Palmer Homes under $400,000

Welcome to Palmer, Texas—a hidden gem nestled in Ellis County that perfectly blends small-town charm with modern conveniences. Just a short drive from the bustling city of Dallas, Palmer offers a serene escape while keeping you connected to urban amenities. With its friendly community, rich history, and beautiful landscapes, it’s no wonder that families and individuals alike are finding their dream homes in this picturesque town.

Palmer boasts a variety of homes under $400,000, making it an ideal choice for first-time homebuyers and those looking to invest in a growing community. From cozy single-family residences to spacious townhomes, there's something for everyone. Many properties feature inviting yards, modern finishes, and easy access to local parks and recreational areas, perfect for enjoying the great Texas weather.

In addition to affordable housing, Palmer offers a tight-knit community where neighbors become friends. Local events, farmers' markets, and seasonal festivals bring residents together, fostering a sense of belonging that’s hard to find in larger cities. The town is also home to excellent schools, ensuring that families have access to quality education.

Explore Palmer’s welcoming atmosphere and discover the diverse housing options available under $400,000. Whether you’re looking to settle down or invest, Palmer is the perfect place to call home. Experience the charm, convenience, and community spirit that makes this town truly special—your dream home awaits!

Newest Palmer Homes under $400,000

$250,000

3 Beds ⋅ 2 Baths ⋅ 21391538 MLS

Welcoming Palmer home on nearly half an acre..... Fully loved and updated, ready for its next chapter! The current owner has invested real time and money where it matters: roof updated, foundation repaired, fresh paint, and flooring. Although there are still a few details to address this home makes them worth it.. The layout is quiet the standout! The living area is deliberately separated from the kitchen, giving you that rare bit of privacy, a comfortable, functional flow that's hard to find in today's builds. With two generous guest bedrooms, each with good space to stretch out and make your own.Then there's the backyard.... Sitting on 0.459 acres, There's room for the kids to run, game nights, and plenty of space for family and friends to gather around. Ready get small-town warmth with an easy sense of community? This is a must-see, plain and simple. Come walk through and picture your life here! PSA: The photos have been virtually staged to help prospective buyers envision the property as their future home. All information is deemed reliable but not guaranteed. Buyer and buyer's agent to verify all information.

206 E Canton St, Palmer

$265,000

3 Beds ⋅ 2 Baths ⋅ 21394334 MLS

Welcome to 420 Choice Dr, a beautifully updated home situated on 0.65 acres outside the city limits of Palmer, TX. The home has been extensively updated throughout, offering a fresh, modern feel with numerous improvements both inside and out. Major updates include flooring completed in August 2024, a water heater replaced in 2024, HVAC system updated in 2023, and a roof replaced in April 2025. Exterior improvements include a covered front patio added in April 2025, a concrete slab added to the backyard patio area in May 2025, and a carport added in June 2024, attached to the detached garage for additional covered parking and storage. With a spacious lot and an extensive list of updates already completed, this property offers the space and comfort you’ve been looking for without the hassle of taking on major projects. Come see all that 420 Choice Dr has to offer! Ask about the FHA 100% Down Payment Assistance Program that's available!

420 Choice Dr, Palmer

$225,000

4 Beds ⋅ 2 Baths ⋅ 21391802 MLS

Photos coming soon, check out this 4 Bedroom 2 Bath location is great. Come see it and make it your own.

201 N Stacks St, Palmer

$345,000

4 Beds ⋅ 2 Baths ⋅ 21389965 MLS

Rate Buy down available for 5.59% Blowout Specials Phase II - Price improvement + Closing Costs! New Construction home - No HOA - in the Copper Penny Estates community in Palmer, TX! This stunning 4-bedroom, 2-bath home blends modern style with everyday comfort and is designed for both entertaining and family living. The gourmet kitchen is truly the heart of the home, featuring a gas cooktop, exposed stainless steel vent hood, granite countertops, abundant cabinetry, and a massive center island perfect for gathering. Luxury vinyl flooring flows throughout the main living areas, adding both durability and style. The open living room and breakfast area are filled with natural light and highlighted by a dramatic floor-to-ceiling tiled electric fireplace with heat blower and multi-color flame options, creating a striking architectural focal point. The private primary suite offers a tray ceiling, ceiling fan, and a spa-like en-suite bath complete with dual quartz vanities, soaking tub, separate shower, and a custom walk-in closet. A split-bedroom layout provides added privacy for the primary suite. Step outside to a large fenced backyard with a covered patio—ideal for relaxing evenings or weekend entertaining. Additional features include a spacious utility room with cabinets, utility sink, and drip area for added convenience. Located in the charming Copper Penny Estates community in Palmer, TX. Ask about Incentives

