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Denton County · TX

Cost of living in Little Elm, TX

By Mariela Lovo Ol, REALTOR® · Updated

The cost of living in Little Elm, TX depends heavily on which part of town you buy in. School district, water provider and PID status can all change from one community to the next, so budget by address.

How much does housing cost in Little Elm?

This page shows live MLS figures instead of a median that would go stale. Compare resales near the lake with new homes along US 380, since new communities often add HOA dues and PID assessments to the monthly cost.

Use the affordability calculator to set a range, then browse Little Elm homes for sale.

What property taxes will I pay in Little Elm?

The Town's own rate for fiscal 2025-26 is $0.549901 per $100 of value. The Town says the school district averages about 60% of the bill, the Town 30% and Denton County 10%. A PID, MUD or water district adds more where one exists.

Owners 65 and older and disabled owners can claim a $10,000 Town exemption in addition to the state school exemptions.

See property taxes in Little Elm for each rate and exemption.

What insurance should I plan for?

Hail is the main storm risk for North Texas roofs. The Texas Department of Insurance notes that policies can carry separate deductibles for different types of loss, and roofs paid at actual cash value pay less as they age.

Near Lewisville Lake, flood matters too. The Town notes that standard homeowners policies exclude flooding, so get a flood quote on lake-area and creek-side homes.

Who provides utilities in Little Elm?

The Town's utility billing office handles water and sewer where the Town is the provider, and its service-area map shows whether that includes your address. Community Waste Disposal collects trash and recycling.

CoServ, a member-owned co-op, serves at least part of Little Elm. Co-op members buy power from the co-op, so retail choice on Power to Choose applies only outside co-op areas. Confirm the electric provider before you close.

New water accounts with the Town pay a processing fee and a deposit, so set up service a few days before move-in.

What does it cost to get around from Little Elm?

Little Elm has no DART or DCTA rail or bus service, so plan on driving. The Census Bureau puts the average commute at 34.6 minutes. SH 121 and the Dallas North Tollway are toll roads, and NTTA says drivers without a TollTag pay twice as much through ZipCash billing.

The Lewisville Lake Toll Bridge, about 1.7 miles long, is a shortcut west toward I-35E.

What are the sales and income taxes?

The combined sales tax rate in Little Elm is 8.25%, the state's 6.25% plus local taxes at the 2% maximum. Texas has no personal income tax.

Common questions

What is the sales tax rate in Little Elm, TX?

The combined rate is 8.25%, according to the Texas Comptroller's July 2026 table. That includes the 6.25% state rate and 2% in local taxes.

What is Little Elm's town property tax rate?

The Town of Little Elm's rate for fiscal 2025-26 is $0.549901 per $100 of value. Your bill also includes Denton County, your school district and any special district.

Can I choose my electricity provider in Little Elm?

It depends on the address. CoServ, an electric co-op, serves at least part of Little Elm, and co-op members buy from the co-op. In areas outside the co-op, you can compare plans on Power to Choose.

Is there public transit in Little Elm?

No. Little Elm is not a DART or DCTA member, so there is no local rail or bus service. Most residents drive.

