Troy Homes under $400,000

Troy Homes under $400,000

Welcome to Troy, Texas – a charming small town nestled in the heart of Bell County, where community spirit meets Southern hospitality. Just a stone's throw from the bustling city of Killeen, Troy offers the perfect blend of tranquil living and convenient access to urban amenities. With its rich history, friendly neighborhoods, and picturesque landscapes, Troy is an ideal place for families, retirees, and anyone looking to embrace the warmth of Texas life.

Troy features a variety of homes under $400,000, making it an attractive option for first-time buyers and those seeking affordable yet comfortable living. Whether you’re searching for a cozy single-family home with a spacious yard or a modern townhouse with contemporary finishes, Troy has something to suit every taste and budget. The real estate market here is thriving, with properties that boast charming architectural features, ample outdoor space, and easy access to local parks and recreational areas.

In addition to its affordable housing options, Troy is known for its strong sense of community. Residents enjoy local events, farmers' markets, and family-friendly activities throughout the year. The town is served by the highly-rated Troy Independent School District, ensuring that families have access to quality education.

If you're looking for a place that embodies the essence of small-town charm while still offering the conveniences of modern living, Troy, Texas, may just be the perfect fit. Explore the available homes under $400,000 and discover your dream home in this delightful community today!

Newest Troy Homes under $400,000

9690 Ave E, Troy
$85,500
1 Beds ⋅ 1 Baths ⋅ 627563 MLS
Opportunity in Troy! This 1-bedroom, 1-bath mobile home sits on approximately one-third of an acre and offers plenty of potential for the right buyer. The property includes multiple outbuildings, providing additional storage, workspace, or room for hobbies and equipment. With a spacious lot and a quiet setting, there is room to make the property your own. Whether you are looking for an affordable place to call home, an investment opportunity, or a property with added utility and outdoor space, this one is worth a look. Conveniently located with easy access to Troy, Temple, and surrounding Central Texas communities.

9690 Ave E, Troy

Listing courtesy of Vista Real Estate Group-Compass RE Texas, LLC. Contact: 254-541-9610
300 Jacquard Court, Troy
$255,000
4 Beds ⋅ 2 Baths ⋅ 626495 MLS
Welcome to comfortable Texas living in this inviting one-story home in Troy! Situated on a desirable corner lot, this well-kept property offers a practical layout with plenty of room to live, work, and entertain. Inside, you’ll find four generously sized bedrooms and two full bathrooms, providing flexibility for a growing household, guests, or a dedicated home office. The open-concept kitchen features a center island with a customed designed sink with cutting board and a faucet that acts as a fountain as well with an included refrigerator, range, and microwave, making meal preparation and entertaining a breeze. The home also includes a dedicated laundry room and ceiling fans in the primary bedroom and living area for added everyday comfort. Step outside to enjoy the fully fenced backyard, complete with a wood privacy fence and covered patio—a great spot for morning coffee, weekend gatherings, or simply relaxing outdoors. Located in the peaceful community of Troy, Texas, you’ll enjoy small-town charm while being just minutes from Temple and with convenient access to I-35 for commuting and nearby amenities. Four bedrooms, a functional open layout, corner-lot appeal, and an inviting outdoor space make this a home worth seeing.

300 Jacquard Court, Troy

Listing courtesy of Dalton Wade Inc. Contact: 2543943854
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

Listing courtesy of Parkway Real Estate. Contact: 254-613-1216
305 Skyview Circle, Troy
$149,000
2 Beds ⋅ 1 Baths ⋅ 626830 MLS
Welcome to 305 Skyview in Troy, Texas! Tucked away on a cul-de-sac, this charming 2-bedroom, 1-bath home offers an inviting, move-in-ready interior, a huge backyard, and a long list of recent updates. Step inside to find ceramic tile flooring throughout for a clean, cohesive look and easy maintenance. The updated kitchen features granite countertops, stainless steel appliances, updated faucets, and modern light fixtures. The bathroom offers a vanity and convenient shower/tub combination. Recent improvements include fresh interior and exterior paint, a new impact-resistant architectural shingle roof installed in September 2026, and a water heater replaced in August 2025. Outside, the huge backyard provides plenty of room for entertaining, pets, play, gardening, or simply enjoying the outdoors. The cul-de-sac location adds to the appeal, while the convenient Troy location keeps you close to schools and everyday amenities. Troy Elementary School is approximately 0.2 miles away, with easy access to I-35 for commuting to Temple, Belton, Waco, and surrounding Central Texas communities. With major updates already completed, a spacious backyard, and a convenient location, 305 Skyview is ready to welcome its next owner!

305 Skyview Circle, Troy

Listing courtesy of Two Lakes Real Estate. Contact: 254-316-9606
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

Listing courtesy of All City Real Estate Ltd. Co. Contact: (866) 277-6005
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

Listing courtesy of Stylecraft Brokerage, LLC. Contact: 254-831-9301
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

Listing courtesy of Jorgenson Real Estate. Contact: 512-574-5484
1012 Velvet Ct, Troy
$270,000
4 Beds ⋅ 2 Baths ⋅ 9495864 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 Ct, Troy

Listing courtesy of Jorgenson Real Estate. Contact: (512) 439-3698
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

Listing courtesy of Coldwell Banker Apex, REALTORS. Contact: 254-776-0000
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

Listing courtesy of Stylecraft Brokerage, LLC. Contact: 254-831-9301
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

Listing courtesy of eXp Realty LLC. Contact: 888-519-7431
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

Listing courtesy of Lpt Realty. Contact: crystal@rysehomes.com 254-348-5577
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