Town in Maverick County, part of the Eagle Pass metro

Living in Elm Creek, TX

F

718th of 745Texas towns of 1,000 to 10,000 people
Overall score 4 of 100
7th of 7 in the Eagle Pass area

We give Elm Creek an F. It ranks 718th of 745 Texas towns of 1,000 to 10,000 people. It does best on home ownership and schools, and trails on internet access and education levels.

  • Pricey
  • Cost of living scores low (14 of 100)
  • Getting around scores low (8 of 100)
Map of Texas showing where Elm Creek isHoustonSan AntonioDallasAustinFort WorthElm Creek
Where Elm Creek is in Texas.
Population
3,680
Median rent
No data
Median home value
$170,10040% lower than Texas
Household income
$52,263Median
Average commute
29 minOne way
Violent crime
No dataNo full-year report

What it's like to live in Elm Creek

Elm Creek sits about 5 miles from downtown Eagle Pass, in the Eagle Pass metro. About 3,680 people live here. It is spread out, with mostly newer homes (the median home was built in 2006).

The median age is 33.0, 50% of households have children, 89% of homes are owned by the people living in them and the typical household earns $52,263 a year (33% lower than the Texas median).

Pros of living in Elm Creek

No clear standouts in our data.

Cons of living in Elm Creek

  • Many adults uninsured. 39% of adults 18 to 64 have no health insurance, against 20% statewide.
  • Natural hazard risk. FEMA rates the risk of river flooding, heat waves and wildfires as very high here.
  • Long, hot summers. Expect about 151 days a year at 90°F or hotter.
  • Spotty home internet. Only 65% of homes have a broadband plan.

Who Elm Creek suits

  • FamiliesNot the best fit. Compared with similar Texas places, it beats 32% for families.
  • Young professionalsNot the best fit: household income is 33% lower than the Texas median, with 4 restaurants and 0 cafes in town. Compared with similar Texas places, it beats 6% for young professionals.
  • RetireesNot the best fit: 39% of working-age adults are uninsured. Compared with similar Texas places, it beats 2% for retirees.
  • Remote workersNot the best fit: 65% of homes have broadband. Compared with similar Texas places, it beats 1% for remote workers.
  • People on a budgetNot the best fit. Compared with similar Texas places, it beats 4% for people on a budget.

Elm Creek report card

Ten grades, one for each part of daily life we measure. Most compare Elm Creek with other US towns of 1,000 to 10,000 people. Schools, safety and errands compare it with other Texas towns of 1,000 to 10,000 people.

  • Cost of living: grade D-

    Homes cost 3.3x income.

    14 of 100 vs US towns

  • Jobs and income: grade D+

    Median household income $52,263, 5.5% unemployed.

    26 of 100 vs US towns

  • Schools: grade C+

    1 rated campuses, 100% rated A or B.

    54 of 100 vs TX towns

  • Safety: no grade

    No full year of crime data from local police.

    No score vs TX towns

  • Errands and things to do: grade C-

    1 grocery store, 4 restaurants, 2 parks mapped in town.

    39 of 100 vs TX towns

  • Getting around: grade D-

    Average commute 29 min, 16% work from home.

    8 of 100 vs US towns

  • Education levels: grade F

    6.3% have a bachelor’s degree.

    2 of 100 vs US towns

  • Health: grade D-

    39% of adults uninsured.

    9 of 100 vs US towns

  • Home ownership: grade B

    89% of homes owner-occupied.

    65 of 100 vs US towns

  • Internet access: grade F

    65% of homes have broadband.

    1 of 100 vs US towns

Where Elm Creek stands out compared with Texas

Better than Texas

  • Homes owned by the people living in them: 89%27 points higher than Texas (63%)
  • Home value to income: 3.3x10% lower than Texas (3.6x)

Worse than Texas

  • Renters paying 30%+ of income on rent: 100%48 points higher than Texas (52%)
  • Adults with a bachelor's degree or higher: 6.3%27 points lower than Texas (34%)
  • Homes with broadband internet: 65%26 points lower than Texas (91%)

Cost of living in Elm Creek

HUD sets fair market rents for this area at $931 for a one-bedroom, $1,014 for a two-bedroom and $1,404 for a three-bedroom (fiscal year 2027). These figures include utilities and describe a modest unit, so newer apartments often ask for more.

