Elgin vs Roswell
Cost of Living Comparison · 2026
Elgin
Roswell
The Verdict
Living in Elgin costs 15.9% less than Roswell. To match the purchasing power of a $75,000 salary in Elgin, you would need $89,211 in Roswell.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Elgin has the same purchasing power as $89,211 in Roswell.
Conversely, $75,000 in Roswell equals $63,053 in Elgin.
Living in Elgin vs Roswell
Housing Costs
Elgin's housing index of 89 is lower Roswell's 187, translating to median home prices of $279,000 vs $647,000. The $368,000 difference in home prices means roughly $23,916 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,375/mo in Elgin compared to $1,700/mo in Roswell, a monthly difference of $325.
Grocery & Food Costs
Grocery expenses index at 104 in Elgin and 101 in Roswell. A household spending the national average of $475/month on groceries would pay approximately $494/month in Elgin vs $480/month in Roswell. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 89 in Elgin and 98 in Roswell. Monthly utility bills average approximately $356 in Elgin vs $392 in Roswell. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 105 in Elgin and 103 in Roswell. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $90,300 in Elgin and $108,800 in Roswell. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $95,053 and $96,283 respectively. Roswell residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,107/month to housing in Elgin vs $2,539/month in Roswell. In Elgin, median rent of $1,375/mo fits within this budget. In Roswell, median rent of $1,700/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 98 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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