CashFlowRE
Sign in Sign up
304 S Main St
F Composite 33.45
Why this score? — see what drove the F grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • ARV discount +10.2/15.0
  • Appreciation +10.0/10.0
  • Livability +3.7/5.0
  • Rent growth +3.3/5.0
  • Condition / age +2.5/5.0
  • Schools +2.0/10.0
  • Cash flow +1.8/30.0
  • 1% rule +0.0/10.0
  • DSCR +0.0/10.0

$265,000

304 S Main St · Elgin, TX 78621
1 bd · 2.0 ba · 1,510 sqft · SingleFamily public records · 188 Days on market
Built 1940 5,706 sqft lot $175/sqft · 6% below area Est $282k · 6% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Motivated Seller, bring all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

Key facts

  • Spacious yard
  • Large covered porch
  • Sizable storage shed

Tags

ARCHED DOORWAYCOZY BEDROOM NOOKWOOD AND TILE FLOORINGLARGE COVERED PORCHSPACIOUS YARDSIZABLE STORAGE SHED

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/2.0-bath single-family listed at $265k.

Deal economics

  • At list price, monthly cash flow is $-999 ($-12k/yr) — negative.
  • To cash-flow at today's rent, offer at most $131k (50.4% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $133k (49.9% below list).
  • Recommended offer: $131k (50.4% below list) — sets the bar for cash-flow.
  • Cap rate 1.8% vs local median 4.4% in Elgin — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

  • Location reads 74/100 on livability (#167 in TX, #4,404 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools F, amenities F, commute F.
  • Elgin ISD (rural): math 17% / reading 26% proficiency, ranked #741 of 826 in TX (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Market conditions: Rents rising (+3.1%/yr); 807 active listings in the ZIP; solid renter incomes; 1,841 units permitted in Bastrop County in 2024 (150 in 5+ unit buildings).
  • This rent is only 16% of the median local income ($99k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

  • In year one you build about $28k of equity ($2k loan paydown + $26k appreciation (10.0% local appreciation)).
  • Bastrop County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • By year 2, paydown + projected appreciation supports a ~$46k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 188 days — a 12% lower offer ($233k) is reasonable based on typical stale-listing flexibility.
  • 5 sale attempts since 18y ago; this cycle's ask has dropped $45k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $131,340 (50.4% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 188 days. Have you received any prior offers? Is the seller open to a 50% concession, seller financing, or rate buy-down credit?
  3. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.50%
Cap rate
1.77%
Cash-on-cash
-16.15%
DSCR
0.28
GRM
16.6

CMA / ARV

ARV (median comp)
$281,818
List price
$265,000
Delta
-5.97%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 3 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
300 W Cleveland St 0.26mi 2/2.0 (+1) 1,552 (+3%) 8mo $199,000 $128 71
108 N Avenue B 0.35mi 2/2.0 (+1) 1,584 (+5%) 9mo $365,000 $230 63
518 N Avenue F 0.64mi 2/1.0 (+1) 1,316 (-13%) 4mo $325,000 $247 36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.12% rent growth · sell at horizon

5-year hold
IRR
13.1%
Equity multiple
2.09×
Total profit
$81,018
Equity at exit
$238,733
10-year hold
IRR
13.4%
Equity multiple
4.90×
Total profit
$289,246
Equity at exit
$514,837

Cash invested: $74,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Texas
87 Strongly Landlord-Friendly · R+5
County
— inherits STATE
City
— inherits STATE
3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

ZIP-level market 78621

Home prices YoY
7.6%
Rents YoY
3.1%
Active inventory
807
Price-to-rent
16.6×

Monthly cashflow live

Estimated rent
$1,327 medium interval (Pro) →
Mortgage (P&I)
$1,390
Tax from tax record
$547 /mo · $6,567/yr
Insurance
$110
HOA
$0
Vacancy / Maint / Mgmt
$279
Net cashflow
$-999