420 E Lamar St, Palmer

$310,000

4 Beds ⋅ 2 Baths ⋅ 21375237 MLS

INCREDIBLE BUYER INCENTIVES: $5,000 MORTGAGE CONCESSION. Opendoor Home Loans will contribute up to $5,000 towards a permanent interest rate buy-down if you finance with Opendoor Home Loans LLC. 301 E Jefferson St is a Palmer residence with a functional layout. The kitchen features a walk-in pantry and stainless steel appliances, creating a well-equipped space for cooking and entertaining. Interior paint extends throughout, and a dedicated laundry room adds utility. The primary bathroom includes double sinks for everyday convenience and a jacuzzi tub. A covered patio extends the living space outdoors, flowing to a fully fenced backyard that creates ample room for relaxation and entertaining. An attached garage completes this well-maintained residence with practical amenities and comfortable living spaces throughout every room. Home comes with a 100-Day Home Warranty

301 E Jefferson St, Palmer

$300,000

4 Beds ⋅ 2 Baths ⋅ 21351824 MLS

Welcome home to this beautifully updated 4-bedroom, 2-bath home situated on an oversized lot in the peaceful community of Palmer! Located in a quiet, established neighborhood with no HOA, this property offers the perfect combination of comfort, flexibility, and convenience. Inside, you'll find an inviting open-concept layout featuring wood-look tile throughout the main living areas, recessed lighting, and a stunning modern kitchen designed for both everyday living and entertaining. The kitchen boasts granite countertops, a large island with a breakfast bar, a striking linear chandelier, abundant cabinetry, a stainless steel farmhouse sink, commercial-grade range, and matching stainless steel appliances, all opening seamlessly to the dining area. The versatile fourth bedroom offers endless possibilities and can easily serve as a home office, game room, or flex space to fit your lifestyle. The spacious primary suite features a walk-in closet and a private ensuite bath for your own retreat. Thoughtfully updated around 2022, major improvements include the HVAC system, roof, windows, water heater, refrigerator, dishwasher, and stove, offering peace of mind for years to come. Step outside to enjoy the fully fenced backyard with plenty of room to play, garden, or entertain. Additional highlights include a large 3-car carport, workshop, storage shed, and covered front and back patios. This move-in-ready home offers exceptional indoor and outdoor living with space for everyone.

611 S Dallas St, Palmer

$251,000

3 Beds ⋅ 2 Baths ⋅ 21345830 MLS

Welcome to this charming property, boasting a fresh interior paint job in a neutral color scheme that will complement any decor. The kitchen is a standout feature with an accent backsplash adding a touch of elegance. Partial flooring replacement ensures a modern touch throughout the home. The primary bedroom includes a walk-in closet. The fenced-in backyard offers privacy and a perfect space for outdoor relaxation. This property is a must-see for those seeking a home that combines style and comfort. Don't miss out on this gem! Included 100-Day Home Warranty with buyer activation.

112 Halifax Cir, Palmer

$388,900

3 Beds ⋅ 2 Baths ⋅ 21340223 MLS

Nicely updated home located in Palmer ISD - the highest ranked school district in Ellis County - sits on ABSOLUTELY BEAUTIFUL, HEAVILY WOODED 2.5-acre lot creating a PRIVATE RETREAT. Tree-lined driveway welcomes you thru remote controlled security gate. Enjoy a cup of coffee on the wrap around front porch spanning approx 250sf surrounded by lovely landscaping, mature trees & country wildlife. Inside, find attractive wood-look tile flooring in main living areas & bedrooms, 10-ft ceilings in kitchen & living, a WBFP with mantel & large double wide window framing the view. Beautifully updated kitchen features quartz counters, GE Café appliances that are less than 2 years old, gas cooktop, under-mount farmhouse sink, decorative backsplash, pantry, 36-inch cabinets, under-cabinet lighting, recessed lighting, pendant lighting over the peninsula & a vent hood with storage above. Primary suite offers a small walk-in closet & an adjacent hall closet for extra space. The en-suite bath includes custom lighting & fixtures, an amazing bath & shower set up, spacious medicine cabinet & stylish finishes. Guest bath features large walk-in shower & a bidet toilet seat. Additional features include a utility room with cabinets & extra storage, all new interior doors (except 2 closet doors), new front & rear entry doors, gutters with gutter guards on the home & garage, security cameras, abundant parking, & oversized detached garage with electric & built-in workbench which could also be a workshop, hobby space, or future man cave. 2 mature pecan trees, 3 young apple trees, & a plum tree. 2 raised garden beds, 4 exterior water faucets, outdoor storage closet, & separate storage shed with water & electric. Property boundaries extend into wooded areas - refer to survey included in listing photos. New 30-yr roof installed & full exterior paint completed! Small overflow pond with potential. Outside city limits! USDA Loan Qualified! Only 5 minutes to I-45 & 15 minutes to I-35 & 287.

