Troy Homes under $400,000

Troy Homes under $400,000

Welcome to Troy, Texas – a hidden gem nestled in Bell County that perfectly blends small-town charm with modern conveniences. Just a short drive from the bustling city of Killeen and the scenic beauty of Lake Belton, Troy offers residents a serene lifestyle without sacrificing accessibility to urban amenities.

Troy is characterized by its friendly community, excellent schools, and a variety of recreational opportunities. The city boasts a rich history and a welcoming atmosphere, making it an ideal place for families, retirees, and everyone in between. Enjoy weekend strolls through local parks, or explore the vibrant downtown area filled with quaint shops and eateries that showcase the essence of this close-knit community.

For those seeking a home in Troy, you’ll be delighted to discover an array of properties available for under $400,000. Whether you’re looking for a cozy starter home, a spacious family residence, or a charming bungalow, the real estate market in Troy offers diverse options to suit your needs. Many homes feature modern upgrades, generous yards, and easy access to local amenities, providing the perfect backdrop for your new life in this welcoming town.

With its affordable housing market, Troy is an excellent choice for first-time homebuyers and those looking to invest in a promising community. Experience the warmth and charm of Troy, Texas, where your dream home awaits! Let us help you find the perfect property that fits your lifestyle and budget in this delightful city.

Newest Troy Homes under $400,000

736 Jersey Court, Troy
$370,000
5 Beds ⋅ 4 Baths ⋅ 626810 MLS
Room to spread out, space to come together, and flexibility for the way you live! Located on a cul-de-sac next to the community park and walking trails, 736 Jersey Court offers 5 bedrooms, 4 full bathrooms, and a spacious loft in Troy. Built in 2022, this home features an open main living area that keeps the kitchen, dining, and living spaces connected—perfect for hosting holiday dinners or enjoying a quiet evening at home. Granite countertops, abundant cabinetry, and plenty of workspace make the kitchen as practical as it is inviting. Two bedrooms and two full bathrooms on the main level offer options for overnight guests or a dedicated home office, with the laundry room conveniently downstairs. Upstairs, three additional bedrooms and two full bathrooms surround a generous loft ready for movie nights, games, hobbies, or a second living area. Take the gathering outside to the backyard and deck, with room to dine, unwind, and enjoy the outdoors. A two-car garage completes the package, while nearby access to Temple, Belton, and Waco keeps Central Texas amenities within reach. If more bedrooms, more bathrooms, and more ways to use your space are on your wish list, come see how this home fits!

736 Jersey Court, Troy
316 Enclave Manor Drive, Troy
$289,000
4 Beds ⋅ 2 Baths ⋅ 625999 MLS
This beautifully designed 4-bedroom, 2-bathroom, 1,667-square-foot home in Troy, Texas, offers the perfect blend of modern comfort and small-town living. Designed with an efficient, open-concept layout, the spacious living area seamlessly connects to the kitchen and dining spaces, making it ideal for both daily living and entertaining. Enjoy Texas evenings in your private backyard—perfect for gardening, relaxing, or hosting outdoor gatherings. Nestled in the new friendly community of Troy with easy access to I-35, putting Temple and Belton just minutes away for convenient dining, and shopping. Whether you're looking for your first home or downsizing without compromising on features, this property delivers Texas warmth and everyday comfort in a peaceful setting.

316 Enclave Manor Drive, Troy
518 University Avenue, Troy
$240,900
3 Beds ⋅ 2 Baths ⋅ 626073 MLS
This beauty is luxury living with three bedrooms and two baths. This beautiful home features large secondary bedrooms with walk-in closets. Open living, dining, and kitchen provides abundant space without all the cost. The primary bedroom suite is fit for a king sized bed and features a large walk-in closet.

518 University Avenue, Troy
1012 Velvet Court, Troy
$270,000
4 Beds ⋅ 2 Baths ⋅ 625920 MLS
Built in 2022, this 4-bed, 2-bath home sits on a quiet cul-de-sac with an open, light-filled layout. The kitchen anchors the space with a large island, granite counters, and stainless appliances, flowing right into the living and dining areas. The primary suite offers a spacious walk-in closet and en-suite bath, while three more bedrooms give plenty of room to grow. Out back: a covered patio and a big, fully fenced yard. Community walking trails, and a standout perk — a 4.99% assumable VA loan, a rare shot at a well-below-market rate. Truly move-in ready.

1012 Velvet Court, Troy
484 Thompson Road, Troy
$285,000
3 Beds ⋅ 2 Baths ⋅ 625012 MLS
Welcome to this charming 3-bedroom, 2-bath brick home situated on a spacious 1-acre lot in Troy ISD. Located on a quiet cul-de-sac, this property offers comfortable living with plenty of space both inside and out. The kitchen features Solid Surface countertops, a glass electric cooktop, built-in oven, breakfast bar, and an open flow into the dining area. A bay window adds character and natural light, while the living room offers a brick hearth and wood-burning fireplace for a warm and inviting atmosphere. The primary suite includes a spacious walk-in closet with ample storage. A 2-car garage and storage shed provide additional convenience and space for your belongings. Enjoy the peaceful setting and room to spread out.

484 Thompson Road, Troy
321 State Loop, Troy
$258,900
3 Beds ⋅ 2 Baths ⋅ 625082 MLS
This beauty is luxury living with three bedrooms and two baths. This beautiful home features large secondary bedrooms with walk-in closets. Open living, dining, and kitchen provides abundant space without all the cost. The primary bedroom suite is fit for a king sized bed and features a large walk-in closet.

