Homes for Sale Under $300K in Ruskin, FL
This page tracks every Ruskin listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
106 homes listed under $300,000 are for sale or pending in Ruskin, FL today across 57 communities. The median asking price is $269,995, from $95,000 to $299,999. Listings in Ruskin without that feature have a median of $379,000. Most listings right now: Ruskin Reserve (12), Island Resort At Mariners Club (9), Glencove At Bay Park (4). Updated October 2, 2026 from the MLS.
First-time buyers: what Ruskin costs at the entry level
71 active single-family homes, townhomes and condos at or below $300,000 — median $275,000, about $1,729/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in Ruskin
What the payment looks like
| Purchase price | P&I at 6.95%, 5% down | P&I, 20% down | Cash to close at 5% down (est.) |
|---|---|---|---|
| $150,000 | $943 | $794 | $12,000 |
| $200,000 | $1,258 | $1,059 | $16,000 |
| $250,000 | $1,572 | $1,324 | $20,000 |
| $300,000 | $1,887 | $1,589 | $24,000 |
Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.
Down-payment assistance in Hillsborough County · First-time buyer guide
Ruskin homes under $300K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| Ruskin Reserve | 12 | 12 | $278,500 | $250,000 |
| Island Resort At Mariners Club | 9 | 0 | $139,000 | $129,000 |
| Glencove At Bay Park | 4 | 0 | $249,450 | $229,900 |
| Hawks Point Ph N Twnhms | 4 | 0 | $215,000 | $209,900 |
| Ruskin Colony Farms 3Rd Add | 4 | 0 | $109,450 | $95,000 |
| Brookside | 3 | 3 | $290,000 | $285,000 |
| Bayridge | 3 | 0 | $289,000 | $279,900 |
| Cypress Creek Ph 2 | 3 | 0 | $279,900 | $270,000 |
| Wynnmere West Ph 2 & 3 | 3 | 0 | $269,000 | $239,950 |
| Hawks Point Ph 1C-2 & 1D | 3 | 0 | $265,000 | $240,000 |
| South Shore Pointe | 3 | 0 | $240,000 | $225,000 |
| Ruskin City Map Of | 3 | 0 | $199,000 | $185,000 |
| Wellington North At Bay Park | 2 | 0 | $291,200 | $289,900 |
| Ruskin City 1St Add | 2 | 0 | $281,450 | $269,900 |
| Bahia Lakes Ph 3 | 2 | 0 | $278,750 | $277,500 |
| Mira Lago West Ph 2B | 2 | 0 | $277,499 | $274,999 |
| Spencer Crk Ph 1 | 2 | 0 | $264,000 | $229,000 |
| Bahia Del Sol A Condo | 2 | 0 | $262,000 | $259,000 |
| Ruskin Colony Farms | 2 | 0 | $171,250 | $125,000 |
| Bayou Pass Villg Ph Three | 1 | 0 | $299,999 | $299,999 |
| Wellington South At Bay Park | 1 | 0 | $299,900 | $299,900 |
| Bayou Pass Village Ph Four | 1 | 0 | $299,900 | $299,900 |
| Cypress Creek Ph 4B | 1 | 0 | $299,000 | $299,000 |
| Riverbend West Ph 2 | 1 | 0 | $298,000 | $298,000 |
| Bahia Del Sol A Condominium | 1 | 0 | $295,000 | $295,000 |
| Bahia Beach Twnhms Ph 2 | 1 | 0 | $295,000 | $295,000 |
| Bahia Lakes Ph 2 | 1 | 0 | $295,000 | $295,000 |
| Riverbend West Ph 1 | 1 | 0 | $294,900 | $294,900 |
| Belmont South Ph 2F | 1 | 0 | $290,000 | $290,000 |
| Bayou Pass Village | 1 | 0 | $289,000 | $289,000 |
| Spencer Crk Ph 2 | 1 | 0 | $289,000 | $289,000 |
| Blue & Red | 1 | 0 | $285,000 | $285,000 |
| Addison Manor | 1 | 0 | $285,000 | $285,000 |
| Brookside Estates | 1 | 0 | $285,000 | $285,000 |
| River Bend Phase 3B | 1 | 0 | $284,900 | $284,900 |
| Belmont Townhomes Parcel F | 1 | 0 | $284,900 | $284,900 |
| River Bend Ph 4B | 1 | 0 | $280,000 | $280,000 |
| Cypress Creek Ph 1 | 1 | 0 | $280,000 | $280,000 |
| River Bend West Sub | 1 | 0 | $280,000 | $280,000 |
| Sun City Sub | 1 | 0 | $279,000 | $279,000 |
| River Bend Ph 3B | 1 | 0 | $275,000 | $275,000 |
| College Chase Ph 1 | 1 | 0 | $269,990 | $269,990 |
| Manatee Harbor Sub | 1 | 0 | $269,900 | $269,900 |
| Cypress Creek Ph 3 | 1 | 0 | $260,000 | $260,000 |
| Sun City Ross Add To | 1 | 0 | $260,000 | $260,000 |
| Belmont South Ph 2D & Paseo Al | 1 | 0 | $260,000 | $260,000 |
| Bahia Lakes Ph 02 | 1 | 0 | $259,900 | $259,900 |
| South Haven | 1 | 0 | $256,000 | $256,000 |
| Bahia Del Sol Ii A Condo | 1 | 0 | $255,000 | $255,000 |
| Wynnmere West Ph 1 41 Block 4 | 1 | 0 | $250,000 | $250,000 |
| Ruskin Growers Sub Uni | 1 | 0 | $250,000 | $250,000 |
| Remont/Bay Park 2 | 1 | 0 | $239,900 | $239,900 |
| Townhomes At Southshore Community | 1 | 0 | $229,990 | $229,990 |
| Ruskin Colony Farms 1St Extens | 1 | 0 | $200,000 | $200,000 |
| River Bend Ph 1A | 1 | 0 | $179,000 | $179,000 |
| Sun City | 1 | 0 | $170,000 | $170,000 |
| Ruskin Colony Farms | 1 | 0 | $125,000 | $125,000 |
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
How many homes listed under $300,000 are for sale in Ruskin?
What do homes under $300K cost in Ruskin?
Which Ruskin community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
Keep exploring Ruskin
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Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Ruskin, FL whose MLS record reports an asking price under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.