where your $300K stretches further, such as San Antonio, Houston, and Dallas suburbs, are ideal.

Your Mortgage, Your Market

A $300,000 budget still goes far in Texas, especially with the proper mortgage guidance. Whether you're drawn to the family homes in San Antonio, the space in Houston, or the suburbs around Dallas.

Let us guide you through:

• Texas FHA mortgage options

• Conventional or VA loan comparisons

• Rate locks and lender negotiations

• Refinancing if you already own in Texas

Ready to Explore What You Can Afford?

Talk to a Mortgage Broker That Gets Texas

At AsertaLoans, we do more than connect you with a lender. We help you shop smarter, buy with confidence, and understand your real options in today’s market.

Start Your Mortgage Application Today and Visit Our Blog for More Tips.

FAQ

Q: How much of a home does $300K get me in Texas?

A: About 2–3 bed single-family in DFW (~1,300–1,700 sq. ft.) or Houston (~1,500–1,800 sq. ft. older/renovated). In San Antonio, often 3–4 bed (~1,400–2,000 sq. ft.). In Austin, typically condos/townhomes or outer-suburb starters (~800–1,200 sq. ft.). HOA fees are common for condos/newer communities and vary by neighborhood.

Q: What homes can I buy for $300,000 in Texas?

A: In Dallas–Fort Worth, $300K buys brick single-family or townhomes in value suburbs. Houston offers renovated older single-family in the inner-ring areas. Austin leans condos/fixer-uppers or farther-out single-family. San Antonio delivers newer 2000s-era single-family. Size, HOA, and commute trade-offs vary by metro and subdivision.

Q: Where does $300K go furthest in Texas?

A: Generally San Antonio and smaller metros. Expect 3–4 bed single-family in many neighborhoods, often with lower HOA prevalence. In DFW/Houston, $300K reaches solid starter single-family; in Austin, think condo/townhome or outer-suburb single-family. Always compare commute, schools, and HOA rules before you shop.

Q: How much cash do I need to buy a $300K home in Texas?

A: Minimums vary by loan. 5% down = $15,000 (300,000 × 0.05); FHA 3.5% = $10,500 (300,000 × 0.035); VA/USDA can be 0% down. Add 2–4% for closing costs ($6,000–$12,000). Seller credits may reduce out-of-pocket costs depending on loan rules and negotiation.

Q: Do I need 20% down to buy at $300K?

A: No. Many buyers qualify with 3%–5% down on conventional loans, 3.5% on FHA, and 0% on eligible VA/USDA. With <20% down on conventional, you’ll typically have PMI, which can drop later with equity. FHA has MIP for a set period; VA has a funding fee but no monthly PMI.

Q: Will I have an HOA on a $300K home in Texas?

A: Often yes for condos/newer builds (especially around Austin and some DFW suburbs). Houston and San Antonio have many non-HOA or light-HOA neighborhoods, but it varies by subdivision. Review dues, special-assessment history, parking rules, and rental restrictions before you make an offer.

Q: What property taxes and insurance should I budget at $300K?

A: Texas property taxes vary widely by county and district—plan roughly 1.5%–3% of assessed value yearly. Homeowners insurance depends on location, roof/age, and coverage; some areas need wind/hail or flood riders. Get quotes early and confirm the tax rate for the exact address before finalizing payment targets.

Q: Is $300K competitive in today’s Texas market?

A: Yes, but competitiveness varies by metro and school zone. You’ll see more options in San Antonio and select Houston/DFW suburbs; Austin is tighter near the core. A pre-approval plus neighborhood short-list lets you move quickly when a well-priced listing hits.

Q: Can I use down-payment assistance on a $300K purchase?

A: Often, yes. Many Texas programs (state/local) allow assistance on owner-occupied homes near this price, subject to income/credit limits and area caps. Pairing assistance with seller credits can reduce upfront cash; confirm program layering and minimum borrower contribution with your lender before house hunting.

Q: Are condos or single-family better at $300K?

A: Condos (common near Austin/DFW cores) trade space for location and add HOA dues. Single-family (more common in San Antonio/Houston and outer suburbs) delivers more yard and square footage but may increase commute and maintenance. Compare total monthly cost (PITI + HOA) and lifestyle needs.