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City Report · TX

Elgin

Pop. 11,563·81st most expensive in Texas·Rental market data updated monthly for Elgin, TX
Median rent (all units)
$1,821/mo
Year-over-Year
+0.4%
Month-over-Month
+1.6%
vs US Median
-$141
Rising (Monthly)
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Most AffordableMost Expensive
Elgin · $1,821
More affordable than 52% of US cities · National median $1,962/mo
Affordability
24% of income
VERY AFFORDABLE
0%30% benchmark60%+

At $1,821/mo, rent takes about 24% of the local median household income, comfortably within the 30% benchmark.

Income to afford
$73,000/yr
Local median income
$91,114/yr
Based on the 30%-of-income rule using Elgin's median rent and household income. See the full affordability breakdown →
Medians by bedroom

Rent by unit size

Studio
$1,370
1 BR
$1,480
2 BR
$1,740
3 BR
$2,230
4 BR+
$2,560
Fair Market Rent (HUD)
$1,740/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,821 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: August 17, 2026

Annual cost
$21,852/yr
At $1,821/mo median
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (0.4% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+0.4% YoY, +1.6% MoM), not inventory.
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Demographics

Who lives here

Elgin, TX is majority owner-occupied, has a large share of families with children, has a median income above the national average, 23.1% of residents hold a bachelor's degree or higher.

Population
11,563
Median income
$91,114
Median age
36.6
Renters
28.6%
Age distribution
25.6%
21.7%
26.4%
13.4%
12.8%
Under 1825.6%
18–3421.7%
35–5426.4%
55–6413.4%
65+12.8%
Gender
47.8%
52.2%
Male47.8%
Female52.2%
Race & ethnicity
43.7%
16.7%
46.9%
White43.7%
Black16.7%
Hispanic46.9%
Education (25+)
17.8%
31.9%
27.3%
23.1%
No HS diploma17.8%
HS diploma31.9%
Some college27.3%
Bachelor's+23.1%
Housing tenure
71.4%
28.6%
Owner71.4%
Renter28.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Elgin, TX has changed in 5 years

Income
$78,169 → $91,114
up 16.6%
Population
9,488 → 11,563
up 21.9%
Renter share
32% → 28.6%
-3.4 pts
Bachelor's+
21.9% → 23.1%
+1.2 pts
Median age
35.8 → 36.6
+0.8 yrs

On the earnings side, the typical household in Elgin, TX now reports about $91,114, up from $78,169 in 2021. Census counts show Elgin, TX adding about 2,075 residents over the five-year window, up 21.9% on net. The renter share has eased from 32% to 28.6%, with owner-occupied housing accounting for the remainder.

Community

Discussions about Elgin

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View Elgin rent history (2015–2026) →
Salary vs rent

Can you afford rent in Elgin on your salary?

At $1,821/mo, how Elgin rent compares to typical pay (30% rule).

By apartment size

Elgin rent by bedroom count

Median rent for each apartment size in Elgin. Click any size for full breakdown.

Local insights

Tips for renters in Elgin

About renting in Elgin, TX

Last updated: August 17, 2026

The median rent in Elgin is $1,821/mo as of August 2026. A studio apartment averages $1,370/mo while a 2-bedroom runs $1,740/mo. One-bedroom apartments average $1,480/mo and 3-bedroom units go for $2,230/mo.

At 24% of local median household income ($91,114/yr), Elgin ranks as affordable compared to the national benchmark of 30%. Rents have increased 0.4% over the past year.

FAQ

Frequently asked questions

Is Elgin an affordable city for renters?

Elgin is considered very affordable for renters. At $1,821/mo, rent takes approximately 24% of the local median household income ($91,114/yr). The standard benchmark is 30%. Elgin falls comfortably within that range.

How much income do you need to rent in Elgin?

To keep rent at or below 30% of gross income, you would need to earn at least $73,000/year (~$35/hour full-time) to afford the median rent of $1,821/mo in Elgin. The local median household income is $91,114/yr, meaning the typical Elgin household meets that threshold.

Is rent going up or down in Elgin?

Rent in Elgin has been relatively stable over the past year, with a 0.4% change year over year as of August 2026.

How does Elgin rent compare to other cities in Texas?

Elgin is one of the pricier cities in Texas for rent, ranking #81 out of 267 tracked cities at $1,821/mo.

Which nearby cities are cheaper to rent in than Elgin?

Several nearby cities have lower median rents than Elgin ($1,821/mo): Pflugerville ($1,667/mo), Manor ($1,672/mo), Hutto ($1,748/mo).

What percentage of Elgin residents rent vs. own?

According to Census data, approximately 28.6% of Elgin households are renters, while 71.4% are owner-occupied. Elgin leans toward homeownership, which can mean a smaller rental inventory.

How does Elgin rent compare to the national average?

Elgin's median rent of $1,821/mo is $141 (7%) below the US national median of $1,962/mo. Within Texas, it ranks #81 out of 267 tracked cities.
Income Affordability
24%
VERY AFFORDABLE

At $1,821/mo, rent takes ~24% of Elgin's median household income ($91,114/yr). The standard benchmark is 30%.

Elgin 24%Benchmark 30%
State income taxNone
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Elgin, TX

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