Hi, sweet friend…
If you’re thinking about purchasing your first home — or you’re ready for a fresh start in a place that feels peaceful, scenic, and full of charm — and Montgomery, Texas is on your radar, you’re in the right place. Montgomery offers a rare blend of affordability, lake access, and beautiful new-construction opportunities, all wrapped in a small-town atmosphere that people fall in love with. Today, I’m sharing the neighborhoods and builders I believe offer the best value, quality, and livability in this special pocket of Montgomery County.
Buying new construction can feel overwhelming, especially when you’re trying to balance affordability with finding a home that actually feels like you. But the good news is that Montgomery has become one of the most appealing areas for buyers who want more space, more nature, and more lifestyle for their money. From peaceful master-planned communities near Lake Conroe to wooded neighborhoods with that classic Texas feel, builders here are creating beautiful homes at prices that make sense — especially for buyers wanting both value and a scenic setting.
Schedule a Call with Jordan – Link
One of the reasons I love helping people move to Montgomery is the balance it naturally offers — a beautiful blend of nature, lake living, charming communities, excellent schools, and quick access to both Conroe and The Woodlands. Whether you’re looking for a move-in-ready home or hoping to build something brand new, Montgomery has options that work for a wide range of budgets and lifestyles. And if you’re unsure where to start, that’s exactly why I create posts like this… so you can skip the overwhelm and jump straight into the neighborhoods that are truly worth your attention.
With that said, I’ve put together a curated list of the most affordable builders and communities in Montgomery, Texas that I’m loving right now — places where your money stretches farther, the homes are thoughtfully designed, and the neighborhoods offer the kind of lifestyle you can grow into. Let’s dive in, friend…
Let’s Explore the Most Affordable Places to Build in Montgomery
Chapel Run
Builder Name(s): Lennar, Starlight Homes
Price Range: $210k – $320k
Chapel Run is a charming new neighborhood offering approachable pricing, well-designed floor plans, and a beautiful natural setting. With several lake-view lots and peaceful streets, the community gives you that quiet-living feel while still being close to shops, schools, and restaurants.
Amenities include: community lake, walking trails, playground areas, and quick access to Lake Conroe recreation.
New Homes for Sale in Chapel Run – Link
Clopton Farms
Builder Name(s): Tri Pointe Homes
Price Range: $367k +
Clopton Farms blends affordability with that classic Montgomery charm. The community offers modern home designs, open layouts, and a comfortable neighborhood feel surrounded by natural beauty. Buyers love its location, peaceful surroundings, and easy commuting options.
Amenities include: community parks, walking paths, and scenic green spaces.
New Homes for Sale in Clopton Farms – Link
Kresston
Builder Name(s): Chesmar Homes, David Weekley Homes, Gracepoint Homes, Lennar, Westin Homes
Price Range: $284k +
Kresston is a growing community known for its affordability, great floor plans, and welcoming neighborhood layout. With wooded surroundings and a convenient location near FM 1486 and Highway 105, Kresston appeals to buyers wanting space and value without feeling far from everything.
Amenities include: parks, ponds, trails, and a peaceful, nature-inspired setting.
New Homes for Sale in Kresston – Link
Lake Conroe Village
Builder Name(s): De Volada Construction, Iconiq Homes, Soriano Homes, Prolific Design, Vendy, Stonecreek Builders, etc.
Price Range: $147k – $215k
Lake Conroe Village is a small but desirable community for buyers looking for approachable pricing near the lake. Homes here offer efficient layouts, low-maintenance living, and the convenience of being just minutes from boating, shopping, and restaurants.
Amenities include: close proximity to Lake Conroe, walkable streets, community parks, and quick access to retail and dining.
New Homes for Sale in Lake Conroe Village – Link
Lone Star Landing
Builder Name(s): M/I Homes
Price Range: $240k +
Lone Star Landing brings modern home design to a peaceful Montgomery setting, offering beautiful interiors, attractive exteriors, and a strong sense of community. Buyers love the gracious lot sizes, low-tax area, and easy access to major roadways.
Amenities include: green spaces, walking areas, and a nature-filled backdrop.
New Homes for Sale in Lone Star Landing – Link
Magnolia Springs
Builder Name(s): Century Communities, CastleRock Communities, First America Homes
Price Range: $255k – $350k
Magnolia Springs is known for its scenic surroundings, tall pines, and newer-feeling community layout. The neighborhood offers a peaceful, tucked-away feel with access to modern home features and popular one- and two-story floor plans.
Amenities include: community lake, walking trails, parks, and wooded views.
New Homes for Sale in Magnolia Springs – Link
Montgomery Bend
Builder Name(s): First America Homes
Price Range: Budget-friendly new construction
Montgomery Bend is a cozy community offering approachable pricing, bright floor plans, and energy-efficient features. It’s a great choice for buyers wanting value and convenience in a smaller, quiet neighborhood setting.
