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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

$
Numbers update automatically as you type

You'd spend $436/month more in San Antonio, TX

$150.0K in your current city equals $155.2K in San Antonio, TX

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 5.8%
More expensive
Monthly Impact
$436
Extra cost
Annual Impact
$5.2K
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

San Antonio, TX

Population:1547K
Cost Index:
106
(6% above avg)
Median Home:$215K

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!

San Antonio, TX

The Lone Star State

1.5M
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 1.5M residents.

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

Cost Breakdown by Category

Annual spending: Lubbock, TX vs San Antonio, TX

Housing
โ†‘ 7.7%
Lubbock, TX
$1,949
San Antonio, TX
$2,100
Difference
$151
more
Other
โ†‘ 7.0%
Lubbock, TX
$1,540
San Antonio, TX
$1,647
Difference
$107
more
Transportation
โ†‘ 3.5%
Lubbock, TX
$1,243
San Antonio, TX
$1,287
Difference
$43.71
more
All Utilities
โ†‘ 1.9%
Lubbock, TX
$486
San Antonio, TX
$496
Difference
$9.29
more
Groceries
โ†“ 0.7%
Lubbock, TX
$919
San Antonio, TX
$913
Difference
$6.00
less
Healthcare
โ†’ 0.0%
Lubbock, TX
$527
San Antonio, TX
$527
Difference
$0
same

๐Ÿ Rent Comparison

Studio
From$815
To$1,110
โ†‘ $295
1 Bed
From$990
To$1,210
โ†‘ $220
2 Bed
From$1,175
To$1,470
โ†‘ $295
3 Bed
From$1,630
To$1,890
โ†‘ $260
Lubbock, TXZIP-level data

1BR range: $910โ€“$1,170/mo

San Antonio, TXZIP-level data

1BR range: $840โ€“$1,770/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
$6,969
Monthly in San Antonio, TX
$305
Difference

Home Values

Lubbock
San Antonio
$149K
Median Value
$215K
โ†“ -1.9%
YoY Change
โ†“ -2.9%
โ†‘ +20.4%
5-Year Change
โ†‘ +16.7%
$95K - $292K
Price Range
$107K - $905K

Homes in San Antonio are 44% 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

San Antonio, 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%

San Antonio, 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
San Antonio
23 Good
Air Quality
52 Moderate
92.2%
Good Air Days
47.5%
96 High
Climate Risk
99 High
โ˜€๐ŸŒช๐Ÿ’จ
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+2.6ยฐF
78 days
Heat Days >95ยฐF
105 days
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+2.6ยฐF
78 days
Heat Days >95ยฐF
105 days

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