What is the cost of living in Elgin, TX?
According to the most recent data on the cost of living, Elgin has an overall cost of living index of 97, which is 1.0x lower than the national index of 100.
Compared to Texas, Elgin has a cost of living index that's 1.0x higher than Texas's index of 93.
The standard of living in Elgin ranks as #212 most affordable out of the 419 places we measured in Texas. By definition, that implies Elgin ranks as the #207 most expensive place in the Lone Star State.
For more reading on life in Elgin, check out:
Elgin Cost Of Living Vs. Texas
Six factors go into calculating the cost of living index in Elgin. Here is how it fares on each of the criteria:
The Services index in Elgin is 101.
The Groceries index in Elgin is 100.
The Health index in Elgin is 95.
The Housing index in Elgin is 96.
The Transportation index in Elgin is 104.
The Utilities index in Elgin is 95.
| Living Expense | Elgin | Texas | National Average |
|---|---|---|---|
| Overall | 97 | 93 | 100 |
| Services | 101 | 100 | 100 |
| Groceries | 100 | 99 | 100 |
| Health | 95 | 81 | 100 |
| Housing | 96 | 97 | 100 |
| Transportation | 104 | 103 | 100 |
| Utilities | 95 | 100 | 100 |
Elgin Cost Of Living Compared To Texas Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Texas, check out:
Protect your home budget Compare home warranties in Elgin Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Elgin, TX Housing Cost Breakdown
Housing swings affordability the most between places in Texas, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Elgin is $275,342.
The Median Rent in Elgin is $1,440.
The Median Income in Elgin is $91,114.
The Home Value To Income in Elgin is 3.0x.
The Rent To Monthly Income in Elgin is 0.19x.
Elgin, TX Costs By Category
Detailed Elgin Services costs vs. Texas
Detailed Elgin Groceries costs vs. Texas
Detailed Elgin Health costs vs. Texas
Detailed Elgin Transportation costs vs. Texas
Elgin SnackAbility
Cost Of Living In Cities Around Elgin
The cost of living varies in the cities and towns around Elgin. Here's a quick look at the cost of living in the most populous nearby places:
Austin, TX has a cost of living index of 124, 1.3x Elgin.
Round Rock, TX has a cost of living index of 111, 1.1x Elgin.
Georgetown, TX has a cost of living index of 118, 1.2x Elgin.
| City | Population | Cost Of Living | Vs. Elgin |
|---|---|---|---|
| Austin, TX | 979,539 | 124 | 1.3x |
| Round Rock, TX | 127,786 | 111 | 1.1x |
| Georgetown, TX | 85,999 | 118 | 1.2x |
| Cedar Park, TX | 78,301 | 123 | 1.3x |
| Leander, TX | 74,067 | 116 | 1.2x |
| Pflugerville, TX | 65,971 | 109 | 1.1x |
| Kyle, TX | 56,823 | 108 | 1.1x |
| Hutto, TX | 35,483 | 110 | 1.1x |
| Brushy Creek, TX | 19,576 | 121 | 1.2x |
| Manor, TX | 18,603 | 107 | 1.1x |
