Bell County Homes under $400,000

Bell County Homes under $400,000

Welcome to Bell County, Texas, a hidden gem nestled in the heart of Central Texas, where charm meets opportunity! Known for its friendly communities, rich history, and stunning landscapes, Bell County is the perfect place for those seeking a vibrant lifestyle without breaking the bank.

With a diverse range of homes available for under $400,000, this county offers an array of choices for first-time homebuyers, families, and retirees alike. Imagine settling into a cozy three-bedroom home with a spacious backyard, perfect for weekend barbecues and family gatherings. Or perhaps a modern townhouse with contemporary finishes and easy access to local amenities is more your style. Bell County’s real estate market is brimming with possibilities that cater to every taste and budget.

Beyond the beautiful homes, Bell County boasts a wealth of attractions. Explore the quaint shops and delightful eateries in downtown Belton, or take a leisurely stroll along the scenic shores of Lake Belton. For outdoor enthusiasts, the county offers numerous parks and recreational areas, perfect for hiking, fishing, and enjoying the great Texas sunshine.

Education is also a priority here, with a variety of well-regarded school districts that serve the community. Plus, with easy access to major highways, commuting to nearby cities like Killeen and Temple is a breeze.

Whether you’re looking to plant roots or invest in a promising market, Bell County is a place where dreams can flourish. Discover your ideal home in this welcoming community today!

Newest Bell County Homes under $400,000

308 Chrislyn Dr, Troy, TX
$239,500
3 Beds ⋅ 2 Baths ⋅ 21414323 MLS
Welcome to 308 Chrislyn Dr, in Troy Texas! Discover the perfect blend of comfort and functionality in this inviting 3-bedroom, 2-bathroom home. Featuring an open-concept layout, the living spaces flow together seamlessly, creating a welcoming atmosphere for everyday living and entertaining. The primary bathroom features dual vanity sinks, adding convenience to your daily routine. Step outside to enjoy the fenced backyard and covered patio, offering the perfect setting for weekend gatherings, outdoor relaxation, or enjoying your morning coffee. With no HOA, enjoy the added flexibility. Conveniently located in Troy, with access to nearby schools, shopping, dining, and major commuting routes, this home offers an excellent opportunity to enjoy comfortable Central Texas living. Don't miss your chance to call this home yours! Schedule your private showing today and discover everything 308 Chrislyn Drive has to offer. This could be the home you've been waiting for! Won't last long.

308 Chrislyn Dr, Troy, TX
2 N Robin Dr, Belton, TX
$259,000
3 Beds ⋅ 2 Baths ⋅ 21414000 MLS
Enjoy comfortable living in Morgan's Point Resort in this great house, which features three bedrooms and two bathrooms, offering a functional floor plan and inviting living spaces. Morgan's Point Resort is a quiet, close-knit lake residential community known for its small-town appeal. Morgan's Point Resort near Belton, Texas offers access to Lake Belton, boating fishing, kayaking, and other lake activities. This property offers an extra large lot to park your boat and other lake toys. Rogers Park, which has a boat ramp is minutes away from this corner lot home. The home features a cozy living room with high ceilings and a fireplace. The attached two garage includes a clothes dryer and washer. The kitchen has a pass-through to the living room. The dining area can hold an eight-person table, allowing everyone to watch the deer from the larger windows. Note the updated backsplash, plenty of cabinets and light fixtures. The flooring, tile and carpet, is in great condition. The master bedroom is separate from the other two bedrooms. Continue the outside living on the covered patio in the backyard. However, The best part of the house is the extra large deck and living space. Watch the world pass by and not worry about missing out. Whether you're looking for a primary residence, a weekend retreat, or an investment opportunity, this property offers a great opportunity to enjoy the relaxed atmosphere of the community. Schedule your showing today!

2 N Robin Dr, Belton, TX
154 Hillside Dr, Troy, TX
$129,999
4 Beds ⋅ 2 Baths ⋅ 21412423 MLS
Affordable 4 bedroom 2 bathroom home in Troy, TX! Huge half acre lot, large living space, and at the perfect stage for you to make it your own. Priced so you can add some TLC and build equity along the way. Don't let the most affordable home in the area get away and schedule a showing today!

