Elgin Homes under $300,000

Welcome to Elgin, Illinois—a vibrant city that beautifully blends rich history with modern living. Nestled along the scenic Fox River, Elgin is renowned for its picturesque landscapes, thriving arts scene, and a warm, welcoming community. With a population of over 110,000 residents, Elgin boasts a diverse array of cultural experiences, from local festivals to art galleries and theaters, making it a delightful place to call home.

For those seeking affordable housing options, Elgin is an excellent choice, particularly for homes under $300,000. This charming city offers a variety of properties, from cozy bungalows to spacious townhomes, ensuring there’s something for every taste and lifestyle. Whether you're a first-time homebuyer, a growing family, or looking to downsize, Elgin's real estate market provides a wealth of opportunities without breaking the bank.

Living in Elgin means enjoying access to excellent schools, beautiful parks, and a variety of recreational activities. The city is also well-connected, with easy access to major highways and public transportation, making commutes to nearby Chicago and other suburbs both convenient and efficient.

Discover the charm of Elgin, where affordability meets quality of life. Explore the inviting neighborhoods and find your dream home today—your perfect blend of comfort, community, and culture awaits! Embrace the opportunity to live in a city that truly has it all, all while staying within your budget.

Newest Elgin Homes under $300,000

$220,000

2 Beds ⋅ 2 Baths ⋅ 12776258 MLS ⋅ NEW Status ⋅ Manor Homes Of Century Oaks BLDG.

FIRST FLOOR 2 BEDROOMS - 2 BATHS - EAT IN KITCHEN -SLIDERS FROM KITCHEN OR LIVING ROOM LEADS TO EXTENDED PATIO AREA - KITCHEN WITH GRANITE COUNTERTOP - GLASS SPLASH BACK - ALL APPLIANCES - FORMAL DINING - EAT-IN KITCHEN - MASTER BEDROOM WITH WALK-IN CLOSET - SINK AND COUNTER WITH SEPARATE BATH AREA - NEWER CARPET AND SOME WINDOWS AND DOORS - HALLWAY LEADS TO ATTACHED GARAGE - FRESHLY PAINTED AND WAITING FOR NEW OWNER

3 Creekside Circle Unit #B, Elgin

1676 Pebble Beach Circle Unit #1676, Elgin

$275,000

2 Beds ⋅ 2 Baths ⋅ 12778254 MLS ⋅ NEW Status

Located in Elgin's College Green subdivision and served by South Elgin High School, this inviting townhome combines peaceful surroundings with move-in-ready comfort! Backing to open space and walking paths, the home offers lovely green views and a relaxing place to unwind. Soaring ceilings create an airy feel in the family room, while hardwood flooring and a fireplace add warmth and character. Freshly painted throughout, with new carpeting in the bedrooms and stainless steel appliances, the home feels welcoming from the moment you enter. Its interior-unit location means fewer exposed exterior walls, which can help keep it cooler in summer and warmer in winter than an end unit. College Green's neighborhood park, playground, and paved paths complete this appealing setting. Move right in and enjoy the comfort, views, and peaceful surroundings! Some photos have been virtually staged.

1676 Pebble Beach Circle Unit #1676, Elgin

$219,900

2 Beds ⋅ 1 Baths ⋅ 12777844 MLS ⋅ NEW Status

This charming 2-bedroom, 1-bath, single-story home offers a fresh, move-in-ready interior with recent paint and new flooring throughout. The convenient one-level layout provides comfortable living space without the upkeep of a larger home. A full unfinished basement offers plenty of room for storage, utilities, and additional usable space. Whether you're a first-time buyer, looking to downsize, or searching for an investment opportunity, this home offers a great combination of affordability and potential. Conveniently located near shopping, dining, schools, parks, and all that Elgin has to offer. Schedule your showing today! All offers reviewed

461 Franklin Boulevard, Elgin

$226,000

1 Beds ⋅ 2 Baths ⋅ 12778048 MLS ⋅ NEW Status

Beautifully maintained townhome in desirable Kennington Square featuring an open-concept main floor that's perfect for everyday living and entertaining. The spacious primary suite offers a private retreat, while the versatile loft is ideal for a home office, reading nook, or additional living space. The finished basement includes a separate laundry room, and extra storage, providing flexible living options for guests or extended family. This well cared for townhome combines comfort, functionality, and low-maintenance living in a sought-after community. INVESTOR FRIENDLY

1312 Kenneth Circle, Elgin

$160,000

2 Beds ⋅ 1 Baths ⋅ 12737418 MLS ⋅ NEW Status ⋅ Park Terrace Condos BLDG.

Welcome home to this move in ready, well maintained 2-bedroom, 1-bath condo offering a comfortable layout. Fresh paint and new carpeting give the home a clean, refreshed feel, while the hardwood floors add warmth and character. The kitchen offers plenty of cabinet and counter space for everyday use. Two sliding glass doors provide access to the rear deck, extending the living space outdoors. The bathroom features a new vanity, and in-unit laundry adds everyday convenience. Recent building improvements include a new roof and siding completed in 2025. Just a short walk from Lords Park, where wooded grounds, walking trails, recreational areas, playgrounds, and other park amenities offer plenty of opportunities to enjoy the outdoors.

