Elgin, Texas: commercial real estate data.
Elgin is a Census city of 11,563 people across 7.18 square miles of land, lying across Bastrop County and Travis County. Median household income is $91,114, 71.4 percent of occupied homes are owned, and the SBA record carries 20 7(a) approvals to borrowers here worth $11.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Elgin
What Elgin is
- Census place typecity
- Land area7.18 sq mi
- Water area0 sq mi
- Population per square mile of land1,610
- County holding the largest share of its areaBastrop County, 68.5 percent
- Counties this place lies inBastrop County 68.5 percent, Travis County 31.5 percent
Elgin crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elgin
How many people live in Elgin
- Population11,563
- Median age36.6
- Population under 182,965
- Share under 1825.6 percent
- Population 65 and over1,485 plus or minus 353
- Share 65 and over12.8 percent plus or minus 3.0
- Households4,375
- Family households2,875
- Share of households that are families65.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elgin
Income and work in Elgin
- Median household income$91,114
- Per capita income$40,631
- Civilian labor force6,412
- Employed6,141
- Unemployed271 plus or minus 148
- Unemployment rate4.2 percent plus or minus 2.3
- Adults 25 and over7,746
- Adults 25 and over with a high school diploma or higher82.2 percent
- Adults 25 and over with a bachelor degree or higher23.1 percent plus or minus 5.6
- Adults 25 and over with a graduate degree10.0 percent plus or minus 4.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elgin
Housing in Elgin
- Housing units4,493
- Occupied units4,375
- Vacant units118 plus or minus 89
- Vacancy rate2.6 percent plus or minus 2.0
- Owner occupied3,123
- Renter occupied1,252 plus or minus 321
- Ownership rate71.4 percent
- Median owner-occupied home value$326,400
- Median gross rent, monthly$1,440
- Annual rent as a share of median income19.0 percent
- Single family units3,947
- Share single family87.8 percent
- Units in buildings of two or more520 plus or minus 204
- Share in buildings of two or more11.6 percent plus or minus 4.4
- Mobile homes26 plus or minus 34
- Median year structure built1990
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elgin
How Elgin gets to work
- Workers 16 and over who commute4,753
- Commuting under 15 minutes1,083 plus or minus 487
- Share commuting under 15 minutes22.8 percent plus or minus 9.7
- Commuting 30 minutes or more2,984
- Share commuting 30 minutes or more62.8 percent
- Drove alone66.5 percent
- Carpooled11.9 percent plus or minus 4.3
- Public transport0.0 percent
- Walked0.4 percent plus or minus 0.7
- Worked from home21.0 percent plus or minus 6.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elgin
SBA loans in Elgin (7(a))
- Approvals20
- Gross approval$11,039,200
- Average approval$551,960
- Median approval$325,900
- Ninetieth percentile approval$1,147,880
- Largest approval$2,755,000
- Jobs supported169
- Jobs per approval8.4
- Loans with a final outcome5
- Paid in full5
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises15.0 percent
- Distinct lenders13
- Distinct industries by NAICS16
Counted by borrower city: approvals to borrowers whose address is in Elgin, in any county, FY2020 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Elgin
SBA loans in Elgin (504)
- Approvals12
- Gross approval$6,707,000
- Average approval$558,917
- Median approval$529,500
- Largest approval$1,344,000
- Jobs supported123
- Loans with a final outcome5
- Charged off0
- Median term240 months
- Distinct CDCs6
Counted by borrower city: approvals to borrowers whose address is in Elgin, in any county, FY2010 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Elgin
Flood risk in Elgin
- NFIP communityCity of Elgin
- NFIP community number480023
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date(NSFHA)
The City of Elgin participates in the National Flood Insurance Program as community 480023 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Bastrop County, not Elgin
Bastrop County context, not Elgin figures
- Establishments in Bastrop County1,778
- Covered employment, Bastrop County22,593
- Average annual pay, Bastrop County$54,112
- Housing units permitted, Bastrop County1,841
Every figure in this section is published for Bastrop County as a whole and is not a measurement of Elgin.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Elgin questions, answered from the record.
How many people live in Elgin, Texas?
11,563, in 4,375 households. Elgin city covers 7.18 square miles of land, which is 1,610 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Elgin in?
Elgin lies in more than one. By area it is 68.5 percent in Bastrop County, 31.5 percent in Travis County. This page sits under Bastrop County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Elgin?
$91,114. The median owner-occupied home is valued at $326,400. Median gross rent is $1,440 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Elgin businesses?
20 7(a) approvals totaling $11.0 m since FY2020, across 13 lenders, median approval $325,900, plus 12 504 approvals worth $6.7 m since FY2010. These count approvals to borrowers whose address is in Elgin, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Elgin borrowers get paid back?
No rate is published for Elgin. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Elgin in the National Flood Insurance Program?
Yes. Elgin appears in the FEMA Community Status Book as Elgin, city of, community 480023, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Elgin figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Bastrop County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Elgin.
Is zoning published for Elgin?
No. Nothing on this page presents parcel level zoning.
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