154 Hillside Dr, Troy, TX
3802 Wendy Oaks Dr, Temple, TX
$354,900
4 Beds ⋅ 4 Baths ⋅ 21412669 MLS
Looking for a home with room to entertain both inside and out? This 4-bedroom, 3.5-bath home sits on a beautiful .43-acre lot shaded by mature trees, just minutes from Baylor Scott & White, shopping, and dining. Inside, you'll find two living areas, two dining areas, a split-bedroom floor plan, and an abundance of closet space and built-ins. Several updates have been made, including a roof replaced approximately one year ago, and the home also features a whole-home water softener. The backyard is where this property really shines! Enjoy summer days by the in-ground swimming pool, relax under the covered patio, or host friends and family with plenty of room for outdoor entertaining. Mature trees add character and shade, while the sprinkler system helps with lawn maintenance. With a great combination of indoor and outdoor living spaces and a convenient Temple location, this home is ready for you to make it your own!

3802 Wendy Oaks Dr, Temple, TX
1306 Campbelton Dr, Temple, TX
$224,900
4 Beds ⋅ 2 Baths ⋅ 21410808 MLS
Welcome to this charming light blue, 3-bedroom, 2-bath ranch-style home offering comfort, character, and inviting curb appeal! The convenient single-story layout provides a practical living space with plenty of potential to make it your own. Step outside and discover a spacious backyard, perfect for outdoor entertaining, weekend barbecues, gardening, or simply relaxing and enjoying the outdoors. To help visualize this homes floor plan and to highlight its potential virtual furnishings may have been added to photos found in this listing

1306 Campbelton Dr, Temple, TX
4506 Ronald Dr, Killeen, TX
$155,000
2 Beds ⋅ 2 Baths ⋅ 21408895 MLS
Looking for immediate cash flow or a 100% move-in ready home? This stylishly renovated 2Bed 2Bath home in Killeen has all to offer. From the designer touches to the fully furnished setup, absolutely everything has been done for you—just bring your suitcase —and your awesome self! The open layout creates an inviting atmosphere with contemporary finishes throughout. Enjoy prime convenience, located just 10 minutes from Fort Hood (Fort Cavazos), 5 minutes from business centers including medical facilities, dining, and entertainments. Currently generating active cash flow as a short-term rental, this versatile property gives buyers the best of both worlds: a turnkey home for personal living or an established income producer from day one. Don't miss this rare, move-in ready opportunity.

4506 Ronald Dr, Killeen, TX
1109 Karen Dr, Killeen, TX
$75,000
3 Beds ⋅ 2 Baths ⋅ 21408879 MLS
Affordable 3-bedroom, 2-bath home with great potential! Featuring carpet and vinyl flooring throughout, this property offers an opportunity to make updates and improvements to suit your style. With some TLC and cosmetic updates, this home could make a great investment property, rental, or primary residence. Conveniently located in Killeen near shopping, dining, and everyday amenities. Bring your ideas and make this property your own! Being Sold-AS-IS

1109 Karen Dr, Killeen, TX
1803 S 15th St, Temple, TX
$209,900
3 Beds ⋅ 2 Baths ⋅ 21404087 MLS
Located in the highly sought-after Temple Medical District residential infill area, this charming 3-bedroom, 1.75-bath home offers a rare and versatile opportunity in one of the city’s most dynamic and steadily growing corridors. Built in 1954, the property features approximately 1,758 square feet of living space on a spacious 0.26-acre lot, blending original character with thoughtful updates and flexible living options. The functional floor plan provides multiple living and dining areas, ideal for both everyday living and entertaining. Its prime location near major healthcare facilities and employment hubs naturally attracts consistent demand from medical students, traveling nurses, healthcare professionals, and long-term residents alike—making it well-suited for both short-term and permanent housing needs. Recent improvements add value and peace of mind, including a brand new roof, refinished ORIGINAL wood flooring in living, hall, and primary bedroom, updated gas lines from the city, and upgraded water lines from city and internet lines. These essential updates complement the home’s timeless appeal while supporting modern living. The kitchen area is ready for buyer's personal touch and updating. Carpeted areas have original wood flooring underneath- for the buyer looking for a project! Outdoor features include established garden beds and a dedicated fire pit area, creating a welcoming space for relaxing or gathering with guests. A two-car garage connects to the home through a charming enclosed breezeway entry adding the perfect inside space for your herb garden or plants. Whether you’re an investor seeking strong occupancy potential and rental stability, or a first-time homebuyer looking for long-term value in a high-demand area, this property delivers. Conveniently located with easy access to local schools, shopping, dining, and major roadways, it stands out as a substantial and forward-thinking opportunity in a growing Central Texas market.

