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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $634/month more in Amarillo, TX

$150.0K in your current city equals $157.6K in Amarillo, TX

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 8.5%
More expensive
Monthly Impact
$634
Extra cost
Annual Impact
$7.6K
Per year

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

Lubbock, TX

Population:259K
Cost Index:
100
100 = national average
Median Home:$149K

Amarillo, TX

Population:202K
Cost Index:
108
(8% above avg)
Median Home:$165K

Lubbock, TX

The Lone Star State

259K
Population
State Tax
No Income Tax

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

๐Ÿ’ก Advantage: Texas has no state income tax!

Amarillo, TX

The Lone Star State

202K
Population
State Tax
No Income Tax

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

๐Ÿ’ก Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Lubbock, TX vs Amarillo, TX

Housing
โ†‘ 8.5%
Lubbock, TX
$1,949
Amarillo, TX
$2,114
Difference
$165
more
Other
โ†‘ 8.5%
Lubbock, TX
$1,540
Amarillo, TX
$1,670
Difference
$130
more
Transportation
โ†‘ 8.5%
Lubbock, TX
$1,243
Amarillo, TX
$1,348
Difference
$105
more
Groceries
โ†‘ 4.1%
Lubbock, TX
$919
Amarillo, TX
$957
Difference
$38.09
more
Healthcare
โ†‘ 4.1%
Lubbock, TX
$527
Amarillo, TX
$548
Difference
$21.82
more
All Utilities
โ†‘ 4.1%
Lubbock, TX
$486
Amarillo, TX
$506
Difference
$20.15
more

๐Ÿ Rent Comparison

Studio
From$815
To$889
โ†‘ $74.00
1 Bed
From$990
To$1,030
โ†‘ $40.00
2 Bed
From$1,175
To$1,264
โ†‘ $89.00
3 Bed
From$1,630
To$1,719
โ†‘ $89.00
Lubbock, TXZIP-level data

1BR range: $910โ€“$1,170/mo

Amarillo, TXZIP-level data

1BR range: $860โ€“$1,110/mo

๐Ÿ’ก 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.

$6,664
Monthly in Lubbock, TX
$7,145
Monthly in Amarillo, TX
$480
Difference

Home Values

Lubbock
Amarillo
$149K
Median Value
$165K
โ†“ -1.9%
YoY Change
โ†‘ +1.3%
โ†‘ +20.4%
5-Year Change
โ†‘ +32.4%
$95K - $292K
Price Range
$106K - $375K

Homes in Amarillo are 11% more expensive than Lubbock

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†’ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Lubbock, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Amarillo, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
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

Lubbock, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Amarillo, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

๐Ÿ’ก 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.

Environment

Lubbock
Amarillo
23 Good
Air Quality
23 Good
92.2%
Good Air Days
92.2%
96 High
Climate Risk
96 High
โ˜€๐ŸŒช๐Ÿ’จ
Top Hazards
โ˜€๐ŸŒช๐Ÿ’จ
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+3.2ยฐF
78 days
Heat Days >95ยฐF
78 days
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+3.2ยฐF
78 days
Heat Days >95ยฐF
78 days

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