Cost of Living in Elba, AL

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18%
Overall NAT. AVG.
6%
Groceries NAT. AVG.
47%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Elba Alabama National
Cost of living8289100
Groceries9496100
Health care9495100
Housing5374100
Transportation9395100
Utilities10197100
Lifestyle & Entertainment8994100
Household Items9996100
Education & Childcare9193100
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Homes For Sale In Elba, AL

property for sale

1313 Highland Dr

Elba, AL
property for sale

892 Claxton Ave N

Elba, AL
property for sale

654 Claxton Ave N

Elba, AL
property for sale

149 Russell Pl

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

Cost Of Living Quick Facts

  • The cost of living in Elba is 8% lower than the Alabama average
  • The cost of living in Elba is 18% 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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      Salary Calculator

      This is how much you would need to earn in
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      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare 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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Babbie, AL5347920.9%
      Kinston, AL8107920.8%
      Brantley, AL1,0718217.9%
      Opp, AL6,5478317.5%
      Onycha, AL1188415.6%
      Elba, AL3,9858218.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Eastland, TX3,9858910.9%
      Wellsville, UT3,9851109.7%
      Bosque Farms, NM3,9841043.8%
      Shrewsbury, PA3,9841066.4%
      Canton, TX3,984946.5%
      Elba, AL3,9858218.1%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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