774 Terrace Court Unit #R, Elgin

$255,000

2 Beds ⋅ 2 Baths ⋅ 12768173 MLS ⋅ NEW Status ⋅ Cobblers Crossing BLDG.

Welcome to 1055 Woodhill Ct, a beautifully maintained 2-bedroom, 1.5-bath townhome in Elgin's desirable Cobblers Crossing community. Step inside to an inviting open-concept layout featuring a spacious living room with vaulted ceilings and a separate dining area with direct access to the patio-perfect for relaxing or entertaining. The kitchen offers plenty of cabinet space with oak cabinetry, stainless steel appliances, and a convenient eat-in area. Upstairs, a versatile loft provides additional space for a home office, reading area, or flex space. The spacious primary bedroom features vaulted ceilings and two closets, including a walk-in closet, while the second bedroom offers additional flexibility for guests or everyday living. The full hall bathroom includes a dual-sink vanity for added convenience. Enjoy the ease of an attached garage, private patio, and a low-maintenance lifestyle in a well-established community. Conveniently located near shopping, dining, parks, schools, and major roadways with easy interstate access, this home offers comfortable living with plenty of space and convenience. Come see everything 1055 Woodhill Ct has to offer! Property is sold as is

1055 Woodhill Court, Elgin

$250,000

2 Beds ⋅ 2 Baths ⋅ 12775766 MLS ⋅ ACTIVE Status

Welcome home to this gorgeous upper-level ranch-style townhouse! Meticulously maintained and in pristine condition, this beautiful home has been freshly painted and offers an inviting open floor plan with vaulted ceilings in the living room, dining room, and primary bedroom, creating a bright and spacious feel. The home also offers plenty of generous closet space, providing excellent storage. Abundant windows fill the home with natural light, while the sliding glass door off the living room opens to a generously sized deck-perfect for relaxing, entertaining, or enjoying warm summer evenings. On chilly nights, cozy up by the fireplace and enjoy the warmth and comfort of home. The garage features an EV charging outlet, offering added convenience for your electric vehicle. Enjoy the peaceful view of the beautiful pond located just across the street. Conveniently located near shopping, dining, and everyday amenities, including Jewel-Osco and many more. A wonderful combination of comfort, style, natural light, ample storage, and a convenient location-this move-in-ready home is truly a must-see!

730 Ripple Brook Lane, Elgin

$284,900

3 Beds ⋅ 2 Baths ⋅ 12774788 MLS ⋅ ACTIVE Status

Welcome home to this charming ranch conveniently located near a school! With 3 bedrooms, 2 full baths, and a full basement, there's room to settle in and make it your own. Two additional basement rooms offer flexible space for a home office, hobbies, a workout area, or storage. The 2-car garage features an addition with potential for extra storage or an enclosed porch. Enjoy peace of mind with Roof that is only 18 months old, and AC is only 2 years old. Bring your personal touches and discover all the possibilities this home has to offer. Schedule your showing today!

