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Cost of Living Comparison 2026

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You'd spend $1.5K/month more in Austin, TX

$150.0K in your current city equals $167.8K in Austin, TX

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 19.8%
More expensive
Monthly Impact
$1,483
Extra cost
Annual Impact
$17.8K
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
Median Home:$149K

Austin, TX

Population:979K
Cost Index:120
Median Home:$558K

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!

Austin, TX

The Lone Star State

979K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • โ€ขLive music capital
  • โ€ขMajor tech hub
  • โ€ขSXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Lubbock, TX vs Austin, TX

๐Ÿ Housing
โ†‘ 48.0%
Lubbock, TX
$1,949
Austin, TX
$2,885
Difference
$936
more
๐Ÿ“ฆOther
โ†‘ 13.0%
Lubbock, TX
$1,540
Austin, TX
$1,741
Difference
$201
more
๐ŸฅHealthcare
โ†‘ 11.8%
Lubbock, TX
$527
Austin, TX
$589
Difference
$61.96
more
โšกAll Utilities
โ†‘ 11.2%
Lubbock, TX
$486
Austin, TX
$541
Difference
$54.64
more
๐Ÿš—Transportation
โ†‘ 3.3%
Lubbock, TX
$1,243
Austin, TX
$1,284
Difference
$40.98
more
๐Ÿ›’Groceries
โ†‘ 4.3%
Lubbock, TX
$919
Austin, TX
$959
Difference
$39.97
more

๐Ÿ Rent Comparison

Studio
From$815
To$1,585
โ†‘ $770
1 Bed
From$990
To$1,685
โ†‘ $695
2 Bed
From$1,175
To$1,995
โ†‘ $820
3 Bed
From$1,630
To$2,525
โ†‘ $895
Lubbock, TXZIP-level data

1BR range: $910โ€“$1,170/mo

Austin, TXZIP-level data

1BR range: $1,490โ€“$2,350/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
$7,998
Monthly in Austin, TX
$1,334
Difference

Home Values

Lubbock
Austin
$149K
Median Value
$558K
โ†“ -1.9%
YoY Change
โ†“ -5%
โ†‘ +20.4%
5-Year Change
โ†‘ +12.6%
$95K - $292K
Price Range
$272K - $1.26M

Homes in Austin are 275% 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

Austin, 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%

Austin, 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
Austin
23 Good
Air Quality
52 Moderate
92.2%
Good Air Days
42.6%
96 High
Climate Risk
98 High
โ˜€๐ŸŒช๐Ÿ’จ
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+2.5ยฐF
78 days
Heat Days >95ยฐF
98 days
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+2.5ยฐF
78 days
Heat Days >95ยฐF
98 days

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