Cost of living in Lubbock, TX: What to expect when living here as a renter

Lubbock is a West Texas city that blends community warmth, open skies, and a pace of life that’s easy to enjoy. For renters looking for their happy place, it offers the kind of balance that’s getting harder to find — affordable living, a strong job market, and plenty of local charm.

Understanding the cost of living in Lubbock, TX, is the best way to see how far your budget can go. When you compare the cost of living here to other cities in Texas or across the country, it’s clear that Lubbock delivers real value. With housing, utilities, and daily expenses generally below national averages, renters can enjoy more comfort without stretching their paychecks.

What is the average cost of living in Lubbock, TX?

Renting in the “Hub City” offers a mix of affordability and convenience. The average cost of living in Lubbock, TX, is lower than in many other Texas cities, making it attractive to renters looking for comfort without overspending. From housing to healthcare, most essential expenses here stay below the national average.

While some expenses line up closely with the Texas average, others fall well below national levels, giving renters a balanced financial picture:

• Housing: Equal to the Texas average and 16% lower than the national average.
• Utilities: 13% lower than the state average and 12% lower than the national average.
• Food: Matches the Texas average and is 4% lower than the national average.
• Healthcare: 10% lower than the state average and 11% lower than the national average.
• Transportation: 5% lower than the state average and 11% lower than the national average.
• Goods & Services: 8% lower than the state average and 6% lower than the national average.

Housing stands out as one of Lubbock’s strongest advantages for renters, offering lower costs compared to most U.S. cities. Utilities, transportation, and healthcare also remain well below national averages, helping residents enjoy a comfortable lifestyle without overspending on essentials.

Breaking down the cost of living in Lubbock, TX

To get a clearer picture of daily expenses, here’s a detailed breakdown of the cost of living in Lubbock, TX, by category:

Housing (Buy and Rent)

• Average Monthly Rent: $1,126
• Average Home Price: $480,059
• Mortgage Rate: 6.80%

Renters in Lubbock enjoy housing costs that are significantly below the national average, making it easier to find apartments that fit different budgets and lifestyles.

Utilities

Both renters and homeowners need to plan for basic services like energy and telecommunications. In Lubbock, monthly costs are generally manageable:

• Energy Bill: $161.89
• Phone Bill: $202.72

Compared to many Texas metros, utilities in Lubbock are more affordable, which adds to the city’s overall value for renters.

Food

Groceries are a major part of any household budget, and the cost of living in Lubbock, TX, keeps this category reasonable. Average prices for essential foods include:

• Milk (1 gallon): $4.64
• Eggs (dozen): $3.05
• Bread: $3.89
• Potatoes: $3.67
• Cheese: $4.61
• Ground Beef: $7.06

These prices reflect a stable food market that helps renters keep their grocery bills predictable.

Healthcare

Healthcare costs are lower here than in many U.S. cities, making it easier for renters and families to maintain regular medical care. Average costs include:

• Doctor’s Visit: $112.89
• Dentist: $108.27
• Optometrist: $137.19

The city’s lower healthcare expenses contribute to its overall affordability while maintaining access to quality medical services.

Transportation

Transportation expenses depend on commuting habits, but in general, Lubbock remains affordable in this category too:

• Gasoline (1 gallon): $2.95
• Tire Balancing: $56.36

Commuting is straightforward thanks to Lubbock’s layout and manageable traffic, helping renters save on daily travel costs.

Goods & Services

When it comes to everyday items and personal care, residents can enjoy affordable prices across the board:

Clothing

• Men’s Shirt: $40.42
• Women’s Slacks: $49.05
• Boy’s Jeans: $39.61

Personal & Entertainment Services

• Haircut: $24.55
• Beauty Salon: $52.92
• Dry Cleaning: $15.74
• Movie Ticket: $10.16

These moderate prices make it easier to enjoy life in Lubbock without overspending on small luxuries.

Is Lubbock, TX, a good choice for renters?

Lubbock gives renters the chance to enjoy affordability without sacrificing comfort. The average cost of living in Lubbock, TX, is lower than both the Texas and national averages, making it easier to budget for rent, groceries, and entertainment. With housing, utilities, and transportation all below typical costs, it’s a city that helps renters stretch their dollars further.

When you compare the cost of living in Lubbock, TX, to other U.S. cities, the value becomes clear. A strong local economy, friendly neighborhoods, and an easygoing pace of life make Lubbock an appealing option for anyone looking to rent in Texas. For those ready to find their next home, exploring apartments here is a smart first step toward affordable, comfortable living.