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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $86.21/month moving to Lubbock, TX

$150.0K in your current city equals $149.0K in Lubbock, TX

Rent data from HUD ZIP-level estimates · COL index from Oklahoma City, OK area
Overall Cost
↓ 1.1%
Less expensive
Monthly Impact
$86.21
Savings
Annual Impact
$1.0K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Oklahoma City, OK

Population:696K
Cost Index:
100
100 = national average
Median Home:$197K

Lubbock, TX

Population:259K
Cost Index:
99
(1% below avg)
Median Home:$149K

Oklahoma City, OK

The Sooner State

696K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 696K residents.

Lubbock, TX

The Lone Star State

259K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 259K residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: Oklahoma City, OK vs Lubbock, TX

Other
↓ 3.2%
Oklahoma City, OK
$1,590
Lubbock, TX
$1,540
Difference
$50.22
less
All Utilities
↓ 6.3%
Oklahoma City, OK
$519
Lubbock, TX
$486
Difference
$32.79
less
Transportation
↓ 2.2%
Oklahoma City, OK
$1,270
Lubbock, TX
$1,243
Difference
$27.32
less
Housing
↑ 1.4%
Oklahoma City, OK
$1,923
Lubbock, TX
$1,949
Difference
$25.99
more
Healthcare
↓ 4.5%
Oklahoma City, OK
$551
Lubbock, TX
$527
Difference
$24.78
less
Groceries
↑ 2.2%
Oklahoma City, OK
$899
Lubbock, TX
$919
Difference
$19.99
more

🏠Rent Comparison

Studio
From$960
To$815
↓ $145
1 Bed
From$1,040
To$990
↓ $50.00
2 Bed
From$1,270
To$1,175
↓ $95.00
3 Bed
From$1,710
To$1,630
↓ $80.00
Oklahoma City, OKZIP-level data

1BR range: $780–$1,530/mo

Lubbock, TXZIP-level data

1BR range: $910–$1,170/mo

💡 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.

$6,754
Monthly in Oklahoma City, OK
$6,664
Monthly in Lubbock, TX
$89.14
Difference

Home Values

Oklahoma City
Lubbock
$197K
Median Value
$149K
↓ -0.3%
YoY Change
↓ -1.9%
↑ +29.5%
5-Year Change
↑ +20.4%
$92K - $623K
Price Range
$95K - $292K

Homes in Lubbock are 25% less expensive than Oklahoma City

Calculate payment - Oklahoma CityCalculate payment - Lubbock

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $7.3K
Per year
Monthly Difference
$607
More take-home
Effective Rate Diff
4.9%
Rate difference

Oklahoma City, 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

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

Additional Tax Information

Oklahoma City, OK Tax Rates

Sales Tax:8.9%
Property Tax:0.9%

Lubbock, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

💡 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

Oklahoma City
Lubbock
52 Moderate
Air Quality
23 Good
47%
Good Air Days
92.2%
98 High
Climate Risk
96 High
🌊🌡🌪
Top Hazards
☀🌪💨
▲+3.1°F
2050 Outlook
▲+3.2°F
67 days
Heat Days >95°F
78 days
▲+3.1°F
2050 Outlook
▲+3.2°F
67 days
Heat Days >95°F
78 days

💰 See how taxes change too — compare take-home pay between Oklahoma and Texas on TaxTakeHome.com

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