Texas continues to be one of the fastest-growing states in the U.S., and with good reason — the cost of living, job opportunities, and housing availability make it attractive for families, professionals, and retirees alike. But for homebuyers specifically, there’s one trend gaining serious momentum: new construction homes in suburban communities.
What’s making these properties even more appealing in 2025? Builder incentives. With the right program, you could save thousands on your next home.
Why New Builds Are the Smarter Choice in 2025
Buying a resale home often comes with hidden costs — renovations, outdated systems, or high maintenance. That’s why new construction has become the go-to option for buyers seeking peace of mind and long-term value.
Top advantages of new construction homes:
Modern layouts with open-concept designs
Energy-efficient appliances and building materials
Builder-backed warranties
Little to no immediate maintenance required
Add in builder incentives, and the total savings can be substantial — especially compared to homes needing updates.
The Best Locations for New Homes Under $400,000
Red Oak
Located just south of Dallas, Red Oak is quickly becoming a hotspot for new home developments. It offers an ideal mix of affordability, local amenities, and strong school districts.
Midlothian
Midlothian remains a favorite among buyers looking for space, safety, and value. Many homes under $400K offer large lots, upgraded interiors, and community features like parks and trails.
Forney
This fast-growing city east of Dallas has been booming with new subdivisions. With its great schools and commuter-friendly location, Forney has become a magnet for young families.
In each of these cities, builders like Bloomfield Homes are offering limited-time incentives that can reduce your closing costs or monthly mortgage payments.
What to Expect from Builder Incentives
Builder incentives vary by location and market conditions, but common benefits include:
Interest rate buydowns
Assistance with closing costs
Free upgrades or design center credits
Reduced down payment requirements
These incentives help reduce upfront expenses, giving buyers more flexibility and peace of mind. If you're unsure which offers are active in your area, it's smart to start your research early.
Conclusion
As Texas suburbs continue to expand, new construction homes under $400,000 are offering buyers more value than ever. With lower maintenance, flexible layouts, and builder-backed savings, now is the time to make a move.
Whether you're a first-time buyer, downsizing, or relocating, take the time to explore how current builder incentives can work in your favor. The right opportunity could be waiting just outside the city.