Amenities include: community parks, walking paths, and easy access to Highway 105.
New Homes for Sale in Montgomery Bend – Link
Montgomery Ridge
Builder Name(s): Centex, Pulte Homes
Price Range: $255k – $380k
Montgomery Ridge features well-designed homes with modern finishes and excellent flow. The community’s slightly wooded surroundings and quiet streets offer a peaceful living environment close to Montgomery amenities.
Amenities include: pocket parks, walking areas, and nearby shopping and dining.
New Homes for Sale in Montgomery Ridge – Link
Pine Lake Cove
Builder Name(s): Meritage Homes
Price Range: $230k – $470k
Pine Lake Cove is a picturesque neighborhood known for its lakes, wooded surroundings, and resort-style feel. The homes offer attractive exteriors, open concept layouts, and a setting that feels both peaceful and connected.
Amenities include: lakes, trails, parks, playgrounds, and water views in select sections.
New Homes for Sale in Pine Lake Cove – Link
The Enclave at Spring Branch Crossing
Builder Name(s): Home Creations
Price Range: $240k – $300k
The Enclave at Spring Branch Crossing offers stylish new homes in a convenient Montgomery location, making it ideal for buyers who want newer construction without the all-day commute. The neighborhood has a clean, modern look with homes emphasizing efficiency and livability.
Amenities include: green spaces, sidewalks, and close proximity to local shops and restaurants.
New Homes for Sale in The Enclave at Spring Branch Crossing – Link
The Hills of Town Creek
Builder Name(s): K. Hovnanian Homes
Price Range: $290k – $375k
The Hills of Town Creek is a peaceful, well-designed community offering new homes with beautiful finishes, thoughtful layouts, and a quiet, natural atmosphere. It’s ideal for buyers wanting a serene lifestyle close to Montgomery’s conveniences.
Amenities include: community lake, walking paths, green spaces, and easy access to Lake Conroe.
New Homes for Sale in The Hills of Town Creek – Link
Two Step Farm
Builder Name(s): Coventry Homes, Pulte Homes, David Weekley Homes, Perry Homes, Drees Custom Homes, Partners in Building
Price Range: $375k +
Two Step Farm is a unique, more rural-feeling community offering spacious homesites, fresh air, and a slower pace of living. It’s perfect for buyers who want a little more room to breathe while still being close to Montgomery conveniences.
Amenities include: large lots, open green spaces, and a country-inspired atmosphere.
New Homes for Sale in Two Step Farm – Link
Walden on Lake Conroe
Builder Name(s): Various (many custom & semi-custom; with new construction still available)
Price Range: $290k +
Walden on Lake Conroe is one of the most iconic and beloved communities in Montgomery. Known for its lakeside living, resort-style amenities, and breathtaking scenery, Walden offers a blend of established charm with pockets of new construction for buyers who want both character and something brand new.
Amenities include: a private marina, yacht club, golf course, tennis center, swimming pools, fitness center, trails, playgrounds, lakefront dining, and unmatched Lake Conroe access.
New Homes for Sale in Walden on Lake Conroe – Link
Can You Buy a Home in Montgomery With Little to No Money Down?
Yes, friend — you absolutely can. One of the best parts about buying in Montgomery is that there are multiple loan programs designed to help buyers get into a home without needing a large down payment. Whether you’re purchasing your very first home or looking for something more affordable than other parts of the Houston area, Montgomery offers several options that make homeownership surprisingly accessible.
Many buyers qualify for zero-down or low-down-payment financing without even realizing it. USDA loans cover many parts of the Montgomery area and require no money down for eligible buyers. FHA loans typically require only 3.5% down, and VA loans offer zero down for qualifying veterans and active-duty service members. And with some builders offering closing cost incentives, down payment assistance, or promotional programs, your upfront expenses can be even lower.
Schedule a Call with Jordan – Link
The key is knowing which programs you qualify for and how to structure your loan in a way that works best for you. This is where having the right guidance makes all the difference. If you’re unsure whether you can buy with little or no money down — or if you want help running the numbers based on your income, credit, and goals — I’m here to walk you through every option available in Montgomery. Homeownership might be much closer than you think.
Beyond loan programs, many Montgomery builders are also offering amazing incentives right now — and they can make a huge difference in your upfront costs. Depending on the community, you may find incentives such as paid closing costs, interest rate buydowns, upgraded appliance packages, extended warranties, or even credits toward your down payment. Some builders also partner with preferred lenders who offer additional perks when you choose their financing. These incentives change frequently, but when used strategically, they can dramatically reduce the amount of money you need at closing and make your monthly payment more comfortable. If you’d like help navigating which neighborhoods currently have the best offers, I would love to share what I’m seeing in real time.
