What $350K Buys in Houston Right Now (July 2026)

If you’re shopping for homes for sale in Houston under $350K right now, here’s the honest starting point: $350,000 lands right around Houston’s median sale price — about $345,000 this summer — so this budget puts you squarely in the middle of the market, the tier where the most buyers and the most listings meet. The twist in Houston is that the same money buys wildly different homes depending on where you point it. With no citywide zoning and dozens of neighborhoods in play, $325,000 might get you a near-new townhome minutes from downtown or a roomy suburban four-bedroom half an hour out. Here’s what that budget really buys in July 2026 — including a live look at actual listings in the heart of this range, further down the page.

The Houston market at a glance

Houston has spent 2026 drifting toward a balanced market. The median single-family sale price sat at about $345,000 in June, months of inventory rose to 5.2 (a truly balanced market runs closer to six), and homes are taking roughly 52 days to sell — a touch longer than a year ago. Sales are actually up about 3.5% over last June, so buyers are out and active, but the added inventory means you’re not fighting the crowds the way you would have a few summers back. You can pull the current citywide numbers any time from HAR.com’s Houston price-trends page. In the $300,000–$350,000 band specifically, there are several thousand active listings across the city at once — one of the deepest, most-shopped price ranges in Houston.

What $350K buys close to the core

Point this budget at the inner loop and you’re mostly trading land for location. Around $300K to $350K near the center of town, you’ll find newer two- and three-story townhomes — many built in the last five years — in revitalizing pockets like the East End, Near Northside, and the neighborhoods east of downtown (ZIP codes such as 77003, 77009, and 77020), usually running 1,300 to 1,900 square feet with a small yard or none at all. You’ll also turn up restored 1920s bungalows with real character and the occasional brand-new patio home. What you give up is square footage and lot size; what you gain is a short commute and walkable, up-and-coming streets. One Houston quirk worth remembering: because the city has no formal zoning, a charming block can sit a stone’s throw from commercial or industrial use, so the specific street matters as much as the neighborhood name.

What $350K buys out in the suburbs

Aim the same $350,000 at Houston’s established suburbs and it stretches into real family-home territory. In areas like Copperfield (77095), Bear Creek Village (77084), the Clear Lake and Bay Area communities (77062), and the north-side subdivisions off I-45 (77090), this budget regularly buys a three- or four-bedroom home of roughly 1,800 to 2,600 square feet on a genuine lot, often in a neighborhood with a community pool and well-regarded schools. Many were built between the 1980s and 2000s, so you get grown-in trees and more elbow room — the flip side of the close-in choice. If you’re eyeing a newer suburban section, ask about the MUD before you fall for the price; I wrote up exactly what a MUD district does to your property taxes so the monthly number doesn’t catch you off guard.

What the payment really looks like

Sticker price is only half the story in Texas. At this week’s average 30-year rate of 6.49% — I keep a running tally on my Houston mortgage rates page — a loan at the $325,000 midpoint of this band runs about $2,050 a month in principal and interest. Then come the two Texas wildcards: property taxes and homeowner’s insurance. Our property-tax rates are high and vary a lot by location and MUD, and insurance has climbed along the Gulf Coast — together they can add several hundred dollars to that monthly figure through your escrow account. I break down how the tax piece works in my post on how Texas property taxes affect your monthly payment. When we set your budget, I build the all-in number for the specific homes you’re considering, not just the list price, so the payment you see is the payment you’ll actually have.

Is this a buyer’s or a seller’s segment?

Right now the $300K–$350K Houston segment tilts gently in the buyer’s favor. With inventory in that five-plus-month range and homes sitting closer to two months before they sell, sellers who overprice are watching their listings stall while sensibly priced ones still go under contract. That gives you room to keep an inspection and option period, to ask for help with closing costs, and to genuinely negotiate rather than waive everything sight unseen. It’s not a market that rewards panic — but the truly good homes at a fair price still move quickly, so being pre-approved and ready to tour is what separates the buyers who land one from the buyers who keep just missing. New to all this? My guide to the Houston home-buying process walks through each step.

Two local tips before you fall for a listing

First, check the flood history for the exact address, not just the neighborhood — Houston is flat, flood maps have shifted over the years, and two homes on the same street can carry very different risk and insurance costs. Second, verify school zoning down to the address; much of the city proper feeds Houston ISD, but the suburbs in this budget fall under districts like Cy-Fair, Clear Creek, or Aldine, and attendance zones can change block to block. And in any newer suburban section, ask for the full tax rate with the MUD included before you get attached to a list price.

A live look: Houston homes from $300K to $350K

These aren’t cherry-picked examples that will be gone by the time you read this — they’re active HAR MLS listings in the middle of this budget, pulled straight from my live IDX feed. The grid refreshes itself as homes sell and new ones come on the market:

$350,000 Active

3313 Hutchins Street Houston, Texas

3 Beds 3 Baths 1,534 SqFt 0.043 Acres

$349,900 Active

9402 Alcott Drive Houston, Texas

4 Beds 2 Baths 1,488 SqFt 0.204 Acres

$349,900 Active

14943 Tramore Drive Houston, Texas

4 Beds 3 Baths 2,427 SqFt 0.19 Acres

$339,900 Active

15303 Garett Green Circle Houston, Texas

3 Beds 2 Baths 1,990 SqFt 0.233 Acres

$335,000 Active

4047 Juliet Street Houston, Texas

5 Beds 3 Baths 1,940 SqFt 0.144 Acres

$334,900 Active

6445 Rena Street Houston, Texas

3 Beds 3 Baths 1,886 SqFt 0.046 Acres

That’s just a sample — you can browse every Houston home from $300K to $350K, step up to the $350K to $400K range, or start from all Houston homes for sale and set your own filters.

See every Houston home in your budget right now

Prefer to hunt on a map? You can search every active Houston listing on my site, draw your own boundary, and filter to your exact price range. On your phone, the free Houston Prime Realty app runs on a live MLS feed, so you’ll see new listings and price drops the moment they happen — not the delayed data the national portals show. And if you’d rather I do the digging, tell me the areas and must-haves you care about and I’ll set up a tailored search, then tell you what a listing photo won’t — about the street, the flood history, the schools, and resale.

Get new Houston listings the day they hit the market

Want this search working for you around the clock? Sign up below and I’ll set an alert for your exact budget — you’ll get an email the moment a new Houston home in your range is listed or drops its price. No spam, and you can opt out anytime.

Kevan Pewitt is a licensed Texas REALTOR® and Broker. Houston Prime Realty supports Equal Housing Opportunity. Market figures are general and current as of publication; verify current conditions for any specific home. Listings shown are pulled live from the HAR MLS and change throughout the day.

Last updated: July 2026