Cost of Living in Elm Creek, TX
Population 3,730 · Texas · Data vintage 2023
(100 = US avg)
Under 25,000 residents gives Elm Creek a small-town character that shows up in every data point below — from the commute patterns to the rental inventory. A typical home runs $117,000. At 8.2%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Located 105 miles northwest of Laredo, Elm Creek is far enough out that local conditions diverge meaningfully from the big-metro baseline. Median home values run roughly 36% lower than Laredo's $182,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Elm Creek
The median home value in Elm Creek is $116,500 — 62% below the national median of $305,000. The median household income of $62,331/year is 16% lower than the US median of $74,580. The local unemployment rate is 8.2%, above the national average of 4.8%. Texas charges no state income tax, a meaningful advantage for take-home pay. The climate averages highs of 85.2°F and lows of 62.6°F. Overall, Elm Creek has a cost of living index of 38 versus the US average of 100, meaning it is 62% less expensive.
Elm Creek has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 68 | 73 | 80 | 87 | 93 | 98 | 100 | 101 | 94 | 86 | 75 | 68 |
| Low °F | 44 | 48 | 56 | 63 | 71 | 77 | 79 | 79 | 73 | 64 | 53 | 44 |
| Precip" | 0.61 | 0.63 | 1.18 | 1.50 | 3.06 | 2.32 | 1.48 | 2.69 | 2.63 | 2.08 | 0.91 | 0.70 |
| Snow" | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Elm Creek, TX?
Elm Creek has a cost index of 38 (100 = national average). It is 62% below the national average.
What is the average home price in Elm Creek?
The median home value in Elm Creek is $116,500 according to 2023 Census ACS data.
What is the median income in Elm Creek?
The median household income in Elm Creek is $62,331 per year (2023 ACS 5-year estimates).
What is the sales tax in Elm Creek, TX?
The combined state and local sales tax rate in Elm Creek is 8.2%. Texas has no state income tax.
Is Elm Creek, TX affordable?
Yes, Elm Creek is generally considered affordable, with a cost of living index of 38 — about 62% below the US national average of 100.
What is the weather like in Elm Creek?
Elm Creek has average high temperatures of 85.2°F and average lows of 62.6°F. Annual precipitation is 19.8". Average annual snowfall is 0.1". Data from NOAA 1991–2020 Climate Normals.
Elm Creek at a Glance
- Population
- 3,730
- Median Income
- $62,331
- Home Value
- $116,500
- Unemployment
- 8.2%
- Avg High Temp
- 85.2°F
- Sales Tax
- 8.2%
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Texas Rankings
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