Break-even live

Break-even rent $2,592
Max offer price $131,340
Occupancy floor

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$66,250
Closing costs
$7,950
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 34 events

  1. 2026-06-18
    days on market $265,000 Active 188 DOM
  2. 2026-06-17
    days on market $265,000 Active 187 DOM
  3. 2026-06-16
    days on market $265,000 Active 186 DOM
  4. 2026-06-15
    days on market $265,000 Active 185 DOM
  5. 2026-06-13
    days on market $265,000 Active 183 DOM
  6. 2026-06-09
    days on market $265,000 Active 179 DOM
  7. 2026-06-08
    days on market $265,000 Active 178 DOM
  8. 2026-06-07
    days on market $265,000 Active 177 DOM
  9. 2026-06-04
    days on market $265,000 Active 174 DOM
  10. 2026-06-03
    days on market $265,000 Active 173 DOM
  11. 2026-06-02
    days on market $265,000 Active 172 DOM
  12. 2026-06-01
    days on market $265,000 Active 171 DOM
  13. 2026-05-31
    days on market $265,000 Active 170 DOM
  14. 2026-04-10
    price $265,000 1192-char remark
    Show marketing remark (1194 chars)

    Motivated Seller - Submit all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  15. 2026-04-10
    price $265,000 1194-char remark
    Show marketing remark (1194 chars)

    Motivated Seller - Submit all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  16. 2026-02-10
    price $275,000 1194-char remark
    Show marketing remark (1192 chars)

    Motivated Seller, bring all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  17. 2026-02-10
    price $275,000 1192-char remark
    Show marketing remark (1192 chars)

    Motivated Seller, bring all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  18. 2026-01-20
    price $285,000 1194-char remark
    Show marketing remark (1192 chars)

    Motivated Seller, bring all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  19. 2026-01-20
    price $285,000 1192-char remark
    Show marketing remark (1192 chars)

    Motivated Seller, bring all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  20. 2025-12-29
    price $294,000 1194-char remark
    Show marketing remark (1192 chars)

    Motivated Seller, bring all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  21. 2025-12-29
    price $294,000 1192-char remark
    Show marketing remark (1192 chars)

    Motivated Seller, bring all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  22. 2025-12-20
    price $299,000 1194-char remark
    Show marketing remark (1192 chars)

    Motivated Seller, bring all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  23. 2025-12-20
    price $299,000 1192-char remark
    Show marketing remark (1192 chars)

    Motivated Seller, bring all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  24. 2025-12-12
    listed $310,000 Active 1192-char remark
    Show marketing remark (1194 chars)

    Motivated Seller - Submit all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  25. 2025-12-12
    listed $310,000 Active 1194-char remark
    Show marketing remark (1194 chars)

    Motivated Seller - Submit all offers. Step inside this charming Elgin property, where a classic white picket fence welcomes you to a space that feels like home—while offering exciting mixed-use potential. Located just up the road from downtown shops and local restaurants, it’s ideal for a residence, boutique office, studio, or live/work setup, blending small-town charm with everyday convenience. Inside, arched doorways and inviting spaces showcase timeless character, while wood and tile flooring throughout make the home both warm and practical. A cozy bedroom nook works perfectly as a reading corner or flexible workspace, and the generous layout allows for comfortable living, entertaining, or business use. The primary suite overlooks the backyard and features two walk-in closets for added comfort and function. Out back, enjoy a large covered porch with ceiling fan—perfect for relaxing or hosting—plus a spacious yard and storage shed for tools, hobbies, or inventory. With a 2019 roof, new dishwasher, refrigerator, and water heater, this property is move-in ready and full of possibility for those seeking a home, a business, or both in the heart of Elgin.