The median home is worth $170,100, 40% lower than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $931 before tax, or $1,080 with property tax.

Texas has no state income tax, but it leans on property taxes instead, though they are lighter here than in much of the state. The median homeowner in Elm Creek pays $1,792 a year, 58% lower than the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.

Typical rent by apartment size

Fair market rent by bedroom count in Elm CreekStudio$8941 bedroom$9312 bedrooms$1,0143 bedrooms$1,4044 bedrooms$1,630
HUD fair market rent for FY2027, Eagle Pass, TX MSA. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median home value40% lower than Texas$170,100$283,800$332,700
Home value to income10% lower than Texas3.3x3.6x4.1x
Renters paying 30%+ of income on rent48 points higher than Texas100%52%51%
Median property tax per year58% lower than Texas$1,792$4,232$3,119
Homes owned by the people living in them27 points higher than Texas89%63%65%
Median year homes were builtAbout the same as Texas200619921980

Monthly cost to buy a median home

$1,080
Mortgage payment
$931
Property tax
$149

Based on a $170,100 home in Elm Creek, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median paid locally, or the county median where the local figure is not published. Insurance and fees are not included.

Schools in Elm Creek

Elm Creek has 1 public school campuses with a 2025 state rating inside the city, and 100% of them earn an A or B. Most students here are served by Eagle Pass ISD.

Texas districts usually assign students by attendance zone rather than the closest campus, so check the zone for a specific address with the district before you sign a lease or buy.

Schools grade
54
of 100 vs Texas towns
Average rating
81
Texas median 81

Ratings are the 2025 Texas Education Agency A to F accountability ratings. Always check which school serves a specific address with the district.

Top-rated schools

  • BPete Gallego ElementaryElementary, Eagle Pass ISD81 of 100

Daily life in Elm Creek

Everyday places mapped inside Elm Creek, from Overture Maps. Well-known spots include Elm Creek Park.

The average one-way commute is 29 minutes, 8% longer than the Texas average. 16% of workers work from home. Fewer than 3% walk, bike or take transit to work, so plan on driving for almost everything.

Downtown Eagle Pass is about 5 miles away in a straight line. Many people who live in Elm Creek work elsewhere in the metro, so test the drive at rush hour before you commit.

The median household income is $52,263, income per person is $19,290, unemployment is 5.5% and 6% of adults hold a bachelor's degree.

Grocery stores
1
Pharmacies
0
Restaurants
4
Cafes
0
Bars
0
Parks
2
Gyms
0
Hospitals and urgent care
0
Childcare
0
Libraries
0

Jobs, income and education

MeasureHereTexasUS
Median household income33% lower than Texas$52,263$78,476$80,734
Income per person53% lower than Texas$19,290$40,752$44,673
Unemployment rateAbout the same as Texas5.5%5.3%5.2%
People below the poverty lineAbout the same as Texas14%14%12%
Adults with a bachelor's degree or higher27 points lower than Texas6.3%34%36%
Adults with a high school diploma or higher19 points lower than Texas66%86%90%
Adults 18 to 64 without health insurance19 points higher than Texas39%20%11%
Homes with broadband internet26 points lower than Texas65%91%91%

Getting to work

MeasureHereTexasUS
Average commute8% higher than Texas29 min27 min26 min
Workers who work from home2 points higher than Texas16%14%15%
Workers who work from home16%
Workers who take transit0%
Workers who walk0%
Workers who bike0%

Who lives in Elm Creek

Under 1828%
18 to 3424%
35 to 6439%
65 and over9.4%

Median age 33.0 years. 50% of households have children.

