Gold Heart Locket Necklace Under $50: Best Affordable Picks

Some jewelry feels overpriced and underwhelming. But sometimes? You hit that rare sweet spot: quality, design, and a story – all under $50. That’s exactly where the gold heart locket necklace under $50 steps in. Not just another trend piece, but a smart, wearable way to carry something real. From subtle layers to statement sets, these picks hold more than just a photo. They're made to be worn, not saved. So skip the splurge – here’s what’s actually worth adding to your rotation.

Read More: From Snap to Heart: Tips on How to Choose a Picture for a Heart Necklace

Affordable Gold Locket: Designs You’ll Love

Mother-of-Pearl Heart Photo Necklace

• Locket Size: 0.83” x 0.83”
• Chain Length: Adjustable 16” to 18”
• Material: Gold-Filled

If you’re browsing for a gold heart locket necklace under $50 that doesn’t look like it, the Mother-of-Pearl Heart Photo Necklace is worth a closer look. The mother-of-pearl detail adds a soft shimmer that catches the light in a way plain metal just can’t. It gives the locket a more polished feel – less fast fashion, more fine jewelry energy. Perfect for gifting, especially for anniversaries or moments that deserve a little extra attention.

Inside, there’s space for a tiny photo – think cropped and close-up. The gold finish gives the necklace a rich, sunlit tone that elevates even the simplest outfits. It reads polished, not flashy – perfect for daily wear with a hint of intention.

Engraving adds a thoughtful layer. It could be a date, a name, or even just a word. The result? A piece that’s wearable and personal, without feeling overdesigned. It fits into your daily rotation but holds its own as a keepsake.

Image See Through Heart Locket Necklace

• Locket Size: 1” x 1” 
• Chain Length: 16” to 18”
• Material: Gold-Filled

The Image See Through Heart Locket Necklace isn’t your standard heart locket – and that’s the point. The openwork design gives a glimpse of what’s inside, offering just enough visibility to make it feel personal while still looking like a design choice. It’s a great pick if you want a gold heart locket necklace under $50 that feels a little less traditional and a little more modern.

The see-through detail draws the eye in, especially when there’s a high-contrast photo tucked inside. Consider a black-and-white print or a bold color pop to make the most of the peek-through space. It’s subtle, but smart – especially layered with other textures.

The engraving area on the back gives you space for something meaningful, but you don’t need to overthink it. This piece already tells a story – your message just supports it. Ideal for someone who appreciates design that speaks quietly but clearly.

Triple Layer Heart Photo Necklace Set

• Heart Locket Size: 1.2” X 1.1”
• Pearl Chain Length: 15” to 17”
• Paperclip Chain Length: 17” to 19”
• Twist Chain Length: 20” to 22”
• Material: Gold-Filled

If you want more than a single chain, the Triple Layer Heart Photo Necklace Set delivers. Three layers, zero guesswork. It mixes texture, shape, and detail in one ready-to-wear piece. You get a twisted rope chain, a bold paperclip link, and a string of delicate pearls – plus the heart locket that anchors it all. The combo does the layering for you.

This gold heart locket necklace under $50 works especially well when you want impact without stacking five separate necklaces. It looks pulled together right out of the box. The locket opens to fit a photo, so you still get that sweet moment tucked in, but the focus is on the full look.

If you're shopping for a gold heart locket necklace under $50, this set gives you the most for your money.

Initial Heart Photo Necklace

• Locket Size: 1.02” X 0.98”
• Chain Length: 16” to 18”
• Material: Gold-Filled

Initial necklaces are everywhere – but the Initial Heart Photo Necklace earns its spot by doing more. It combines the minimal charm of a single engraved letter with the function of a hidden photo, making it more than decorative. It’s one of the most giftable pieces in the gold heart locket necklace under $50 category.

The front initial can represent a partner, child, or even the wearer themselves. Inside, there’s room for a small image, cropped tight. This isn’t about showing off – it’s about keeping something close that’s just for you.

The compact shape and smooth finish make it easy to layer with longer chains or wear on its own. If you’re looking for a piece that combines function, personalization, and everyday wearability, this one covers all three with ease.

Personalized Heart Photo Necklace

• Locket Size: 0.98” x 0.89” 
• Chain Length: 16” - 18”
• Material: Gold-Filled

The Personalized Heart Photo Necklace is a practical pick for anyone who wants personalization and photo space in one clean design. The heart shape is familiar, but the impact depends entirely on how you use it. Drop in a photo that means something to you – could be a memory, a face, even a place – and add an engraving to complete the story. For a gold heart locket necklace under $50, it offers a surprising amount of creative freedom.

It doesn’t need to be a romantic gift. This piece works for birthdays, best friends, family members, or anyone you want to keep close. The engraving space is enough for a name or short phrase – no big speeches necessary.

Among all the options, this one is easily the most flexible. It adapts to the wearer’s story, rather than forcing a theme. And yes, if you’re after a cheap heart locket necklace that feels anything but cheap, this delivers on both value and intent.

Read More: Gold Heart Necklace Guide: Who to Give It to & Why

Mighty Dainty Makes Gold Lockets Look Luxe

There’s no shortage of lockets out there – but most blur together fast. These picks don’t.

Every gold heart locket necklace under $50 in this list brings something distinct: layered designs, smart details, or standout finishes. They offer options that look high-end without the markup.

At Mighty Dainty, we keep it local – every piece is handcrafted in California, using quality materials and sharp design choices. We don’t do filler. We make jewelry that looks like you planned it, not like you grabbed it last-minute.

If you’re looking for an affordable gold locket that feels considered from every angle, this is your starting point. Smart price, strong design, zero shortcuts.