1803 S 15th St, Temple, TX
2206 S 51st St, Temple, TX
$130,000
3 Beds ⋅ 2 Baths ⋅ 21403660 MLS
Investor and handyman special in Temple! This 1961 single-story brick home offers 3 bedrooms, 2 full baths and 1,363 sq ft on a 0.22-acre lot in the established Skyline subdivision. Features include a front-facing two-car attached garage, an additional detached garage, multiple storage and workshop buildings, mature shade trees, and a kitchen with ample wood cabinetry, wall oven, cooktop and dishwasher. The second bath has a walk-in shower. The home needs cosmetic updating throughout, making it a great opportunity to add value and build equity. Minutes from Loop 363, shopping and dining. Temple ISD.

2206 S 51st St, Temple, TX
113 Calvary Dr, Belton, TX
$199,900
4 Beds ⋅ 4 Baths ⋅ 21394137 MLS
Discover your dream home nestled in a peaceful subdivision just moments from the serene waters of Lake Belton. Location is key, as you are incredibly close to Lake Belton. The Belton Lake Boat Ramp is your closest direct access point for a day on the water. For additional options, Carp Boat Dock and Franks Marina are also nearby, providing excellent slip and docking setups for all your boating needs. This inviting double-wide mobile home offers a spacious open floor plan perfect for comfortable living and entertaining. This home is featuring 4 bedrooms and 2 full baths, this property also includes a versatile bonus room that could serve as a home office, playroom, or media space. The heart of the home is a huge, open-concept kitchen that flows seamlessly into the main living areas. You will love the convenience of the large laundry room, which features a direct connection to the expansive master suite. The master bedroom is truly gigantic, providing a private retreat with ample space. The attached master bath includes a relaxing garden tub, a separate shower, and dual sinks to accommodate your daily routine. Step outside to enjoy the generous .57-acre lot, which offers plenty of space for outdoor activities and relaxation. The backyard is a standout feature, complete with established fruit trees and a unique outdoor wooden kitchen, making it the perfect setting for hosting gatherings or enjoying quiet evenings under the stars. This property combines the comfort of a well-appointed home with the lifestyle benefits of lakeside living. Schedule your visit today to see everything this wonderful home has to offer. Discover your dream home nestled in a peaceful subdivision just moments from the serene waters of Lake Belton. This inviting double-wide mobile home offers a spacious open floor plan perfect for comfortable living and entertaining.

113 Calvary Dr, Belton, TX
2115 N 9th St, Temple, TX
$260,000
3 Beds ⋅ 2 Baths ⋅ 21400731 MLS
Welcome home to this well-maintained Temple property offering plenty of space, character, and opportunity to make it your own. Step inside to a clean and functional floor plan featuring generously sized rooms, traditional finishes, and a warm, inviting feel throughout. The home has been lovingly cared for and offers a wonderful canvas for buyers who appreciate classic charm or want to add their own personal touches over time. Outside, enjoy a spacious private yard with plenty of room for entertaining, gardening, play, or simply relaxing outdoors. Conveniently located near schools, parks, shopping, dining, and everyday amenities, this home combines comfortable living with a location that makes getting around Temple easy. Whether you're looking for a home you can enjoy now or one you can personalize along the way, this property offers space, versatility, and so much potential. Come see it in person and imagine making it your own!

2115 N 9th St, Temple, TX
2211 Memory Ln, Harker Heights, TX
$335,000
3 Beds ⋅ 3 Baths ⋅ 21397673 MLS
Get ready to be amazed by this spacious and stylish home, thoughtfully designed with upgrades and attention to detail throughout! From the moment you arrive, the curb appeal shines with mature trees, a welcoming front porch, and an upper-level balcony. Upon entry, you’re greeted by an inviting open-concept formal living and dining area. The heart of the home is the expansive kitchen and family room, featuring a large center island, double built-in ovens, stainless steel appliances, a double sink, dishwasher, range, and built-in microwave. A convenient mudroom located just off the garage adds valuable functionality and storage. All carpeted areas on first and second floor has been replaced with beautiful laminate wood. Upstairs, a versatile game room provides endless possibilities as a playroom, media room, home office, or additional living space. Step outside onto the extended front-facing balcony and enjoy views of the neighborhood. The spacious primary suite features double doors, a relaxing soaking tub, and dual closets. Two generously sized secondary bedrooms provide plenty of room for family or guests. The backyard is truly exceptional and designed for entertaining! An expansive covered patio with concrete flooring offers multiple seating areas, while two gazebos create additional spaces to relax and enjoy the outdoors. A wooden railing adds charm and definition to the space. Completing this incredible backyard setup are a custom storage shed matching doghouse and replaced wood privacy fence. Second floor and exterior AC unit replaced 2024. With generous living spaces, thoughtful upgrades, impressive outdoor amenities, and plenty of room to entertain, this home truly has it all!

2211 Memory Ln, Harker Heights, TX
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:

How much is your home worth?

Get instant property value now!