Cost of Living in Elba, AL

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20%
Overall NAT. AVG.
4%
Goods & Services NAT. AVG.
47%
Housing NAT. AVG.
Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Elba Alabama National
Cost of living8089100
Goods & Services9695100
Groceries9698100
Health care9391100
Housing5374100
Transportation8990100
Utilities7898100
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Homes For Sale In Elba, AL

property for sale

1525 County Road 404

Elba, AL
property for sale

13.5 Acres County Road 338

, AL
property for sale

1248 Ann St

Elba, AL
property for sale

1059 County Road 330

Elba, AL
See the Newest Homes For Sale In Elba, AL

Cost Of Living Quick Facts

  • The cost of living in Elba is 9% lower than the Alabama average
  • The cost of living in Elba is 20% lower than the national average
  • Elba housing is 47% lower than the national average
  • Alabama general sales tax is 22% lower than the national average
  • Alabama state income tax is 23% lower than the national average

Most Affordable Places to Live in and Around Elba

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Compare Elba, AL Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$58,016$4,835$1,354$1,741
      Renters$43,650$3,638$1,018$1,310
      To approximate the cost of living and the housing affordability in Elba, AL, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Elba have a median income of $58,016. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,354 per month to avoid calamity and poverty. The renters in the city have an income of about $43,650, which would make their monthly maximum allowable rental costs $1,018.

      Alabama Sales Tax

      State General Sales Tax With Max Surtax
      Alabama 4% 13.5%

      Alabama Income Tax

      State Income Tax (Low) Income Tax (High)
      Alabama 2% 5%

      Goods & Services

      Item Elba National avg. Difference
      Haircut $26.49$27.624.1%
      Beauty Salon $57.59$51.1112.7%
      Toothpaste $4.01$4.092.0%
      Shampoo $1.45$1.546.0%
      Movie $11.90$12.887.6%
      Yoga $11.69$19.6640.5%

      Groceries

      Item Elba National avg. Difference
      Ground Beef $7.54$7.702.1%
      Fried Chicken $1.45$1.6612.8%
      Milk $4.54$4.734.1%
      Potatoes $5.39$5.262.5%
      Pizza $12.03$12.765.7%
      Beer $10.23$10.553.0%

      Health Care

      Item Elba National avg. Difference
      Optometrist $93.77$140.0633.0%
      Doctor $152.65$153.820.8%
      Dentist $128.31$123.154.2%
      Ibuprofen $11.46$11.732.3%
      Lipitor $16.40$23.6130.5%

      Housing

      Item Elba National avg. Difference
      Home Price $152,804.00$326,622.0053.2%
      Avg. Mortgage Payment $1,533.40$2,480.2538.2%
      Apartment Rent $956.00$1,444.0033.8%

      Transportation

      Item Elba National avg. Difference
      Gasoline $2.79$3.068.7%
      Tire Balancing $54.50$65.2116.4%

      Utilities

      Item Elba National avg. Difference
      All Electricity $142.48$220.1235.3%
      Phone $193.75$195.711.0%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Babbie, AL5347822.3%
      Kinston, AL8107822.2%
      Brantley, AL1,0718218.0%
      Opp, AL6,5478118.9%
      Onycha, AL1188317.0%
      Elba, AL3,9858019.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Eastland, TX3,9858910.7%
      Wellsville, UT3,9851066.3%
      Bosque Farms, NM3,9841054.6%
      Shrewsbury, PA3,98411110.6%
      Canton, TX3,984919.1%
      Elba, AL3,9858019.5%
      Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
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