Race and ethnicity
White0.2%
Hispanic or Latino100%
Black0%
Asian0%
Other or more than one race0%

Shown for information only. It is never part of any grade.

Weather in Elm Creek

Elm Creek has a hot Texas climate. July highs average 98°F and January lows about 40°F. There are about 151 days a year at 90°F or above, and about 21 inches of rain a year.

Average monthly high and low temperatures in Elm Creek40°60°80°100°64J70F78M84A90M96J98J99A92S83O72N65DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Eagle Pass 3n, 2 mi away. Orange months average 90°F or more.

Natural hazard risk

FEMA's National Risk Index says river flooding risk is very high, hurricane risk is high, tornado risk is high and hail risk is high. Before you buy, look up the FEMA flood zone for the exact address and get a flood insurance quote, since standard home policies do not cover floods.

  • River floodingVery high
  • HurricanesHigh
  • TornadoesHigh
  • HailHigh
  • Heat wavesVery high
  • WildfiresVery high
  • Winter stormsHigh
  • Strong windModerate

Source: FEMA National Risk Index, December 2025, Census tract level averaged for the city. Check the FEMA flood map for any address before you buy.

Places near Elm Creek

Nearby, Siesta Acres gets a C, Eagle Pass gets a B- and Las Quintas Fronterizas gets a B. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.

  1. CSiesta AcresTown, 1,573 people1 mi
  2. B-Eagle PassSmall city, 28,339 people5 mi
  3. BLas Quintas FronterizasTown, 2,203 people6 mi
  4. C-Eidson RoadTown, 9,684 people8 mi
  5. D-Chula VistaTown, 4,746 people10 mi
  6. D-RositaTown, 2,933 people11 mi

Elm Creek in the Eagle Pass area

How it ranks among 7 places in the metro.

  1. 1BLas Quintas Fronterizas2,203 people2 mito downtown
  2. 2B-Eagle Pass28,339 people0 mito downtown
  3. 3CSiesta Acres1,573 people3 mito downtown
  4. 4C-Eidson Road9,684 people3 mito downtown
  5. 5D-Chula Vista4,746 people5 mito downtown
  6. 6D-Rosita2,933 people7 mito downtown
  7. 7FElm Creek3,680 people5 mito downtown

Living in Elm Creek: common questions

Is Elm Creek, TX a good place to live?

We give Elm Creek an F. It ranks 718th of 745 Texas towns of 1,000 to 10,000 people. It does best on home ownership and schools, and trails on internet access and education levels.

How much does it cost to live in Elm Creek?

The median home is worth $170,100, 40% lower than the Texas median. A median home costs 3.3x the median household income, compared with 3.6x across Texas. With 20% down at a 7.28% rate, the monthly payment on a median home is about $1,080, including property tax.

Are the schools good in Elm Creek?

We found 1 rated public school campuses inside Elm Creek. 100% are rated A or B by the Texas Education Agency. Its schools score is 54 of 100 compared with other Texas towns of 1,000 to 10,000 people.

Does Elm Creek flood?

FEMA rates river flooding risk in Elm Creek as very high, and coastal flooding as not rated. Hazards rated high or very high here: river flooding, hurricanes, tornadoes, heat waves, hail, wildfires and winter storms. Always check the flood map for a specific address before you buy.

What is the weather like in Elm Creek?

Summers in Elm Creek peak at about 98°F in July, and January nights fall to about 40°F. Expect around 151 days a year at 90°F or hotter, and 21 inches of rain.

How long is the commute in Elm Creek?

The average one-way commute is 29 min, 8% higher than the Texas average. About 16% of workers work from home. It is about 5 miles from downtown Eagle Pass.

Sources: US Census Bureau 2020-2024 ACS 5-year and 2025 population estimates, CDC PLACES 2025, Texas Education Agency 2025 ratings, FBI Crime Data Explorer, FEMA National Risk Index, NOAA climate normals, HUD fair market rents, Overture Maps. Updated 2026-10-04. How we grade.