Where Elgin Home Buyers Are Moving From
This page shares the public data behind one question Elgin sellers ask: where do the people moving into our area come from? The answer shapes marketing, pricing, and prep, so it's worth knowing the actual numbers.
One important detail before the numbers: the IRS data counts households (tax returns) moving into all of Comanche County, which includes Lawton and Elgin. It doesn't count Elgin by itself, and it counts all movers, not only buyers.
Where households moved into Comanche County from
These are some of the largest out-of-state sources of households moving into Comanche County, Oklahoma, for the 2022–23 tax year, with the 2021–22 tax year shown for comparison.
| Out-of-state origin | Households, 2022–23 | Households, 2021–22 |
|---|---|---|
| Bell County, TX Killeen / Fort Cavazos area | 117 | 100 |
| El Paso County, TX El Paso / Fort Bliss area | 99 | 108 |
| El Paso County, CO Colorado Springs / Fort Carson area | 74 | 101 |
| Tarrant County, TX Fort Worth | 54 | 69 |
3,788
Total households that moved into Comanche County, 2022–23 tax year
2,974
Of those households came from another state, 2022–23 tax year
Notes on this data, in plain words
- Moves within Comanche County, like Lawton or Cache to Elgin, aren't counted in this data.
- Counties below the IRS disclosure threshold aren't listed by name.
- IRS returns are a rough stand-in for households.
Source: IRS Statistics of Income, U.S. county-to-county migration data, countyinflow2223.csv and countyinflow2122.csv (https://www.irs.gov/statistics/soi-tax-stats-migration-data).
What it means for selling an Elgin home
When a large share of buyers shops from out of state, the online presentation of a home becomes part of the sale itself. Clear professional photos, video tours, and quick answers to emailed questions matter as much as the yard sign, because many buyers are making decisions from a distance.
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Photos and video tours carry the first impression
Out-of-state buyers often decide which homes to see in person based entirely on what they can view online.
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Quick answers close the gap
A fast, direct response to a remote buyer's question can be the difference between a tour and a pass.
On loans and preparation
Since most mortgage-financed purchases in this price range are VA loans, the VA appraisal and VA property standards matter when pricing and prepping a home. That's a comment about the loan and the house: a VA appraisal compares a home against the market, and VA property standards flag condition issues before a sale can close. Pricing and prep that account for those steps help a sale move smoothly.
Loan-type data for Elgin home purchases
These figures describe the home loans behind mortgage-financed purchases in the two Elgin census tracts, 2022–2025 combined. They are facts about loans, not about who the borrowers are.
VA loan share of financed purchases
75.2%
Homes priced $245K–$425K, Elgin census tracts 40031002101 and 40031002201, 2022–2025 combined
FHA loan share
7.3%
Same price band, same two Elgin census tracts, 2022–2025 combined
Loans counted
423
First-lien, primary-residence home purchase loans, 2022–2025
Price band covered
$245K–$425K
Elgin census tracts 40031002101 and 40031002201
The programs behind those loans
- A VA loan can require $0 down (VA.gov).
- FHA requires at least 3.5% down with a 580+ credit score (HUD).
- HMDA covers mortgage-financed purchases only, not cash sales.
Source: CFPB / FFIEC HMDA public data (https://ffiec.cfpb.gov/data-browser/).
Thinking about selling in Elgin? Get your home value
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Get your home valueQuestions about the Elgin buyer data
Where do people moving to Comanche County come from?
Based on IRS county-to-county migration data, 3,788 households moved into Comanche County in the 2022–23 tax year, and 2,974 of them came from another state. Some of the largest out-of-state sources were Bell County, TX (117 households), El Paso County, TX (99), El Paso County, CO (74), and Tarrant County, TX (54).
Does this data include moves from Lawton to Elgin?
No. The IRS migration data counts households moving into Comanche County from other counties and states. Moves within Comanche County, such as from Lawton or Cache to Elgin, aren't counted in this data.
What share of Elgin home purchase loans are VA loans?
About 3 in 4 (75.2%) of mortgage-financed purchases of homes priced $245K–$425K in Elgin's two census tracts (40031002101 and 40031002201) used a VA loan over 2022–2025 combined, based on 423 first-lien, primary-residence home purchase loans. FHA was 7.3%. HMDA covers mortgage-financed purchases only, not cash sales.
How often is this data updated?
The IRS posts a new year of county-to-county migration data about once a year. When the updated numbers come out, Travis will share the update on this page.
Where this data comes from
Every figure on this page traces back to a public source you can check yourself.
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IRS Statistics of Income
U.S. county-to-county migration data, countyinflow2223.csv and countyinflow2122.csv.
View the IRS migration data -
CFPB / FFIEC HMDA public data
Home Mortgage Disclosure Act loan-level data for covered lenders.
Browse HMDA data -
VA.gov and HUD
Program rules for VA-backed purchase loans and FHA-insured loans.
Data as of: IRS 2021–22 and 2022–23 tax years · HMDA 2022–2025. Public datasets update on their own schedules; this page will be updated as new years are released.
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