Lubbock

Lubbock, Texas is a mid-size city with a population of approximately 266,878. The overall cost of living index sits at 92, which is below the national average of 100. This means everyday expenses — housing, groceries, transportation, and healthcare — are roughly 8% less expensive compared to the typical U.S. city.

Housing is the largest cost driver in Lubbock. Median rent is $1,388 per month, while the median home price is $207,080. At a median household income of $60,487, rent consumes roughly 28% of gross income, which remains manageable relative to local incomes. The housing sub-index of 79 reflects well below-average housing expenses.

Beyond housing, healthcare is the most elevated non-shelter expense in Lubbock with a sub-index of 94, while utilities is comparatively more affordable at 84. State-level taxes also shape the true cost of living: Texas applies a 0.00% income tax rate, and property tax averages 1.60% of assessed home value. The combined sales tax rate is 8.19%. Local income tax may apply in some municipalities.

Over the past twelve months, the cost of living in Lubbock has trended downward. Among the 40 tracked cities in Texas, Lubbock ranks #8 from most to least affordable. Whether you're evaluating a job offer, planning a relocation, or comparing salary purchasing power, these numbers give a grounded, data-backed view of what life in Lubbock actually costs.