  26. 2019-03-07
    soldstatus Sold
  27. 2019-03-07
    soldstatus
  28. 2019-02-10
    status Pending - Taking Backups
  29. 2019-02-01
    status Active
  30. 2019-01-30
    status Pending - Taking Backups
  31. 2019-01-22
    listed $175,000 Active
  32. 2008-06-10
    historical
  33. 2008-02-10
    listed
  34. 2005-07-13
    soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast TX · Resets to sale price

Current annual tax
$6,567 · $547/mo
Projected year-2 tax
$6,567 · $547/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 23 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$15,926
− Mortgage interest
−$14,844
− Property taxes
−$6,567
− Insurance
−$1,325
− Repairs & maintenance
−$1,274
− Management
−$1,274
− Depreciation
−$7,709
Taxable loss
−$17,068
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$4,096
After-tax cash flow
$-7,891/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Elgin ISD
NCES district ID
4818360
Math proficiency
17% ▼ -9.00%
Reading proficiency
26% ▼ -5.00%
Median HH income
$55,176
Composite
19.62/100
National rank
#8749
State rank
#741 of 826 in TX

Livability — Elgin

Score
74/100
State rank
#167
US rank
#4404

Category grades

Amenities F Commute F Cost of living A+ Crime B+ Employment B- Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Elgin, TX
County
Bastrop County · 68,601 people
City population
27,860
Metro
Austin-Round Rock-Georgetown, TX
Population (ZIP)
30,411
Household income
$98,534
Rent vs Own
18.9% rent · 81.1% own
Severe rent burden
235.0

Population outlook (Bastrop County) Hauer SSP2

Today (2025)
94,260 people
By 2030
101,355 · +7.5%
By 2040
115,578 · +22.6%
By 2050
129,464 · +37.3%
By 2075
168,068 · +78.3%
By 2100
194,857 · +106.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.64)
Race & ethnicity
Hispanic / Latino 46% White 38% Two or more races 19% Black 11% Native American 1%
Hispanic origin (detail)
Mexican 38%
Common ancestry
Slovak 2% Italian 2% Romanian 1%
Foreign-born
17% · Canada, Vietnam
Languages at home
63% English-only · Spanish 36%

Political lean MEDSL · Bastrop

2024 margin
R (+18.4) · D 40.2% · R 58.6% · Other 1.2%
2008→2024 swing
-10.2pp toward R · 2008: -8.2pp · 2024: -18.4pp
All cycles
2024: R+18.4 2020: R+13.8 2016: R+20.4 2012: R+17.0 2008: R+8.2

Not yet ingested

Civics

Market trends

HPI YoY
▲ 29.47%
Current HPI
416.87
Rent YoY
▲ 3.12%
Metro
Austin-Round Rock-Georgetown, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

+51.4% since first listed
21 events — show timeline
  • 2026-04-10 Price Changed $265,000 Unlock MLS
  • 2026-04-10 Price Changed $265,000 CTXMLS
  • 2026-02-10 Price Changed $275,000 CTXMLS
  • 2026-02-10 Price Changed $275,000 Unlock MLS
  • 2026-01-20 Price Changed $285,000 CTXMLS
  • 2026-01-20 Price Changed $285,000 Unlock MLS
  • 2025-12-29 Price Changed $294,000 CTXMLS
  • 2025-12-29 Price Changed $294,000 Unlock MLS
  • 2025-12-20 Price Changed $299,000 CTXMLS
  • 2025-12-20 Price Changed $299,000 Unlock MLS
  • 2025-12-12 Listed $310,000 CTXMLS
  • 2025-12-12 Listed $310,000 Unlock MLS
  • 2019-03-07 Sold (Public Records) Public Records
  • 2019-03-07 Sold (MLS) Unlock MLS
  • 2019-02-10 Pending Unlock MLS
  • 2019-02-01 Relisted Unlock MLS
  • 2019-01-30 Pending Unlock MLS
  • 2019-01-22 Listed $175,000 Unlock MLS
  • 2008-06-10 Delisted Unlock MLS
  • 2008-02-10 Listed Unlock MLS
  • 2005-07-13 Sold (Public Records) Public Records

Property tax history

+8.2%/yr

Latest (2025): $6,567 · +12.5% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…