Cost of Living in Elsa, TX

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19%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
61%
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 Elsa Texas National
Cost of living8194100
Groceries10198100
Health care9998100
Housing3983100
Transportation9998100
Utilities100103100
Lifestyle & Entertainment9698100
Household Items10198100
Education & Childcare9498100
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Homes For Sale In Elsa, TX

property for sale

213 Antonia St

Elsa, TX
property for sale

815 N Extrumberto Solis St

Elsa, TX
property for sale

192 Laureles Dr

Elsa, TX
property for sale

327 E 7th Ave

Elsa, TX
See the Newest Homes For Sale In Elsa, TX

Cost Of Living Quick Facts

  • The cost of living in Elsa is 14% lower than the Texas average
  • The cost of living in Elsa is 19% lower than the national average
  • Elsa housing is 61% lower than the national average
  • Texas general sales tax is 22% higher than the national average
  • Texas state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Elsa

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Compare Elsa, TX Cost of Living

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      Salary Calculator

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      Price difference in compared to
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      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$74,281$6,190$1,733$2,229
      Renters$32,683$2,724$763$981
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Elsa, TX, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Elsa homeowners, is $74,281. This would allow for a maximum of $1,733 per month to be spent on housing costs. For renters, the median monthly income is $32,683 which would result in a maximum of $763 to be spent on rental costs.

      Texas Sales Tax

      State General Sales Tax With Max Surtax
      Texas 6.25% 8.25%

      Texas Income Tax

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

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Tierra Bonita, TX67972.5%
      Evergreen, TX40990.9%
      La Chuparosa, TX45991.2%
      Villa Verde, TX211991.2%
      Campo Verde, TX173981.6%
      Elsa, TX7,3798119.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Lecanto, FL7,3791010.5%
      Philadelphia, MS7,3798416.3%
      Lexington, VA7,3771088.3%
      Hillsborough, NC7,37611414.0%
      Twin Rivers, NJ7,37612020.0%
      Elsa, TX7,3798119.1%
      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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