1229 Epps Rd, Palmer

$297,500

3 Beds ⋅ 2 Baths ⋅ 21288631 MLS

Welcome Home to 107 Meadowlark Drive! Nestled in the charming Meadows of Palmer community, this well-loved 3-bedroom, 2-bathroom brick home offers the perfect blend of comfort, character, and space. With thoughtfully laid-out living space on a generous lot, there's room to live, relax, and grow. Step inside and you'll immediately notice the warmth of the wood-burning fireplace, elegant arch entryways, and an open kitchen that flows naturally into the main living areas perfect for entertaining or everyday family life. The primary suite is a true retreat, featuring a garden tub, separate stand-up shower, and an oversized walk-in closet. Out back, a spacious yard offers endless possibilities for kids, pets, or weekend gatherings.

107 Meadowlark Dr, Palmer

$359,999

4 Beds ⋅ 2 Baths ⋅ 21278225 MLS

Price Improvement Blowout Phase II! New Price + $10,000 in closing costs. Newly Constructed Modern Home w Architectural Details! Beautifully crafted for modern living! 4 spacious bedrooms & 2 full baths, this home offers ample space for families to grow. The living room creates a warm, welcoming atmosphere, featuring a stunning floor-to-ceiling marble fireplace. The kitchen is a chef’s dream, complete w a massive quartz island & eating bar, gas cooktop w a decorative vent hood, & stylish pendant lighting. Stainless steel appliances, a farmhouse sink, decorative cabinet pulls, and abundant cabinetry provide both functionality and elegance. Additional highlights include a large utility room w a built-in sink & cabinetry, luxury vinyl plank flooring, & soaring 10-foot ceilings throughout. Primary Bedroom & Ensuite bath has large tub w separate shower. Custom walk in closet. Outside, enjoy a covered patio, fully fenced backyard, and sprinkler system to keep your landscape lush. Move in and enjoy every thoughtfully designed detail in this stunning home! Convenient commute to DFW. Award winning Palmer ISD! There are other homes available now take a tour today of Copper Penny Estates. Total community will have 35 homes when completed! Ask about incentives!

340 E Lamar St, Palmer

$385,999

5 Beds ⋅ 3 Baths ⋅ 21278317 MLS

Phase II Price Improvement Blowout! New price + closing costs $10,000 paid! Country living in this stunning new construction home in Palmer, Texas. Designed with both everyday comfort and entertaining in mind, this spacious 4 to 5 bedroom, 3-full-bath home offers thoughtful design and stylish finishes throughout. The heart of the home is the gourmet kitchen in warm neutral colors, featuring a massive quartz island, striking custom cabinetry, designer backsplash, and a modern vent hood above the gas range—perfect for cooking, gathering, and hosting family and friends. The inviting living room is filled with abundant natural light and anchored by a sleek electric fireplace with blower and dramatic floor-to-ceiling tile surround, creating a warm and stylish focal point. Luxury vinyl flooring flows through the main living areas for durability and easy maintenance. The private primary suite offers a relaxing retreat with elegant shelf ceiling details, along with a spa-inspired ensuite bath featuring dual sinks, a soaking tub, and separate shower. Upstairs, there is a 5th bedroom with full bath & closet or can be a spacious game room, which provides the perfect hangout for teens, movie nights, or additional family living space. Located in the heart of Palmer ISD, one of the area’s most sought-after school districts, this home offers peaceful country living with the convenience of a short 35-minute commute to the Dallas-Fort Worth Metroplex. A must-see opportunity to enjoy modern style, space, and small-town charm. There are other homes available for tour in the Copper Penny Estates Subdivision. Ask about Incentives

350 E Lamar St, Palmer

$330,000

3 Beds ⋅ 2 Baths ⋅ 21258075 MLS

This beautiful custom 3 bed, 2 bath home with an open floor plan offers trey celings in the living room and primary bedroom. A wood burning fireplace, brand new carpet in the bedrooms and wood like tile throughout the main areas. Kitchen offers granite countertops, custom cabinets, stainless appliances, trash pullout and walk-in pantry. Primary suite has a barn door going into the bathroom which features a garden tub, dual sinks, decorative shower, and walk-in closets. The secondary bedrooms also offer walk-in closets as well. Outside offers rain gutters around the house, covered porches, and an added pergola- perfect for relaxing. Schedule your showing, come and see it, you don't want to miss this!!

103 Palomino Dr, Palmer

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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.

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