McKinney Homes under $400,000

Welcome to McKinney, Texas—a vibrant city where southern charm meets modern living! Nestled in Collin County, McKinney is renowned for its rich history, thriving community, and picturesque landscapes. With its historic downtown district, filled with unique shops, delightful eateries, and a variety of local events, McKinney offers a warm, welcoming atmosphere that captures the essence of small-town life while providing all the conveniences of a bustling city.

One of the standout features of McKinney is its diverse housing market. For those seeking affordable options, you’ll be pleased to discover a range of beautiful homes priced under $400,000. These properties vary from charming single-family homes to contemporary townhouses, catering to various lifestyles and preferences. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, McKinney has something to suit everyone’s needs.

The city boasts excellent schools, well-maintained parks, and numerous recreational activities, making it an ideal place for families and individuals alike. With easy access to major highways and a short drive to the bustling Dallas-Fort Worth metroplex, residents enjoy the perfect blend of tranquility and urban convenience.

If you’re looking for a place that combines affordability with an exceptional quality of life, McKinney is the perfect choice. Explore the homes available under $400,000 and take the first step toward making this charming city your new home!

Newest McKinney Homes under $400,000

$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 and 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. 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. Relax on the oversized enclosed patio, perfect for morning coffee. 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

$300,000

3 Beds ⋅ 2 Baths ⋅ 21403495 MLS

This stunning, move-in-ready home is located on a quiet cul-de-sac and features a spacious, open floor plan. The kitchen is fully equipped with stainless steel appliances, including a refrigerator, dishwasher, range, and microwave, all installed in October 2026. The home boasts extensive updates from September 2026, including fresh interior paint, durable LVP flooring, plush new carpet, updated blinds, modern faucets, lighting fixtures, and ceiling fans throughout. The split-bedroom layout offers added privacy, and the home includes a convenient in-closet utility area and a garage door opener. No HOA. Ideally situated for convenience, this property is close to schools and shopping, with easy access to major routes just west of Highway 75 and north of 380. Seller is a licensed real estate broker in Colorado. Some photos have been virtually staged.

2724 Douglas Dr, McKinney

$368,000

4 Beds ⋅ 3 Baths ⋅ 21404792 MLS

INCREDIBLE BUYER INCENTIVES: $5,000 MORTGAGE CONCESSION. Opendoor Home Loans will contribute up to $5,000 towards a permanent interest rate buy-down if you finance with Opendoor Home Loans LLC. 424 Cypress Hill Dr is a residence with a functional layout and comfortable living spaces throughout. Built in 2011, the home includes 2,393 square feet in the Trinity Heights Phase One (CMC) subdivision. The kitchen features a center island and quartz countertops, creating a well-equipped space for cooking and entertaining. A fireplace anchors the main living area, adding warmth and ambiance to the central gathering space. Neutral interior paint creates a clean backdrop across the home. The McKinney location is assigned to Naomi Press and McKinney North. An attached garage provides direct access and covered vehicle parking, completing this well-maintained residence with practical amenities and comfortable living spaces throughout every room. Home comes with a 100-Day Home Warranty

424 Cypress Hill Dr, 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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