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Cost of Living Comparison 2026

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You'd spend $1.5K/month more in Tampa, FL

$150.0K in your current city equals $167.8K in Tampa, FL

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

Tampa, FL

Population:385K
Cost Index:120
Median Home:$367K

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!

Tampa, FL

The Sunshine State

385K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • โ€ขMajor Tampa Bay area
  • โ€ขNo state income tax
  • โ€ขGrowing tech scene

Major Industries

FinanceTechnologyHealthcareTourism

Cost Breakdown by Category

Annual spending: Lubbock, TX vs Tampa, FL

๐Ÿ Housing
โ†‘ 38.7%
Lubbock, TX
$1,949
Tampa, FL
$2,703
Difference
$754
more
๐Ÿ“ฆOther
โ†‘ 17.4%
Lubbock, TX
$1,540
Tampa, FL
$1,808
Difference
$268
more
๐Ÿ›’Groceries
โ†‘ 10.9%
Lubbock, TX
$919
Tampa, FL
$1,019
Difference
$99.93
more
โšกAll Utilities
โ†‘ 18.0%
Lubbock, TX
$486
Tampa, FL
$574
Difference
$87.43
more
๐ŸฅHealthcare
โ†‘ 8.2%
Lubbock, TX
$527
Tampa, FL
$570
Difference
$43.37
more
๐Ÿš—Transportation
โ†‘ 3.3%
Lubbock, TX
$1,243
Tampa, FL
$1,284
Difference
$40.98
more

๐Ÿ Rent Comparison

Studio
From$815
To$1,850
โ†‘ $1,035
1 Bed
From$990
To$1,960
โ†‘ $970
2 Bed
From$1,175
To$2,290
โ†‘ $1,115
3 Bed
From$1,630
To$2,930
โ†‘ $1,300
Lubbock, TXZIP-level data

1BR range: $910โ€“$1,170/mo

Tampa, FLZIP-level data

1BR range: $1,410โ€“$2,550/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
$7,958
Monthly in Tampa, FL
$1,293
Difference

Home Values

Lubbock
Tampa
$149K
Median Value
$367K
โ†“ -1.9%
YoY Change
โ†“ -4%
โ†‘ +20.4%
5-Year Change
โ†‘ +42.1%
$95K - $292K
Price Range
$251K - $989K

Homes in Tampa are 146% 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

Tampa, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida 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%

Tampa, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

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
Tampa
23 Good
Air Quality
50 Good
92.2%
Good Air Days
52.5%
96 High
Climate Risk
99 High
โ˜€๐ŸŒช๐Ÿ’จ
Top Hazards
๐ŸŒŠ๐ŸŒ…๐ŸŒ€
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+2.2ยฐF
78 days
Heat Days >95ยฐF
38 days
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+2.2ยฐF
78 days
Heat Days >95ยฐF
38 days

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

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