How Much Do I Qualify For?
One of the biggest questions I hear from buyers is, “How much home do I actually qualify for?” And truly, this is where the homebuying journey really begins. Your budget isn’t just about your income — it’s a mix of credit, debts, down payment, job history, and the type of loan program you’re using. The good news? Montgomery has options for buyers across a wide range of budgets, and you might qualify for more than you think.
Schedule a Call with Jordan – Link
Most lenders will look at your debt-to-income ratio, your credit score, and the stability of your income to determine a comfortable payment for you. But with today’s mix of loan programs — including USDA, FHA, VA, conventional, and even flexible non-QM options — there are more ways than ever to match buyers with the payment and approval range that makes sense for their lifestyle. Whether you're W-2, 1099, newly self-employed, or somewhere in between, lenders can often get creative in helping you find the right fit.
If you’re unsure where to start or what price range to explore, that’s exactly what I’m here for. I can connect you with trusted lenders who explain everything clearly, run accurate numbers, and help you see your options without any pressure. When you're ready, we can review your ideal payment, walk through different loan scenarios, and create a plan that feels comfortable and realistic for you. Your budget is the foundation — and I would love to help you build on it.
Best Loan Programs for Montgomery
- USDA Loan – $0 down in eligible areas
- VA Loan – $0 down for eligible veterans
- FHA Loan – 3.5% down
- Conventional Loan – 3% to 5% down
- Non-QM Loans – flexible options for 1099, self-employed, or newly contracted buyers
- In-House Loans – There are other 0% down options that you might qualify for!
If you’re not sure which one fits your goals, I can help you explore your options and connect you with a lender who are wonderful at explaining everything clearly.
Ready to Take the Next Step? Let’s Chat.
If Montgomery, Texas is on your heart — whether you’re moving here or moving within the area — I would love to walk this journey with you. You deserve a realtor who listens, educates, advocates, and truly cares about your future home.
If you’re ready to talk through your plans, ask questions, or simply explore your options, you can schedule a call with me here:
Schedule a Call with Jordan – Link
P.S. Here are fun links to homes for sale…
- Homes for Sale in Montgomery with a Swimming Pool – Link
- All New Construction for Sale in Montgomery – Link
- All New Construction for Sale in Montgomery Under $300k – Link
- All Homes for Sale in Montgomery – Link
- Homes for Sale in Montgomery under $400k – Link
P.P.S. Why Montgomery?
Montgomery is one of the most charming and scenic places to live in the Greater Houston area. It’s known for its beautiful landscapes, rolling hills, tall pines, and the peaceful feeling that comes with being so close to Lake Conroe. Montgomery offers that perfect blend of small-town warmth and modern convenience — the kind of place where people slow down a little, enjoy the outdoors, and truly feel connected to their community.
What draws so many families here is the lifestyle. You can spend weekends on the lake, explore scenic trails, grab dinner at a local restaurant in historic downtown Montgomery, or simply enjoy the quiet comfort of a neighborhood surrounded by nature. With highly rated schools, growing amenities, and easy access to Conroe, The Woodlands, and major roadways, Montgomery gives you room to breathe without feeling far from anything you need.
And while Montgomery has a mix of established neighborhoods and beautiful new-construction communities, what makes it truly special is the variety. Whether you’re dreaming of a serene master-planned community, a cozy neighborhood tucked among the trees, or the ability to enjoy lake life every single day, Montgomery offers something for every season of life. It’s the kind of place where people settle in and stay — not just because it’s beautiful, but because it simply feels like home.
Easiest Way to Find the Right Suburb of City For You
Please know that scheduling a call with me is the easiest way to determine which city or suburb is best for you. Helping you figure out the best city or suburb is one of my favorite things to do. I pride myself on many things, but this would be the best first step. From there, I can help you figure out your budget. If you are financing your purchase, I can recommend a fantastic lender. Next, we want to take a look at your timeline, and then the fun begins: we will start house-hunting. Once you have narrowed it down to one or two homes, we start the offer writing process, which is another place I shine. Over the last 10 years, I have established a good reputation with listing agents, and I love this communication process. Once you are under contract on a home, I will navigate you to the closing table, starting with a reputable home inspection recommendation. With Jo & Co. by your side, this whole process will be guided and as seamless as possible.
I cannot wait to get started. Hugs, Jo & Edward.
Schedule A Call with Jo & Co.
Schedule a call at https://byjoandco.com/call or email me at [email protected].
