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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $87.21/month more in Tulsa, OK

$150.0K in your current city equals $151.0K in Tulsa, OK

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 1.2%
More expensive
Monthly Impact
$87.21
Extra cost
Annual Impact
$1.0K
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

Tulsa, OK

Population:413K
Cost Index:
101
(1% above avg)
Median Home:$187K

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!

Tulsa, OK

The Sooner State

413K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 413K residents.

Cost Breakdown by Category

Annual spending: Lubbock, TX vs Tulsa, OK

Other
โ†‘ 8.7%
Lubbock, TX
$1,540
Tulsa, OK
$1,674
Difference
$134
more
Housing
โ†“ 2.7%
Lubbock, TX
$1,949
Tulsa, OK
$1,897
Difference
$51.97
less
Groceries
โ†“ 1.1%
Lubbock, TX
$919
Tulsa, OK
$909
Difference
$9.99
less
Transportation
โ†’ 0.0%
Lubbock, TX
$1,243
Tulsa, OK
$1,243
Difference
$0
same
All Utilities
โ†’ 0.0%
Lubbock, TX
$486
Tulsa, OK
$486
Difference
$0
same
Healthcare
โ†’ 0.0%
Lubbock, TX
$527
Tulsa, OK
$527
Difference
$0
same

๐Ÿ Rent Comparison

Studio
From$815
To$940
โ†‘ $125
1 Bed
From$990
To$995
โ†‘ $5.00
2 Bed
From$1,175
To$1,225
โ†‘ $50.00
3 Bed
From$1,630
To$1,615
โ†“ $15.00
Lubbock, TXZIP-level data

1BR range: $910โ€“$1,170/mo

Tulsa, OKZIP-level data

1BR range: $780โ€“$1,360/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
$6,736
Monthly in Tulsa, OK
$71.95
Difference

Home Values

Lubbock
Tulsa
$149K
Median Value
$187K
โ†“ -1.9%
YoY Change
โ†‘ +2.1%
โ†‘ +20.4%
5-Year Change
โ†‘ +37%
$95K - $292K
Price Range
$82K - $419K

Homes in Tulsa are 25% 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†“ $7.3K
More taxes
Monthly Difference
$607
Less take-home
Effective Rate Diff
4.9%
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

Tulsa, OK

Federal Income Tax
Effective: 18.9%
$25.5K
Oklahoma State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.5%
$44.3K
Take-Home Pay
$8,809/month
$105.7K

Additional Tax Information

Lubbock, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Tulsa, OK Tax Rates

Sales Tax:8.9%
Property Tax:0.9%

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
Tulsa
23 Good
Air Quality
51 Moderate
92.2%
Good Air Days
48.4%
96 High
Climate Risk
98 High
โ˜€๐ŸŒช๐Ÿ’จ
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
78 days
Heat Days >95ยฐF
61 days
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
78 days
Heat Days >95ยฐF
61 days

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

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