321 State Loop, Troy
100 Hillside Drive, Troy
$175,000
3 Beds ⋅ 2 Baths ⋅ 624580 MLS
Well-Maintained 3 Bedroom, 2 Bath Manufactured Home on 0.5 Acres in Troy, TX! Looking for a manufactured home with acreage in Central Texas? This well-maintained 3-bedroom, 2-bath home on approximately 0.5 acres offers comfortable living, outdoor space, and a convenient location for an easy commute. The exterior of the home has been well maintained and features vinyl paneling, a covered front deck, covered back patio, and concreted carport for convenient covered parking. The outdoor spaces provide plenty of room to relax, entertain, or simply enjoy the added privacy and flexibility that comes with a half-acre property. Additional updates include Champion heat-resistant windows installed two years ago, adding to the home's overall comfort and appeal. Located in Troy this property offers easy commuting access to rapidly growing Temple or Waco areas and beyond, making it an appealing option for buyers looking for a home with acreage while remaining conveniently connected to surrounding areas. With 3 bedrooms, 2 bathrooms, approximately half an acre, covered outdoor living areas, a concrete carport, vinyl exterior, and newer heat-resistant windows, this Troy, Texas manufactured home offers a combination of space, functionality, and convenience that's hard to overlook. Schedule your showing and take a closer look at everything this property has to offer!

100 Hillside Drive, Troy
1173 Ottoman Loop, Troy
$245,000
3 Beds ⋅ 2 Baths ⋅ 623301 MLS
This charming 3-bedroom, 2-bathroom, 1,548-square-foot home in Troy, Texas, offers the perfect blend of modern comfort and small-town living. Designed with an efficient, open-concept layout, the spacious living area seamlessly connects to the kitchen and dining spaces, making it ideal for both daily living and entertaining. Spacious Living: 1,548 sq. ft. thoughtfully designed to maximize natural light and functional space. Kitchen & Dining: Well-equipped kitchen featuring ample counter space and cabinet storage, opening directly to the main dining and living areas. Outdoor Space: Enjoy Texas evenings in your private backyard—perfect for gardening, relaxing, or hosting outdoor gatherings. Location: Nestled in the growing, friendly community of Troy with easy access to I-35, putting Temple and Belton just minutes away for convenient dining, shopping, and commuting. Whether you're looking for your first home or downsizing without compromising on features, this property delivers Texas warmth and everyday comfort in a peaceful setting.

1173 Ottoman Loop, Troy
506 University Avenue, Troy
$236,900
3 Beds ⋅ 2 Baths ⋅ 623767 MLS
This beauty is luxury living with three bedrooms and two baths. This beautiful home features large secondary bedrooms with walk-in closets. Open living, dining, and kitchen provides abundant space without all the cost. The primary bedroom suite is fit for a king sized bed and features a large walk-in closet.

506 University Avenue, Troy
503 Kylar Street, Troy
$259,000
4 Beds ⋅ 2 Baths ⋅ 623037 MLS
Wonderful one-owner home in Troy ISD ready for its next family! This inviting property sits on a spacious corner lot and offers 4 bedrooms and 2 full bathrooms in a comfortable split floorplan. No carpet and recent updates include lighting throughout and updated plumbing fixtures. Inside, you’ll find a formal dining area, a breakfast space in the kitchen, and a nicely sized kitchen complete with pantry and adjacent laundry room. Large open living area that will accommodate large furniture and is open to the formal dining area and kitchen. The layout provides flexibility for work, guests, or hobbies while maintaining an easy flow for everyday living. Step outside to a great covered back patio overlooking the large fenced backyard—perfect for relaxing evenings, pets, or outdoor gatherings. Great home, great price, and great location—this one checks all the boxes. Be sure to add it to your list; you won’t want to miss everything this home has to offer.

503 Kylar Street, Troy
601 Campus Street, Troy
$170,000
3 Beds ⋅ 2 Baths ⋅ 621736 MLS
Fresh, modern, and move-in ready, this 2024-built townhome offers the perfect blend of style and convenience in the heart of Troy. With 3 bedrooms, 2 bathrooms, and an open-concept layout, this home is designed to make everyday living easy. The spacious kitchen features granite countertops, a pantry, built-in appliances, and overlooks the dining and living areas, creating an inviting space to cook, gather, and entertain. Durable no-carpet flooring throughout adds a clean, contemporary feel while making maintenance a breeze. The primary suite provides a comfortable retreat with dual vanities, a walk-in closet, and a shower/tub combination. Two additional bedrooms offer flexibility for guests, a home office, or hobbies. Step outside to enjoy a covered patio and a fully fenced backyard that's perfect for relaxing or spending time outdoors. Located in the College Park Townhomes community with convenient access to I-35, this home makes commuting to Temple, Belton, or Waco simple while keeping you close to local schools, shopping, and dining. Whether you're a first-time buyer, looking to downsize, or searching for a low-maintenance investment, this nearly new home is ready to welcome its next owner.

601 Campus Street, Troy
401 University Avenue, Troy
$258,900
3 Beds ⋅ 2 Baths ⋅ 619342 MLS
Upon entering this exceptional floor plan, you're immediately greeted with a high ceiling foyer. Walking into the open-concept kitchen and living room, you'll be stunned by the amount of space you have to gather. This three bedroom, two bath home has placed windows in the living room, primary bedroom, and dining room, crafting a home that is filled with natural light and charm. Granite countertops throughout and a large walk-in primary closet to top it all off and make this home exceptional.

401 University Avenue, Troy
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