115 S Du Bois Avenue, Elgin

$274,900

3 Beds ⋅ 2 Baths ⋅ 12775105 MLS ⋅ ACTIVE Status

Welcome to this beautifully updated three bedroom, one and a half bath townhome in the Garden Quarters community on the desirable West side of Elgin, conveniently located next to Wing Park! One of the few townhomes in the community with a one car attached garage, this home has been thoughtfully improved by the current owner with numerous updates throughout. The main level features spacious living and dining areas with new coastal inspired luxury plank flooring installed in 2025 that is fully waterproof and backed by a 50-year warranty, along with updated kitchen lighting, a convenient coffee bar, and an impressive collection of stainless steel appliances, including a 2024 four-door refrigerator with a convertible bottom compartment for flexible refrigerator/freezer storage, 2023 stove, 2024 microwave, and 2022 dishwasher. The spacious bedrooms provide plenty of room, while the primary bedroom features wall to ceiling mirrored sliding closet doors with built in shelving. The upstairs full bathroom has been updated with recessed lighting and decorative ceiling paneling (2025) Major mechanical and structural improvements include a completely new HVAC system in 2021, including furnace, A/C and humidifier, new windows in two non primary bedrooms, R-40 insulation throughout the attic, the crawl space was improved with a moisture barrier. As well as a new roof in 2025, gutters and gutter guards maintained by the association. The backyard is a true private retreat with a composite deck added in 2020, hot tub added in 2021, maintenance free astroturf, outdoor string lighting, and a dedicated hot/cold water hose connection added in 2024 for servicing the hot tub. The garage has also been extensively improved with a new garage door and side door in 2024, a 2025 smart garage opener with MyQ remote access and camera, updated lighting, spacious storage and a workbench. Additional features include digital locks on the front and garage doors, exterior security cameras (staying), a whole house reverse osmosis water filtration system connected to the refrigerator in 2025, thermostat controlled rear gutter de-icing, and a washer and dryer from 2018. With extensive owner improvements, thoughtful updates, exceptional storage, smart home features, a private backyard oasis, and a rare attached garage, this home offers a fantastic opportunity to enjoy a move in ready townhome in a desirable west Elgin location. This is a must see!!!! CAMERA DISCLOSURE: Interior camera with video and audio recording is present in the home. (FYI balcony is owner responsibility and decorative) Access is at your own risk; please do not access the balcony during showings.

6 Cypress Square, Elgin

$215,000

2 Beds ⋅ 2 Baths ⋅ 12775142 MLS ⋅ PRICE CHANGE Status

This inviting 2-bedroom, 2-bath condo offers a comfortable and functional layout with plenty of space to make your own. The home features a bright living area, a well-designed kitchen, and generously sized bedrooms, including a primary suite with a private bath. With two full bathrooms and a versatile floor plan, the home provides both convenience and privacy. Conveniently located near shopping, dining, parks, and major roadways, this property offers a great combination of comfort and accessibility. Schedule your showing today and see all this Elgin home has to offer!

1011 Sommerset Court Unit #C, Elgin

$280,000

2 Beds ⋅ 3 Baths ⋅ 12775113 MLS ⋅ ACTIVE Status

Welcome home to this spacious end-unit townhome in the highly desirable Fieldstone subdivision! With additional windows and an abundance of natural light, this home feels bright, open, and inviting from the moment you step inside. The open floor plan makes everyday living and entertaining easy, with a dramatic volume ceiling in the family room and a spacious kitchen featuring a center island and plenty of room to gather. One of the best features of this home is just outside the patio door. Step outside to a park-like open area with nearby walking trails, giving you a beautiful outdoor setting to enjoy without all the maintenance. With exterior maintenance, lawn care, and snow removal taken care of, you can spend more time enjoying your home and less time maintaining it. Upstairs, the generous primary suite offers a private retreat with a walk-in closet and ensuite bath. The spacious loft adds even more flexibility. Perfect for a home office, sitting area, or easily converted into a third bedroom! And there's even more space downstairs! The finished basement features a huge room ready to become whatever fits your lifestyle. A recreation room, home theater, exercise room, guest space, additional bedroom, or a combination of uses. The possibilities are endless! With 2 1/2 baths, flexible living spaces, abundant natural light, and a desirable end-unit location, this is more than just a townhome. It offers the space and versatility to truly make it your own. Add the convenience of low-maintenance living along with easy access to the train, expressway, shopping, and dining, and 1514 Keystone Ct is ready to welcome you home!

1514 Keystone Court, Elgin

$65,000

2 Beds ⋅ 2 Baths ⋅ 12773502 MLS ⋅ ACTIVE Status

Spacious one-level living, a garage and low lot rent come together in this 2-bedroom, den and 2-bath home in Willow Lake Estates, an age-qualified 55+ community in Elgin. Vaulted ceilings and a generous floor plan give this home an open, comfortable feel with more living space than you might expect. The kitchen offers plenty of cabinet and counter space along with an eating area, while the living room provides plenty of room to gather and relax. An additional flexible living area can easily serve as a home office, secondary sitting room or third bedroom. The primary suite includes a large ensuite bath with a soaking tub and separate shower. A second bedroom and full hall bath offer additional space for guests/family, while a dedicated laundry/mud room includes the washer and dryer. Several recent improvements add to the appeal, including a new roof in 2025, luxury vinyl plank flooring added in 2024, newer appliances and a water heater just two months old. The tandem garage provides covered parking along with additional room for storage or workshop. Just across the street from the Fox River, Willow Lake Estates offers a lifestyle that extends beyond the home. Community amenities include stocked fishing lakes, a beach, lakeside gazebo, heated outdoor pool, clubhouse, fitness center, library, shuffleboard, horseshoes and more. Lawn care and snow removal are also included, leaving more time to enjoy the community and everything nearby including hospital, shopping & dining. It's the kind of community where neighbors know one another, there's always something to enjoy, and it's easy to feel right at home

1130 Country Club Road, Elgin

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