What Can You Buy Under $300K in West Fort Worth? A Real 76108 Example

By Dina Morales | Selling Fort Worth
Published: September 24, 2026
Listing check: September 24, 2026. Price and availability can change; verify before publishing and before scheduling a tour.

Yes, homes under $300,000 do exist in West Fort Worth. One current example is 9929 Long Rifle Dr in the 76108 ZIP code, advertised at $269,000 when this article was prepared. It shows that a buyer in this range can encounter a detached, single-story, three-bedroom home with a two-car garage. One listing does not tell us how many such homes are available or whether every home at that price is a good fit.

If you are shopping with a $250,000–$300,000 budget, the useful question is not just “What is listed?” It is “What will the home cost each month, what condition is it in, and does its location work for my daily life?”

What might you find under $300K in West Fort Worth?

Your options will change from week to week. In the 76108 area, a search may turn up existing single-family homes with three bedrooms, different lot sizes and ages, and varying levels of updates or deferred maintenance. Expand the search beyond one ZIP code and you may see a different mix of resale homes and new construction. Compare homes that meet your actual monthly payment limit, rather than treating $300,000 as a target you have to spend.

Photos and list prices cannot answer the expensive questions. A lower-priced home can require immediate repairs; a higher-priced home may offer a layout that works better and fewer near-term projects. Likewise, a builder's advertised price may depend on the lot, options, financing terms or incentives available at the time. Put the full cost side by side before deciding.

A real 76108 example: 9929 Long Rifle Dr

As of September 24, 2026, the public listing describes 9929 Long Rifle Dr, Fort Worth, TX 76108 as active and offered at $269,000. It is a single-story, detached home in Legacy Village, built in 2001, with three bedrooms, two bathrooms and approximately 1,464 square feet. The listing shows an attached two-car garage, an open living and dining area with a fireplace, a breakfast area, a dedicated laundry space and a fenced backyard with a large covered patio. The primary bedroom has a walk-in closet; its bath includes dual sinks, a soaking tub and a separate shower. The listing identifies park and trail amenities in the community. View the listing and current status.

This is a case study, not a promise of inventory. The asking price is not a final sale price, an appraisal or a statement about the home's condition. Photos and descriptions are a starting point for a tour and due diligence.

What does $269,000 buy in this example?

It buys the opportunity to consider a three-bedroom, two-bath detached home on one level, with a garage and covered outdoor space, below a $300,000 asking-price ceiling. The practical appeal depends on your needs. An open living area can make the footprint feel flexible; the patio may add usable space without adding conditioned square footage. Neither feature tells you whether the roof, heating and cooling, foundation, insurance cost or total payment fits your plan.

At $269,000, there is $31,000 of room below a $300,000 price cap. That difference is not money you automatically have available for repairs or closing costs. What you can comfortably spend depends on financing, cash needed at closing, your monthly budget and the property's actual condition.

Where is this part of West Fort Worth?

The address is in the 76108 ZIP code, near White Settlement. The listing's directions use I-820 and White Settlement Road, which makes those routes sensible starting points when you test your own commute. Look at the exact route to work, shopping and the places you visit regularly at the times you would actually drive; do not assume a ZIP code guarantees a particular travel time.

The listing also names Naval Air Station Joint Reserve Base Fort Worth and Lockheed Martin Aeronautics as nearby employment anchors. That is useful location context if either is part of your daily route, but it should not replace a door-to-door commute check. For a wider geographic view, see my Fort Worth neighborhood overview; use its neighborhood descriptions as a starting point, then check current listings and the locations that matter to you.

What I would compare before choosing a sub-$300K home

1. Total monthly payment, not just the asking price. Ask a lender for a property-specific estimate that includes principal and interest, property taxes, homeowner's insurance and any mortgage insurance. Ask whether homeowners association charges apply to each property. The Consumer Financial Protection Bureau's Loan Estimate guide shows where to check the total monthly payment, estimated closing costs and cash to close. An online payment widget may use assumptions that do not match your loan or insurance quote.

2. Cash left after closing. Your down payment is only one part of the cash required. Inspection costs, lender and title fees, prepaid insurance and initial tax or insurance escrow can matter too. The CFPB's breakdown of mortgage and homebuying costs explains the categories. For the Fort Worth purchase process, see my 2026 guide to cash needed to buy a house. Keep a repair and emergency cushion appropriate to your situation.

3. Condition and likely near-term expenses. On any resale home, evaluate the roof, foundation, heating and cooling equipment, water heater, plumbing and visible drainage conditions. A general inspection can identify issues that warrant specialist follow-up. Request disclosures and relevant service records, and price repairs before treating a low asking price as a bargain. The same diligence applies to new construction, even when a builder offers a warranty.

4. How the layout works for you. Walk through the bedrooms, storage, garage and yard. Imagine an ordinary weekday: where will you work, park, store things or spend time outside? A covered patio may be useful to one buyer, while another would prefer more interior space. Size on paper does not settle that choice.

5. Location and the next few years. Test the commute, check nearby services and consider whether the home still works if your work arrangement or household needs change. If you expect to move soon, talk through transaction costs and your likely time horizon before buying. A home can fit the budget today and still be the wrong decision for your plans.

6. Resale versus new construction. Compare actual homes available in your target locations and price range. Ask a builder for the price of the specific home, lot and options, along with written financing incentives, estimated taxes and any community fees. Then compare that full picture with a resale home's inspection findings and repair budget. A newer home is not automatically cheaper to own; an older one is not automatically a bad buy.

How should you set a buying budget?

Start with a monthly housing payment that leaves room for your other expenses and savings. Have a lender estimate the payment and cash to close for a few specific properties, then obtain an insurance quote and verify taxes and any association charges. Compare those numbers with what you are comfortable paying, not simply the maximum loan approval.

I would rather help you narrow the search, wait or keep renting than push you into a home whose payment or repair risk does not make sense. If a house looks right online but the inspection, commute or cash requirement changes the equation, walking away can be the sound decision.

Frequently asked questions

Are there three-bedroom homes under $300K in Fort Worth?

Yes. As one dated example, 9929 Long Rifle Dr in 76108 was advertised at $269,000 with three bedrooms and two bathrooms on September 24, 2026. Availability, prices and condition vary; check current listings before making plans.

Does a $269,000 list price mean I can afford the home with a $300,000 budget?

Not necessarily. Your full monthly payment, cash to close, insurance, taxes and likely repair costs determine whether the home fits. Ask your lender and insurance provider for estimates based on the actual property.

Should I look only in the 76108 ZIP code?

Start there if the location works, then compare other Fort Worth areas that meet your payment and commute requirements. A wider search may reveal a better layout, condition or overall cost.

Is resale or new construction better under $300K?

Neither is automatically better. Compare specific available homes, total purchase and ownership costs, location, inspections, builder terms and the space you need. The advertised starting price of a new home may differ from the cost of the home and options you would actually choose.

What happens to this example if 9929 Long Rifle Dr sells?

Its September 2026 price and features remain a dated example of what was offered in 76108. The buying checklist in this article still applies. Check current listings for today's options rather than treating this property as available indefinitely.

Compare today's Fort Worth homes under $300K

If your budget is under $300,000, I can help you compare current Fort Worth options including resale and new construction and identify which ones actually fit your payment, condition and location priorities. Start with Fort Worth homes for sale and a buyer consultation or call Dina Morales | Selling Fort Worth at 817.881.3474. We can discuss your monthly comfort level and the trade-offs that matter most to you.

Interested in the example home? If 9929 Long Rifle Dr is still available, contact me to schedule a tour. Confirm its current price, status and showing availability first.