Cost of Living in Elgin, TX
Overall index: 92 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 77 | -23% | $902 |
| Transportation | 104 | +4% | $3.50 |
| Food | 115 | +15% | $472 |
| Utilities | 89 | -11% | $139 |
| Healthcare | 89 | -11% | $100 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Elgin?
A single adult living comfortably in Elgin, TX needs approximately $32,200 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Elgin, TX?
The overall cost of living in Elgin, TX is 8% lower than the US national average (index: 92 where 100 = national average).
How much is rent in Elgin, TX?
Average rent for a 1-bedroom apartment in Elgin, TX is about $902/month.
Is Elgin, TX expensive to live in?
Costs in Elgin, TX are roughly in line with the national average.
What salary do I need to live in Elgin, TX?
A single adult needs roughly $32,200/year to cover basic living costs in Elgin, TX.