Cost Of Living in Elgin, TN

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15%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

44%

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	Elgin	Tennessee	National
Cost of living	85	92	100
Groceries	95	98	100
Health care	99	97	100
Housing	56	80	100
Transportation	95	97	100
Utilities	95	98	100
Lifestyle & Entertainment	96	97	100
Household Items	96	98	100
Education & Childcare	102	97	100

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Homes For Sale In Elgin, TN

586 Rugby Hwy

Robbins, TN

111 213.00 Concord Rd

Robbins, TN

Cost Of Living Quick Facts

The cost of living in Elgin is 8% lower than the Tennessee average
The cost of living in Elgin is 15% lower than the national average
Elgin housing is 44% lower than the national average
Tennessee general sales tax is 37% higher than the national average
Tennessee state income tax is 100% lower than the national average

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Price difference in compared to

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	$91,544	$7,629	$2,136	$2,747
Renters	$29,806	$2,484	$695	$894

Tennessee Sales Tax

State	General Sales Tax	With Max Surtax
Tennessee	7%	9.75%

Tennessee Income Tax

State	Income Tax (Low)	Income Tax (High)
Tennessee	0%	0%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Helenwood, TN	414	79	20.8%
Robbins, TN	97	82	17.9%
Oneida, TN	3,833	84	16.3%
Sunbright, TN	618	86	13.9%
Huntsville, TN	1,520	88	12.0%
Elgin, TN	252	85	15.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Moose Pass, AK	252	128	28.3%
Malcolm, AL	252	75	25.0%
McNeal, AZ	252	86	13.8%
Hornbrook, CA	252	107	7.1%
Jakin, GA	252	86	14.2%
Elgin, TN	252	85	15.3%