Affordability vs median income
Modeled annual costs equal about 45.2% of median family income in Travis County, TX and 52.4% in Lubbock County, TX. This matters because a cheaper county can still feel tight if typical local incomes are also lower.
Travis County, TX vs Lubbock County, TX: Cost of Living Difference
Lubbock County, TX is cheaper than Travis County, TX for modeled annual cost of living. This comparison shows the yearly cost gap, salary needed to keep similar purchasing power, and the categories driving the difference.
Is it cheaper?
Lubbock County, TX is cheaper than Travis County, TX.
Cheaper place
Lubbock County, TXSave about $14,164 per year.Cost gap
Moving to Lubbock County, TX is estimated to save $14,164 per year.
AnnualSave about $14,164 per year.
MonthlySave about $1,180 per month.
Salary needed
$50,000 in Travis County, TX is about $37,635 in Lubbock County, TX.
Biggest drivers
Healthcare increases by $462 per year. Housing saves $8,877 per year.
Travis County, TX→Lubbock County, TX
Equivalent salary in Lubbock County, TX
$37,635
-24.73% lower
Current salary: $50,000
Household: 1 adult · 0 children
Median Income in Travis County, TX: $126,667
Median Income in Lubbock County, TX: $82,282
annual living index in Travis County, TX 45.23%
annual living index in Lubbock County, TX 52.41%
This estimate matches your purchasing power (equivalent salary) when moving from Travis County, TX to Lubbock County, TX.
* Living index is estimated as (estimated annual total cost / area median annual income) * 100. A living index above 100% means modeled costs exceed median income.
Cost of Living Breakdown by Category
Category-by-category comparison
Annual costs are shown for the selected household. The difference column shows how much more or less the category costs in Lubbock County, TX compared with Travis County, TX.
| Category | Travis County, TX | Lubbock County, TX | Annual difference | Monthly impact | Direction |
|---|---|---|---|---|---|
| Housing | $18,910 | $10,033 | -$8,877(-46.94%) | -$740 | Lower in Lubbock County, TX |
| Taxes | $9,681 | $6,588 | -$3,093(-31.95%) | -$258 | Lower in Lubbock County, TX |
| Other Costs | $7,146 | $4,362 | -$2,784(-38.96%) | -$232 | Lower in Lubbock County, TX |
| Healthcare | $5,609 | $6,071 | +$462(8.24%) | +$39 | Higher in Lubbock County, TX |
| Transport | $11,831 | $12,053 | +$222(1.88%) | +$19 | Higher in Lubbock County, TX |
| Food | $4,108 | $4,015 | -$93(-2.26%) | -$8 | Lower in Lubbock County, TX |
| Childcare | $0 | $0 | $0(0%) | $0 | About even |
Why this comparison matters
These notes use the actual annual cost differences between Travis County, TX and Lubbock County, TX, so the page highlights the budget tradeoffs behind the total.
Housing
Housing is $8,877 per year lower in Lubbock County, TX than in Travis County, TX. Housing usually behaves like a fixed monthly commitment, so this matters most for renters or buyers checking whether Lubbock County, TX changes their baseline budget.
Food
Food is $93 per year lower in Lubbock County, TX than in Travis County, TX. Food costs affect weekly cash flow, so even a smaller modeled gap in Lubbock County, TX can show up quickly for households that cook most meals at home.
Transportation
Transportation is $222 per year higher in Lubbock County, TX than in Travis County, TX. Transportation matters for commuters because driving distance, vehicle costs, and transit access can change how much of a salary is left after getting around Lubbock County, TX.
Healthcare
Healthcare is $462 per year higher in Lubbock County, TX than in Travis County, TX. Healthcare differences are useful for planning premiums and out-of-pocket exposure, especially if Lubbock County, TX changes provider networks or plan options.
Other necessities
Other necessities is $2,784 per year lower in Lubbock County, TX than in Travis County, TX. Other necessities cover everyday basics, so changes in Lubbock County, TX help explain the non-housing costs that can quietly add up month after month.
Childcare
Childcare is about the same in Travis County, TX and Lubbock County, TX, so this category is not a major driver of the modeled gap. Childcare is most important for households with children; in Lubbock County, TX, this line can swing the result even when housing or taxes look manageable.
Taxes
Taxes is $3,093 per year lower in Lubbock County, TX than in Travis County, TX. Taxes affect take-home pay, so the gap in Lubbock County, TX matters even if the headline salary looks similar before deductions.
Methodology and data vintage
WatchPennies uses county-level 2026 cost estimates from a 2025-2026 cost-data snapshot. The comparison includes housing, food, transportation, healthcare, childcare, other necessities, taxes, total cost, and median family income context when available.
Read the full methodologyFrequently asked questions
Which is cheaper, Travis County, TX or Lubbock County, TX?
Lubbock County, TX is cheaper than Travis County, TX by about $14,164 per year.
How much salary is needed in Lubbock County, TX?
A $50,000 salary in Travis County, TX is modeled as roughly equivalent to $37,635 in Lubbock County, TX for the selected household profile.
What costs are included in this Travis County, TX vs Lubbock County, TX comparison?
The comparison includes housing, food, transportation, healthcare, childcare, other necessities, taxes, total cost, and median family income context when available.
Is this comparison personalized financial advice?
No. WatchPennies comparisons are directional planning estimates based on county-level public datasets, not personalized financial, tax, housing, or relocation advice.
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