Local
Learn about the people, housing, costs and businesses in Elm Creek, Texas
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Elm Creek.
True all-in cost — P&I, taxes, insurance & utilities for homes in Elm Creek.
Find and compare lenders active near Elm Creek.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Elm Creek.
Seismic risk and earthquake insurance estimates for Elm Creek.
Wildfire exposure and insurance estimates for Elm Creek.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Elm Creek is approximately 6.957% (6.995% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Elm CreekThe median home value in Elm Creek is $185k. The median monthly rent is $1,605. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Elm Creek have increased 16.1% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,309/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $56k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Elm Creek is $61k/year.
Calculate your buying powerThe largest employment sectors in Elm Creek are public administration (25%) and agriculture and mining (16%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.