This paper investigates the mechanical properties of low-carbon engineered cementitious composite (L-ECC) incorporating 67.7% cement replacement with elevated fly ash content to reduce carbon emissions from Portland cement. The research involved testing three experimental series: compression, direct tension, and flexure to assess the performance of this material under various loading conditions. The digital image correlation technique was employed in each series to capture the progression of microcracks, which are indiscernible to the naked eye. Additionally, the average properties obtained from the compressive and tensile tests were used as input parameters to predict the flexural response of L-ECC plates through 3D nonlinear finite element analysis. The experimental results demonstrated a mean compressive strength of 59.5 MPa with a coefficient of variation (COV) of 2.1%, indicating reasonable material consistency. Direct tensile and flexural tests revealed strain-hardening behavior exceeding 1%, aligning closely with conventional ECC documented in the literature. The application of the digital image correlation technique was shown to effectively monitor microcrack progression under loading. Furthermore, the nonlinear finite element analysis accurately predicted the flexural response of L-ECC plates. The embodied carbon analysis of L-ECC also resulted in promising outcomes, with 41.2% reduced embodied carbon indicating a significant reduction in carbon emissions compared to conventional ECC.