El Lago, TX vs Caddo Mills, TX: Cost of Living

Which city costs less?

Caddo Mills, TX has a modeled overall cost index 7.1% higher than El Lago, TX.

El Lago, TX · modeled 2BR rent
$1,700 / month
Caddo Mills, TX · modeled 2BR rent
$1,830 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare El Lago, TX and Caddo Mills, TX using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

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Numbers update automatically as you type

Estimated extra cost: $394/month in Caddo Mills, TX

$150,000 in your current city has a modeled equivalent of $154,732 in Caddo Mills, TX

Regional cost estimates: El Lago, TX uses Houston, TX. Caddo Mills, TX uses Garland, TX. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 7.1%
More expensive
Monthly Impact
$394
Extra cost
Annual Impact
$4.7K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

El Lago, TX

Population:3K
Cost Index:
82.5
100 = national average
Typical Home:$336K

Caddo Mills, TX

Population:4K
Cost Index:
88.4
100 = national average
Typical Home:$309K

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El Lago, TX

The Lone Star State

3K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 3K residents.

💡 Advantage: Texas has no state income tax!

Caddo Mills, TX

The Lone Star State

4K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 4K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: El Lago, TX vs Caddo Mills, TX

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↑ 11.2%
El Lago, TX
$2,004
Caddo Mills, TX
$2,229
Difference
$225
more
Groceries
↑ 10.9%
El Lago, TX
$1,002
Caddo Mills, TX
$1,111
Difference
$109
more
Healthcare
↑ 16.1%
El Lago, TX
$618
Caddo Mills, TX
$717
Difference
$99.28
more
Transportation
↓ 4.6%
El Lago, TX
$1,473
Caddo Mills, TX
$1,405
Difference
$67.93
less
All Utilities
↑ 5.2%
El Lago, TX
$607
Caddo Mills, TX
$638
Difference
$31.30
more
Other
↓ 0.1%
El Lago, TX
$1,797
Caddo Mills, TX
$1,794
Difference
$2.23
less

🏠Rent Comparison

Studio
From$1,380
To$1,500
↑ $120
1 Bed
From$1,430
To$1,560
↑ $130
2 Bed
From$1,700
To$1,830
↑ $130
3 Bed
From$2,290
To$2,300
↑ $10.00
El Lago, TXZIP-level data

1BR range: $1,430–$1,430/mo

Caddo Mills, TXZIP-level data

1BR range: $1,560–$1,560/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in El Lago, TX
$7,894
Monthly in Caddo Mills, TX
$394
Difference

Home Values

El Lago
Caddo Mills
$336K
Median Value
$309K
↓ -2.8%
YoY Change
↓ -3.8%
↑ +19.6%
5-Year Change
↑ +22.9%

Homes in Caddo Mills are 8% less expensive than El Lago

Calculate payment - El LagoCalculate payment - Caddo Mills

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

El Lago, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Caddo Mills, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

El Lago, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Caddo Mills, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

El Lago
Caddo Mills
61 Moderate
Air Quality
55 Moderate
13.7%
Good Air Days
35.2%
100 Very High
Climate Risk
100 Very High
🌊🌅🌀
Top Hazards
🌊🌡🌪
▲+2.2°F
2050 Outlook
▲+2.7°F
64 days
Heat Days >95°F
84 days
▲+2.2°F
2050 Outlook
▲+2.7°F
64 days
Heat Days >95°F
84 days

Before moving from El Lago, TX to Caddo Mills, TX

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Caddo Mills, TX for the same bedroom count and included utilities as your home in El Lago, TX. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your El Lago to Caddo Mills moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Caddo Mills, TX by cost, housing, population and region.

Frequently Asked Questions: El Lago, TX vs Caddo Mills, TX

How do the cost estimates for El Lago, TX and Caddo Mills, TX compare?

Caddo Mills, TX has a modeled overall cost index 7.1% higher than El Lago, TX. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in El Lago, TX, the model estimates $154,732 in Caddo Mills, TX. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for El Lago, TX and Caddo Mills, TX?

The modeled two-bedroom rents are $1,700/month in El Lago, TX and $1,830/month in Caddo Mills, TX. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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