If you're looking to purchase a home in Texas without stretching your budget, you're in luck. Several fast-growing cities around Dallas are offering modern, spacious homes for under $400,000 — and they’re attracting attention from first-time buyers, investors, and relocating families alike.

Red Oak, Forney, and Midlothian are three of the most promising cities where your dollar goes further. And with tools like the Hybrid Agent Program, you can even get a portion of your agent’s commission back — helping you save even more at closing.

1. Red Oak, TX: Suburban Living with City Access

Red Oak is a charming city located just 20 minutes south of Dallas. Known for its peaceful neighborhoods and fast commute options, Red Oak is ideal for families and remote workers.

Home Features Under $400K:

• 3–4 bedroom homes with modern finishes

• New construction communities with open layouts

• Large yards and two-car garages

Red Oak is expanding quickly, and builders like Bloomfield Homes are offering move-in-ready options. For the latest deals and commission rebate opportunities in Red Oak

2. Forney, TX: A Booming Market for First-Time Buyers

Just east of Dallas, Forney is one of the fastest-growing cities in Kaufman County. It’s known for top-rated schools, new shopping centers, and a strong sense of community. If you're looking for affordability combined with modern development, Forney delivers.

Homes Under $400K Typically Offer:

• New builds with energy-efficient features

• Family-friendly subdivisions with amenities like parks and trails

• Proximity to Highway 80 and I-20

Forney continues to attract buyers who want newer homes without city prices. Many builders in Forney also participate in commission rebate programs. To see what’s available, visit:
https://hybridagenthomes.com/bloomfield-homes-incentives/

3. Midlothian, TX: Quiet, Clean, and Full of Potential

Midlothian is often overlooked, but that’s quickly changing. Located between Dallas and Fort Worth, this Ellis County gem offers a small-town atmosphere with big development potential. It’s especially appealing to buyers who want peaceful surroundings and solid long-term value.

What You’ll Find Under $400,000:

• Brick homes on large lots with mature trees

• New construction homes near schools and community parks

• Less competition compared to inner-city markets

With its balanced market and builder-friendly environment, Midlothian is a great place to stretch your budget without giving up on comfort or quality.

Maximize Your Savings with the Hybrid Agent Advantage

In any of these cities, pairing your home search with the Hybrid Agent Program can help you save up to 50% of your agent’s commission at closing. That means thousands of dollars back in your pocket — whether it’s used for closing costs, upgrades, or furniture.

• No added fees or catches

• Works with new and existing homes

• Available with participating builders like Bloomfield Homes

Final Thoughts

Texas continues to lead the nation in affordable housing opportunities, and cities like Red Oak, Forney, and Midlothian are proof. With strong infrastructure, great schools, and homes priced under $400,000, these communities provide the ideal balance between cost, quality, and location.

Whether you're upgrading, investing, or buying your first home, now is the time to act — especially while builder incentives and commission rebates are available.