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Cost of Living Comparison 2026

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You'd spend $2.1K/month more in Denver, CO

$150.0K in your current city equals $175.1K in Denver, CO

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 27.9%
More expensive
Monthly Impact
$2,093
Extra cost
Annual Impact
$25.1K
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

Denver, CO

Population:716K
Cost Index:128
Median Home:$513K

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!

Denver, CO

The Centennial State

716K
Population
State Tax
Yes
Climate
Semi-arid

Notable Facts

  • โ€ขMile-high city (5,280 ft)
  • โ€ขOutdoor recreation hub
  • โ€ขMajor cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

Cost Breakdown by Category

Annual spending: Lubbock, TX vs Denver, CO

๐Ÿ Housing
โ†‘ 66.7%
Lubbock, TX
$1,949
Denver, CO
$3,248
Difference
$1,299
more
๐Ÿ“ฆOther
โ†‘ 15.2%
Lubbock, TX
$1,540
Denver, CO
$1,774
Difference
$234
more
๐Ÿš—Transportation
โ†‘ 17.6%
Lubbock, TX
$1,243
Denver, CO
$1,462
Difference
$219
more
๐Ÿ›’Groceries
โ†‘ 12.0%
Lubbock, TX
$919
Denver, CO
$1,029
Difference
$110
more
๐ŸฅHealthcare
โ†‘ 20.0%
Lubbock, TX
$527
Denver, CO
$632
Difference
$105
more
โšกAll Utilities
โ†‘ 6.7%
Lubbock, TX
$486
Denver, CO
$519
Difference
$32.79
more

๐Ÿ›๏ธ Local Income Taxes

Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)

Lubbock, TX has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

๐Ÿ Rent Comparison

Studio
From$815
To$1,720
โ†‘ $905
1 Bed
From$990
To$1,840
โ†‘ $850
2 Bed
From$1,175
To$2,190
โ†‘ $1,015
3 Bed
From$1,630
To$2,870
โ†‘ $1,240
Lubbock, TXZIP-level data

1BR range: $910โ€“$1,170/mo

Denver, COZIP-level data

1BR range: $1,620โ€“$2,540/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
$8,665
Monthly in Denver, CO
$2,000
Difference

Home Values

Lubbock
Denver
$149K
Median Value
$513K
โ†“ -1.9%
YoY Change
โ†“ -4.2%
โ†‘ +20.4%
5-Year Change
โ†‘ +13%
$95K - $292K
Price Range
$352K - $933K

Homes in Denver are 244% 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†“ $6.6K
More taxes
Monthly Difference
$550
Less take-home
Effective Rate Diff
4.4%
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

Denver, CO

Federal Income Tax
Effective: 18.9%
$25.5K
Colorado State Tax
Effective: 4.4%
$6.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.1%
$43.6K
Take-Home Pay
$8,866/month
$106.4K

Additional Tax Information

Lubbock, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Denver, CO Tax Rates

Sales Tax:7.8%
Property Tax:0.5%

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
Denver
23 Good
Air Quality
55 Moderate
92.2%
Good Air Days
35.2%
96 High
Climate Risk
95 High
โ˜€๐ŸŒช๐Ÿ’จ
Top Hazards
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
78 days
Heat Days >95ยฐF
28 days
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
78 days
Heat Days >95ยฐF
28 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Texas and Colorado on TaxTakeHome.com

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