Sources

  1. QuickFacts: Little Elm town, Texas, U.S. Census Bureau (read 2026-09-24)
  2. Little Elm, Texas, Wikipedia (read 2026-09-24)
  3. Geography of Little Elm, Little Elm Economic Development Corporation (read 2026-09-24)
  4. Property Tax Rates, Town of Little Elm (read 2026-09-24)
  5. Public Improvement Districts, Town of Little Elm (read 2026-09-24)
  6. About Us, Little Elm ISD (read 2026-09-24)
  7. Attendance Zones, Denton ISD (read 2026-09-24)
  8. Little Elm Location, Little Elm Economic Development Corporation (read 2026-09-24)
  9. Lewisville Lake Toll Bridge, Wikipedia (read 2026-09-24)
  10. DCTA home page, Denton County Transportation Authority (read 2026-09-24)
  11. Hill Lane Expansion: Traffic Route Shifts to Phase 2, Town of Little Elm (read 2026-09-24)
  12. Utility Service - Water, Town of Little Elm (read 2026-09-24)
  13. Paloma Creek, Texas, Wikipedia (read 2026-09-24)
  14. Trash, Recycle, & Bulk, Town of Little Elm (read 2026-09-24)
  15. Town of Little Elm home page (Quick Links: Residential CoServ Release), Town of Little Elm (read 2026-09-24)
  16. About, CoServ (read 2026-09-24)
  17. Little Elm Park, Town of Little Elm (read 2026-09-24)
  18. Lakefront Trail, Town of Little Elm (read 2026-09-24)
  19. The Cove at The Lakefront, Town of Little Elm (read 2026-09-24)
  20. The Lakefront at Little Elm, Lakefront Little Elm (Town of Little Elm) (read 2026-09-24)
  21. Spiritas Ranch, Centurion American (developer site) (read 2026-09-24)
  22. Valencia on the Lake, Centurion American (developer site) (read 2026-09-24)
  23. Communities: Union Park, Hillwood Communities (read 2026-09-24)
  24. Real Estate (flowage easements), U.S. Army Corps of Engineers, Lewisville Lake (read 2026-09-24)
  25. Lake Information, U.S. Army Corps of Engineers, Lewisville Lake (read 2026-09-24)
  26. Flood Insurance Rate Map (FIRM), Town of Little Elm (read 2026-09-24)
  27. Frisco Independent School District, Wikipedia (read 2026-09-24)
  28. Aubrey Independent School District, Wikipedia (read 2026-09-24)
  29. Local Schools, Little Elm Economic Development Corporation (read 2026-09-24)
  30. Property Tax Exemptions, Texas Comptroller of Public Accounts (read 2026-09-24)
  31. Property Tax Protests and Appeals, Texas Comptroller of Public Accounts (read 2026-09-24)
  32. Clear as MUD, Texas Real Estate Research Center at Texas A&M University (read 2026-09-24)
  33. Don't Piddle Around with PID Notices, Texas Real Estate Research Center at Texas A&M University (read 2026-09-24)
  34. NTTA home page (TollTag and ZipCash), North Texas Tollway Authority (read 2026-09-24)
  35. Choosing an Electric Plan, Public Utility Commission of Texas (read 2026-09-24)
  36. Home insurance guide, Texas Department of Insurance (read 2026-09-24)
  37. 5 Tips for Buying New Construction, Freddie Mac (read 2026-09-24)
  38. Contracts (promulgated forms), Texas Real Estate Commission (read 2026-09-24)
  39. Texas Public Schools (TXschools.gov), Texas Education Agency (read 2026-09-24)
  40. Why Texas, Office of the Texas Governor, Economic Development and Tourism (read 2026-09-24)
  41. Property Tax Rate (FY2026 rates by taxing entity: Denton County, Frisco ISD, Little Elm ISD), City of Frisco (read 2026-09-24)
  42. Valuing Property (homestead 10 percent limit; circuit breaker limitation), Texas Comptroller of Public Accounts (read 2026-09-24)
  43. Sales and Use Tax, Texas Comptroller of Public Accounts (read 2026-09-24)
  44. Texas Sales and Use Tax Rates – July 2026 (city rates), Texas Comptroller of Public Accounts (read 2026-09-24)
  45. Pool and Spa Requirements (Building Safety Division), Town of Little Elm (read 2026-09-24)
  46. Health and Safety Code Chapter 757 – Pool Yard Enclosures, Texas Legislature (via texas.public.law) (read 2026-09-24)
  47. Deep Soil Mixing Technology for Mitigation of Pavement Roughness (Report 0-5179-1), Texas Department of Transportation / Texas A&M Transportation Institute (read 2026-09-24)
  48. Little Elm ISD accountability overview, Texas Education Agency (TXschools.gov) (read 2026-09-24)
  49. Denton ISD accountability overview, Texas Education Agency (TXschools.gov) (read 2026-09-24)
  50. Frisco ISD accountability overview, Texas Education Agency (TXschools.gov) (read 2026-09-24)
  51. Aubrey ISD accountability overview, Texas Education Agency (TXschools.gov) (read 2026-09-24)

Last reviewed: 2026-09-24. Descriptions cover places and amenities, not the people who live there. We are committed to the Fair Housing Act.