If you’re shopping for homes for sale in Katy under $350K right now, here’s the honest picture: $350,000 sits a notch below Katy’s median sale price — which is running right around $410,000 this summer — so you’re shopping the practical, entry-to-mid tier of one of Houston’s most competitive suburbs. That’s a real budget with real options in Katy; what it buys mostly comes down to whether you want newer-but-smaller or older-with-more-room. Here’s what $350K gets you in July 2026 — including a live look at actual listings in the heart of this budget, further down the page.
The Katy market at a glance
Katy has settled into balanced territory this year — not the bidding-war frenzy of a few summers back, and not a fire sale either. The median sale price across Katy is hovering around $410,000, inventory in the greater Katy area is near four months of supply (a balanced market generally runs five to six), and homes are taking roughly 50 to 70 days to sell depending on the neighborhood and how sharply they’re priced. Listings are up meaningfully year over year, which means more choices for you and more competition for sellers. You can check the current Katy numbers any time on HAR.com’s Katy price-trends page. In the under-$350K band specifically, there are typically well over a thousand active listings across greater Katy at once — plenty to choose from, but the well-kept, fairly-priced ones still move.
What $350K buys in newer construction
Katy is still one of the busiest new-build corners of the Houston area, and $350,000 reaches into builder territory on the community’s western and southern edges. In that band you’re typically looking at a 3- to 4-bedroom, 2 to 2.5-bath home somewhere in the 1,900 to 2,300 square-foot range — open-concept layout, modern finishes, an attached two-car garage, and a modest yard. Newer master-planned communities like Tamarron, Cross Creek Ranch, and Elyson have sections that start right around this range, often with resort-style pools, trails, and brand-new schools. One thing I always flag to new-construction buyers: nearly all of these communities sit inside a MUD — a municipal utility district — which adds to your tax rate. I wrote a whole post on what a MUD district means for your property taxes so the number on your closing statement doesn’t surprise you.
What $350K buys in resale
Go the resale route and the same $350,000 usually buys you more square footage and a bigger lot — just in an established neighborhood with a little age on it. Think a 4-bedroom, roughly 2,400 to 3,000 square-foot two-story built in the 1990s or 2000s, often with mature trees, a real backyard, and sometimes a pool. Settled Katy communities like Cinco Ranch, Nottingham Country, Grand Lakes, Seven Meadows, and Kelliwood regularly have homes trading in this range, many of them zoned to well-regarded Katy ISD campuses. The trade-off is the familiar one: more space and grown-in landscaping versus a brand-new build with a builder warranty and nobody else’s wear and tear. Neither is “better” — it depends on whether you’d rather have room and trees or new-and-untouched.
Is this a buyer’s or a seller’s segment?
Right now the under-$350K Katy segment leans gently buyer-friendly. With inventory in that balanced four-month range, more listings than a year ago, and homes sitting a couple of months before selling, sellers who overprice are sitting while fairly-priced homes still go under contract. That gives you room to ask for closing-cost help, to make an offer with an inspection and option period instead of being told to waive everything, and to actually negotiate. It’s not a market where you need to panic — but the genuinely good homes at a fair price still move quickly, so being pre-approved and ready to tour matters. If you’re newer to all this, my guide to the Houston home-buying process walks through each step.
A couple of local tips
Two things I tell every Katy buyer. First, check the school zoning for the exact address, not just the community — most of Katy feeds Katy ISD, but attendance zones can change street to street, and a few pockets fall in other districts entirely. Second, ask about the full tax rate (MUD included) and any HOA dues before you fall for a listing price; in some newer sections those line items meaningfully change your monthly payment. If you want help running those numbers, my post on how much down payment you really need in Houston is a good place to start.
A live look: Katy homes from $300K to $350K
These aren’t hand-picked examples that will be under contract by the time you read this — they’re active HAR MLS listings in the heart of this budget, pulled straight from my live IDX feed. The grid below updates itself as homes sell and new ones hit the market:
$350,000
Active
20319 Monkswood Drive Katy, Texas
3 Beds 3 Baths 2,118 SqFt 0.172 Acres
$350,000
Active
20115 Dering Court Katy, Texas
4 Beds 3 Baths 3,032 SqFt 0.193 Acres
$350,000
Active
24630 Puccini Place Katy, Texas
4 Beds 3 Baths 2,298 SqFt 0.114 Acres
$350,000
Active
3707 Daintree Park Drive Katy, Texas
3 Beds 3 Baths 2,272 SqFt 0.178 Acres
$349,990
Active
6418 Wildwood Pines Lane Katy, Texas
3 Beds 3 Baths 1,906 SqFt
$349,990
Active
2935 Orchid Ranch Drive Katy, Texas
4 Beds 3 Baths 2,242 SqFt 0.089 Acres
That’s just a sample — you can browse every Katy home from $300K to $350K, or start from all Katy homes for sale and set your own filters.
See every Katy home in your budget right now
Prefer to hunt on a map? You can see every active listing in Katy right now on the map search on my site, draw your own boundary, and filter to your price range. Prefer your phone? The free Houston Prime Realty app runs on a live MLS feed, so you’ll see new Katy listings and price drops the moment they happen — not the delayed data the national portals show. And if you’d rather I just do the digging, tell me what you’re after and I’ll set up a tailored search, flag the homes actually worth your time, and tell you what a listing photo won’t — about the street, the flood history, the schools, and resale. Want to get to know the area first? Start with my local’s guide to living in Katy.
Get new Katy listings the day they hit the market
If you’d like this search working for you around the clock, sign up below. I’ll set up an alert for your exact budget, and you’ll get an email the moment a new Katy home in your range is listed or drops its price — no spam, and you can opt out anytime.
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Kevan Pewitt · Realtor & Broker · Houston Prime Realty
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
