What new construction communities in Temple and Belton offer move-in ready homes under $400k with quality school districts?
Buyers relocating to Central Texas are finding strong opportunities in Temple and Belton new construction neighborhoods, where homes under $400k combine affordability, modern features, and access to highly regarded schools. The Home in Texas Team, known as the Best Real Estate Agents in Temple Texas and a mother-daughter run, first time homebuyer specialist group, highlights the communities and listings that matter most right now.
For military families at Fort Cavazos, first-time buyers, and relocations from outside of Texas, affordability paired with quality schools is a top priority. New construction communities in Temple and Belton are delivering on that need with:
Competitive pricing starting in the $300s
Energy-efficient features and modern layouts
Family-friendly neighborhoods with quick access to I-35
Highly rated Belton ISD schools and improving district options in the area
Price Range: Mid $300s–$400k or higher
Known for proximity to Lake Belton and modern, spacious homes. Popular with relocating families.
Price Range: Low $300s–$400s
Features parks, community pool, and strong resale value. Ideal for families seeking affordable new construction.
Price Range: High $200s–mid $300s
One of Temple’s more affordable communities, with builders offering incentives for first-time buyers.
Price Range: Low $300s–low $400s
Sought-after Belton ISD zoning, with quick access to I-35 and nearby employers. A popular choice for commuters and military families.
Belton ISD continues to attract families with its reputation for academic strength and extracurricular opportunities. Temple also offers a mix of established and newer campuses, and many relocating buyers appreciate being able to research individual schools directly through TEA school ratings and Niche reports.
By focusing on specific campuses and neighborhood zoning, buyers can align their home purchase with their family’s educational priorities.
Average DOM (Days on Market): Across Temple and Belton, new construction homes under $400k are averaging closer to 50 or more days on the market — giving buyers more breathing room while still signaling steady demand.
Builder Incentives: Many communities are offering rate buydowns or closing cost assistance, particularly for first-time buyers and relocations.
Inventory: Active listings in Temple and Belton remain healthy, giving buyers more choice compared to the competitive Austin market.
Q: Are VA loan options available for new construction homes near Fort Cavazos?
Yes. Many builders in Temple and Belton work with VA loan buyers, and some offer additional military incentives.
Q: Do first-time buyers qualify for down payment assistance on new builds?
Absolutely. Texas statewide programs and local initiatives may provide up to 5% down payment help, even on new construction.
Q: How quickly do homes under $400k sell in Temple and Belton?
On average, within 50 days. However, highly desirable neighborhoods like The Groves at Lakewood can move faster when demand spikes.
If you’re relocating to Central Texas, looking for a move-in ready new build, or exploring your first home purchase, the Home in Texas Team is here to help. As a mother-daughter run team, we combine local expertise with a personal touch to guide you through every step of the process.
📞 Contact the Home in Texas Team — your Luxury Agent and First Time Homebuyer Specialist, recognized as the Best Real Estate Agents in Temple Texas — to schedule a tour of available homes under $400k in Temple and Belton.
Home in Texas Team – Mother-Daughter Run, Luxury Agent & First-Time Homebuyer Specialist serving Temple, Belton, and Salado, TX.
Through my business, my involvement in our community, and my dedication to my clients, I have developed a great network of friends and business associates. If you need something, I’ll be able to help….and that’s what I love doing!
Ali L. Thompson
McKenna Taggart
Address
6270 W ADAMS AVE
TEMPLE TX 76502