Is Lubbock, TX cheaper than Amarillo, TX?

Based on cost of living data, Lubbock, TX is 7.8% cheaper than Amarillo, TX. This translates to saving $585 per month.

What salary do I need in Lubbock, TX to live like I do in Amarillo, TX?

If you earn $150,000 in Amarillo, TX, you'd need approximately $142,981.764 in Lubbock, TX to maintain the same standard of living.

How does housing cost compare between Amarillo, TX and Lubbock, TX?

Housing in Lubbock, TX is 7.8% cheaper than in Amarillo, TX. For a two-bedroom apartment, rent is $1,175/month in Lubbock, TX compared to $1,264/month in Amarillo, TX.

How much can I save per month by moving from Amarillo, TX to Lubbock, TX?

Moving from Amarillo, TX to Lubbock, TX could save you approximately $585 per month, or $7018 per year, based on a $150,000 salary.

Amarillo, TX vs Lubbock, TX: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Amarillo, TX

Numbers update automatically as you type

You'd save $585/month moving to Lubbock, TX

$150.0K in your current city equals $143.0K in Lubbock, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 7.8%

Less expensive

Monthly Impact

$585

Savings

Annual Impact

$7.0K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Amarillo, TX

Population:202K

Cost Index:

100

100 = national average

Median Home:$165K

Lubbock, TX

Population:259K

Cost Index:

(8% below avg)

Median Home:$149K

Amarillo, TX

The Lone Star State

202K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 202K residents.

💡 Advantage: Texas has no state income tax!

Lubbock, TX

The Lone Star State

259K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 259K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Amarillo, TX vs Lubbock, TX

Category	Amarillo, TX	Lubbock, TX	Difference	Change
Housing	$2,114/mo	$1,949/mo	↓ $165less	7.8%
Other	$1,670/mo	$1,540/mo	↓ $130less	7.8%
Transportation	$1,348/mo	$1,243/mo	↓ $105less	7.8%
Groceries	$957/mo	$919/mo	↓ $38.09less	4.0%
Healthcare	$548/mo	$527/mo	↓ $21.82less	4.0%
All Utilities	$506/mo	$486/mo	↓ $20.15less	4.0%

Housing

↓ 7.8%

Amarillo, TX

$2,114

Lubbock, TX

$1,949

Difference

$165

less

Other

↓ 7.8%

Amarillo, TX

$1,670

Lubbock, TX

$1,540

Difference

$130

less

Transportation

↓ 7.8%

Amarillo, TX

$1,348

Lubbock, TX

$1,243

Difference

$105

less

Groceries

↓ 4.0%

Amarillo, TX

$957

Lubbock, TX

$919

Difference

$38.09

less

Healthcare

↓ 4.0%

Amarillo, TX

$548

Lubbock, TX

$527

Difference

$21.82

less

All Utilities

↓ 4.0%

Amarillo, TX

$506

Lubbock, TX

$486

Difference

$20.15

less

🏠Rent Comparison

Studio

From$889

To$815

↓ $74.00

1 Bed

From$1,030

To$990

↓ $40.00

2 Bed

From$1,264

To$1,175

↓ $89.00

3 Bed

From$1,719

To$1,630

↓ $89.00

Amarillo, TXZIP-level data

1BR range: $860–$1,110/mo

Lubbock, TXZIP-level data

1BR range: $910–$1,170/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,145

Monthly in Amarillo, TX

$6,664

Monthly in Lubbock, TX

$480

Difference

Home Values

Amarillo

Lubbock

$165K

Median Value

$149K

↑ +1.3%

YoY Change

↓ -1.9%

↑ +32.4%

5-Year Change

↑ +20.4%

$106K - $375K

Price Range

$95K - $292K

Homes in Lubbock are 10% less expensive than Amarillo

Calculate payment - Amarillo Calculate payment - Lubbock

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Amarillo, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Lubbock, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Amarillo, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Lubbock, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.