Emerald Bay is a small town of 969 in Texas, with a median household income of $86,027
and a 4.4% unemployment rate.
Its cost of living index is 92 (US average = 100), which is
8% below the national average.
Strengths:
Emerald Bay stands out for an affordable cost of living, a well-educated population.
Trade-offs:
No major red flags stand out in the available data. Whether Emerald Bay is right for you depends on your priorities — the full breakdown is below.
All Emerald Bay 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: 92.4
Emerald Bay's overall cost of living index is 92.4,
where 100 represents the US national average.
Living in Emerald Bay costs roughly 8% less than the average American city.
Metric
Emerald Bay, TX
National Avg
Median Home Value
$257,200
$244,900
Median Monthly Rent
N/A
$1,163
Homeownership Rate
100.0%
65.9%
Median Household Income
$86,027
$74,755
Crime & Safety
Safer than Average
Emerald Bay's violent crime rate is 332.1 per 100,000 residents
— 13% lower than the national average of ~380 per 100,000.
Violent Crime
332.1 /100k
Property Crime
1363.3 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Metric
Emerald Bay, TX
National Avg
School District
N/A
—
Elementary Schools
N/A
—
Middle Schools
N/A
—
High Schools
N/A
—
Student/Teacher Ratio
N/A
16:1
Bachelor's Degree or Higher
50.4%
35.4%
High School Diploma or Higher
100.0%
91.1%
Weather & Climate
Emerald Bay sees average highs of 57.9°F in January
and 93.1°F in July,
with 47.5 inches of annual precipitation
and 0.2 inches of snow per year.
Emerald Bay's cost of living index is 92, where 100 is the national average.
That makes Emerald Bay roughly 8% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $257,200 and median rent is N/A/month.
Emerald Bay's violent crime rate is 332.1 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1363.3 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
School district information is sourced from NCES Common Core of Data.
Emerald Bay, TX has a population of 969, a median household income of $86,027, and an unemployment rate of 4.4%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Emerald Bay averages 57.9°F in January and 93.1°F in July. Annual rainfall is 47.5 inches
with about 0.2 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
The population of Emerald Bay, Texas is 969 with a median age of 67.1. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Emerald Bay: cost of living index 92 (100 = US average), median home $257,200, median household income $86,027, crime index 78 (100 = US average, lower is safer). Whether these are benefits or drawbacks depends on where you're coming from — compare Emerald Bay side by side with your current city to see the trade-offs.