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Lubbock, TX

Cost of living in Lubbock, Texas

Lubbock County, TX

Part of the Lubbock Metro Area

Estimated monthly cost
$2,824/mo
for a single person, all categories combined

Population 314,633 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,007 36%
Healthcare $480 17%
Federal tax $429 15%
Groceries $334 12%
Transport $320 11%
Energy $199 7%
Water $55 2%
State tax $0 0%

Rent in Lubbock

Fair Market Rents by bedroom count.

Studio
$832
per month
1 bedroom
$1,007
per month
2 bedroom
$1,192
per month
3 bedroom
$1,658
per month
4 bedroom
$1,947
per month

Source: HUD FMR FY2025

Income and earnings in Lubbock

Annual earnings figures from the Census ACS.

Household income
$63,367
per year
Individual earnings
$36,286
per year
Per capita
$35,170
per year

Source: ACS 2019-2023 5-Year.

Home values in Lubbock

Average values reported by homeowners.

Average home value
$199,600
Annual property tax
$3,119

Source: ACS 2019-2023 5-Year

Energy costs in Lubbock

Estimated monthly electricity and gas costs.

Electricity
$167
per month · 14.5¢/kWh
Natural gas
$32
per month
Annual total
$2,388
per year

Source: EIA

Healthcare in Lubbock

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
13.7%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Lubbock

State and local tax rates for Texas.

No state income tax
Texas does not levy a personal income tax.
State sales tax
6.3%
Combined sales tax
8.2%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Lubbock

Commute patterns and estimated costs.

Average commute
16.9 min
Drive alone
78.0%
Public transit
0.6%
Work from home
6.7%

Source: ACS

Monthly cost estimates for Lubbock

What it costs to live in Lubbock each month.

Single person
$2,824
per month
  • Rent $1,007
  • Energy $199
  • Water $55
  • Groceries $334
  • Transport $320
  • Healthcare $480
  • Federal tax $429
  • State tax $0
Couple
$4,040
per month
  • Rent $1,192
  • Energy $239
  • Water $65
  • Groceries $553
  • Transport $420
  • Healthcare $864
  • Federal tax $707
  • State tax $0
Family
$6,648
per month
  • Rent $1,658
  • Energy $298
  • Water $75
  • Groceries $840
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $707
  • State tax $0

Frequently asked questions about Lubbock

Common questions about cost of living, rent and salary.

What is the average rent in Lubbock?

In Lubbock, Texas, a one-bedroom apartment averages $1,007 per month, a two-bedroom averages $1,192 per month, a three-bedroom averages $1,658 per month, according to HUD Fair Market Rent data.

What is the average salary in Lubbock?

In Lubbock, Texas, the average household income is $63,367 per year and individual earnings for full-time workers average $36,286 per year, according to U.S. Census Bureau data.

What is the cost of living in Lubbock?

The estimated cost of living in Lubbock, Texas is approximately $2,824 per month for a single person, $4,040 for a couple, $6,648 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Lubbock?

The combined sales tax rate in Lubbock, Texas is 8.19%, which includes the Texas state rate of 6.25% plus an average local rate of 1.94%.

Is Lubbock an affordable place to live?

Based on the data, a single person in Lubbock, Texas would need approximately $2,824 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $63,367 per year ($5,281 per month). Lubbock has a moderate cost of living relative to local earnings.

How much does healthcare cost in Lubbock?

The ACA marketplace benchmark premium in Lubbock, Texas is approximately $480 per month for an individual. Approximately 13.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Lubbock?

The average home value in Lubbock, Texas is $199,600, with average annual property taxes of $3,119, according to U.S. Census Bureau data.

How does Lubbock compare to other areas?

You can compare Lubbock, Texas with any other US county using our comparison tool at /compare. Lubbock is in the Lubbock, TX metro area.

Other counties in Texas

Browse the full list of counties in Texas, ranked by cost of living.

See all counties in Texas

Compare Lubbock with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources