What are the schools like in Elgin, TX?

Elgin is served primarily by ELGIN ISD. The district operates 4 elementary schools, 2 middle schools, and 3 high schools with a student-to-teacher ratio of 19.2:1.

What is the median household income in Elgin?

The median household income in Elgin, TX is $85,014 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 6.2%.

What is the weather like in Elgin, TX?

Elgin has an average high temperature of 60.8°F in January and 95.0°F in July. Annual precipitation averages 36.1 inches.

Elgin, TX Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Elgin, TX affordable or expensive?

Elgin's cost of living index is 98, where 100 represents the national average. This means Elgin is 2% less expensive than the average US city. The median home value is $237,600 and the median rent is $1,128 per month.

Q: What is the crime rate in Elgin, TX?

Elgin has a violent crime rate of 173.2 incidents per 100,000 residents and a property crime rate of 1468.8 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Elgin, TX a Good Place to Live?

Elgin is a small city of 10,043 in Texas, with a median household income of $85,014 and a 6.2% unemployment rate. Its cost of living index is 98 (US average = 100), which is 2% below the national average.

Strengths: Elgin stands out for below-average home prices, lower-than-average crime.

Trade-offs: Potential downsides include longer commutes, an elevated unemployment rate. Whether Elgin is right for you depends on your priorities — the full breakdown is below.

All Elgin city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 97.6

Elgin's overall cost of living index is 97.6, where 100 represents the US national average. Living in Elgin costs roughly 2% less than the average American city.

Metric	Elgin, TX	National Avg
Median Home Value	$237,600	$244,900
Median Monthly Rent	$1,128	$1,163
Homeownership Rate	63.0%	65.9%
Median Household Income	$85,014	$74,755

Crime & Safety

Very Safe

Elgin's violent crime rate is 173.2 per 100,000 residents — 54% lower than the national average of ~380 per 100,000.

Violent Crime

173.2 /100k

Property Crime

1468.8 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Elgin is served primarily by ELGIN ISD. The student-to-teacher ratio is 19.2:1 (slightly above the national average of ~16:1).

Metric	Elgin, TX	National Avg
School District	ELGIN ISD	—
Elementary Schools	4	—
Middle Schools	2	—
High Schools	3	—
Student/Teacher Ratio	19.2:1	16:1
Bachelor's Degree or Higher	18.0%	35.4%
High School Diploma or Higher	80.6%	91.1%

Weather & Climate

Elgin sees average highs of 60.8°F in January and 95.0°F in July, with 36.1 inches of annual precipitation .

Metric	Elgin, TX
Average High — January	60.8°F
Average High — July	95.0°F
Annual Precipitation	36.1"
Annual Snowfall	Trace / None

Demographics

Metric	Elgin, TX	National Avg
Population	10,043	—
Median Age	36.9	38.9
Unemployment Rate	6.2%	3.7%
Avg Commute Time	31.3 min	26 min
White (non-Hispanic)	50.0%	59.3%
Black or African American	14.3%	13.6%
Hispanic or Latino	33.2%	18.9%
Asian	0.2%	6.3%
Under 18	25.1%	22.2%
65 and over	12.6%	16.8%

Nearby Cities

Coupland, TX 7 mi McDade, TX 10 mi Manor, TX 10 mi Webberville, TX 11 mi Camp Swift, TX 13 mi

ZIP Codes in Elgin

Elgin, TX is covered by 1 ZIP code:

78621

Elgin vs Other Cities

Elgin, TX vs Coupland, TX Elgin, TX vs McDade, TX Elgin, TX vs Manor, TX Elgin, TX vs Webberville, TX Elgin, TX vs Camp Swift, TX

Frequently Asked Questions

Is Elgin, TX affordable or expensive?

Elgin's cost of living index is 98, where 100 is the national average. That makes Elgin roughly 2% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $237,600 and median rent is $1,128/month.

What is the crime rate in Elgin, TX?

Elgin's violent crime rate is 173.2 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1468.8 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Elgin?

Public schools in Elgin are operated by ELGIN ISD. The district has 4 elementary, 2 middle, and 3 high schools. The student-to-teacher ratio is 19.2:1. 18.0% of adults 25+ hold a bachelor's degree or higher.

Is Elgin, TX a good place to live?

Elgin, TX has a population of 10,043, a median household income of $85,014, and an unemployment rate of 6.2%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Elgin?

Elgin averages 60.8°F in January and 95.0°F in July. Annual rainfall is 36.1 inches . Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Elgin?

Elgin, TX is covered by 1 ZIP code: 78621.

What is the population of Elgin?

The population of Elgin, Texas is 10,043 with a median age of 36.9. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Elgin?

Key numbers for living in Elgin: cost of living index 98 (100 = US average), median home $237,600, median household income $85,014, crime index 55 (100 = US average, lower is safer), schools rated C-. Whether these are benefits or drawbacks depends on where you're coming from — compare Elgin side by side with your current city to see the trade-offs.