How to Navigate Our Blog
I know that there are so many neighborhoods, communities, and cities to choose from in the Houston area, and I know there is one that perfectly fits your needs. If you need help navigating, please reach out to me by scheduling a call or sending me an email. Two other amazing resources are this blog and our YouTube Channel. The easiest way to navigate the blog is by using the search bar near the top right, or by using the categories. This page is here for you, to help you navigate our website (blog) by nicely organizing the most popular blog categories…
By City
| All about The Woodlands TX – Click here. | All about Spring TX – Click here. | All about Conroe TX – Click here. |
| All about Katy TX – Click here. | All about Klein TX – Click here. | All about Tomball TX – Click here. |
| All about Cypress TX – Click here. | All about Magnolia TX – Click here. | All about Montgomery TX – Click here. |
| All about Fulshear TX – Click here. | All about Humble TX – Click here. | All about Kingwood TX – Click here. |
| All about Missouri City TX – Click here. | All about Galveston TX – Click here. | All about Richmond TX – Click here. |
| All about Sugar Land TX – Click here. |
Most Popular Blog Categories
| Buying – Click here. | Relocating – Click here. | First Time Home Buying – Click here. |
| Houston TX: Where to Live – Click here. | The Best – Click here. | Houston Suburbs – Click here. |
| Ebooks & Relocation Guides – Click here. | YouTube Playlists – Click here. | Schools – Click here. |
| New Construction – Click here. | Property Taxes – Click here. | Moving to Texas – Click here. |
| Selling – Click here. | Favorite Neighborhoods – Click here. | First Visit – Click here. |
Learn About Our Neighborhoods by City
| Atascocita TX Neighborhoods – Click here. | Brookshire TX Neighborhoods – Click here. | Conroe TX Neighborhoods – Click here. |
| Cypress TX Neighborhoods – Click here. | Family Friendly & Kid Friendly Neighborhoods – Click here. | Fulshear TX Neighborhoods – Click here. |
| Galveston TX Neighborhoods – Click here. | Hockley TX Neighborhoods – Click here. | Humble TX Neighborhoods – Click here. |
| Kingwood TX Neighborhoods- Click here. | Klein TX Neighborhoods – Click here. | Magnolia TX Neighborhoods – Click here. |
| Missouri City TX Neighborhoods – Click here. | Montgomery TX Neighborhoods – Click here. | New Caney TX Neighborhoods – Click here. |
| Pinehurst TX Neighborhoods – Click here. | Spring TX Neighborhoods – Click here. | Sugar Land TX Neighborhoods – Click here. |
| Tomball TX Neighborhoods – Click here. | Willis TX Neighborhoods – Click here. | Villages of The Woodlands TX – Click here. |
What's Next?
Schedule a call at https://byjoandco.com/call or email me at [email protected].
Thank You!
I hope you have found this blog post super helpful. If there is anything else we can do for you, including helping you sell (or buy) a home, I would be honored to assist. I hope you have a great day/evening. Cheers, E + J.
We are so happy you found our little corner of the interwebs. We look forward to y'all reaching out to us. We love to answer questions and welcome them. Recently we created some local maps, and you can download those by clicking the image/link above. Below, you will find an index of some very helpful information to assist you in learning more about the Houston suburbs. If you are relocating to our neck of the woods, we hope you reach out to us, because we would love to help you by being your local realtor and friend. Thoughtfully written for you. Hugs, Jo.
We are Waiting for You
If you are looking to relocate to the Houston Area, we would love to meet you, and hear your story. Below you will find all of my contact information, as well as some homes for sale in the area. We truly look forward to hearing from you! P.S. Don't forget to check out our YouTube Channel!
If you are overwhelmed…
Now if you are feeling overwhelmed on where you should plant your roots, I would love to talk to you. You can schedule a call with me by clicking this link: http://byjoandco.com/call or just send us an email: [email protected]. There are some amazing communities all over the Houston suburbs. In this post, https://search.byjoandco.com/blog/best-neighborhoods-in-houston/, I deep dive into all the different suburbs/neighborhoods that you might want to consider, and why. There are many resources here, so please reach out if you are curious about what to look at next! Thank you for trusting us.
What next?!
• Navigate our Blog: https://byjoandco.com/categories-to-help-you-navigate-the-blog/
• Download our Moving to Texas ebook! http://byjoandco.com/movingtotexasebook.
• Download our Where to Live in Houston Texas ebook! http://byjoandco.com/wheretoliveebook.
• Browse our Ebooks and Relocation Guides: http://byjoandco.com/ebooks
• Schedule a phone call or appointment with us! http://byjoandco.com/appointment.
• Email us! [email protected].
• Looking for a buyer’s agent? Fill out our buyer questionnaire! http://byjoandco.com/q.
• Ready to find your dream home? Search, http://search.byjoandco.com.
• Subscribe to our YouTube Channel: http://byjoandco.com/youtube.
