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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $1.7K/month more in Denton, TX

$150.0K in your current city equals $170.8K in Denton, TX

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 23.2%
More expensive
Monthly Impact
$1,737
Extra cost
Annual Impact
$20.8K
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
100 = national average
Median Home:$149K

Denton, TX

Population:158K
Cost Index:
123
(23% above avg)
Median Home:$354K

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!

Denton, TX

The Lone Star State

158K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 158K residents.

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

Cost Breakdown by Category

Annual spending: Lubbock, TX vs Denton, TX

Housing
โ†‘ 22.3%
Lubbock, TX
$1,949
Denton, TX
$2,384
Difference
$435
more
Other
โ†‘ 24.9%
Lubbock, TX
$1,540
Denton, TX
$1,924
Difference
$384
more
Healthcare
โ†‘ 20.0%
Lubbock, TX
$527
Denton, TX
$632
Difference
$105
more
All Utilities
โ†‘ 15.7%
Lubbock, TX
$486
Denton, TX
$563
Difference
$76.28
more
Groceries
โ†‘ 6.5%
Lubbock, TX
$919
Denton, TX
$979
Difference
$59.58
more
Transportation
โ†‘ 4.3%
Lubbock, TX
$1,243
Denton, TX
$1,297
Difference
$53.64
more

๐Ÿ Rent Comparison

Studio
From$815
To$1,283
โ†‘ $468
1 Bed
From$990
To$1,338
โ†‘ $348
2 Bed
From$1,175
To$1,567
โ†‘ $392
3 Bed
From$1,630
To$1,970
โ†‘ $340
Lubbock, TXZIP-level data

1BR range: $910โ€“$1,170/mo

Denton, TXZIP-level data

1BR range: $1,400โ€“$1,720/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
$7,777
Monthly in Denton, TX
$1,113
Difference

Home Values

Lubbock
Denton
$149K
Median Value
$354K
โ†“ -1.9%
YoY Change
โ†“ -4.2%
โ†‘ +20.4%
5-Year Change
โ†‘ +27.4%
$95K - $292K
Price Range
$273K - $402K

Homes in Denton are 138% 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

Denton, 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%

Denton, 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
Denton
23 Good
Air Quality
40 Good
92.2%
Good Air Days
77.5%
96 High
Climate Risk
99 High
โ˜€๐ŸŒช๐Ÿ’จ
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+2.7ยฐF
78 days
Heat Days >95ยฐF
81 days
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+2.7ยฐF
78 days
Heat Days >95ยฐF
81 days

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