Cost of Living: Indianapolis, IN vs Lubbock, TX (2026)

Indianapolis

Indiana
74
VS

Lubbock

Texas
75

Indianapolis and Lubbock have a similar cost of living.

$1,112/mo ↓ 2%
Median Rent
$1,137/mo ↑ 2%
$62,995/yr ↑ 4%
Median Income
$60,487/yr ↓ 4%
$207,000 ↑ 5%
Home Value
$197,900 ↓ 4%
$1,124/mo ↓ 5%
Owner Costs
$1,179/mo ↑ 5%
882,043
Population
261,078

Tax Comparison

3.05%
Income Tax
0%
7.0%
State Sales Tax
6.25%
0.83%
Property Tax
1.6%

Affordability

21.2%
rent-to-income
Affordability
22.6%
rent-to-income

Detailed Comparison

When comparing Indianapolis, IN and Lubbock, TX, the overall cost of living indices are 74 and 75 respectively (national median = 100). Rent is comparable in both cities, with less than $50/month separating them.

Median household income is $2,508/year higher in Indianapolis. Home values also differ significantly — the median in Indianapolis is $207,000 compared to $197,900 in Lubbock.

Texas has no state income tax, giving Lubbock residents a significant tax advantage over Indiana's 3.05% rate.

Frequently Asked Questions

Indianapolis vs Lubbock — common questions

Is Indianapolis or Lubbock cheaper to live in?
Based on our cost index, Indianapolis is cheaper to live in with an index of 74 compared to 75 (US average = 100).
What is the rent difference between Indianapolis and Lubbock?
Median rent in Indianapolis is $1,112/month and in Lubbock it's $1,137/month — a difference of $25/month.
Which city has higher income, Indianapolis or Lubbock?
Median household income is $62,995 in Indianapolis and $60,487 in Lubbock. Median household income is $2,508/year higher in Indianapolis.
How do taxes compare between Indiana and Texas?
Indiana has 3.05% income tax, 7.0% sales tax, and 0.83% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Indianapolis or Lubbock?
It depends on your priorities. Indianapolis has a cost index of 74 with median rent of $1,112/mo, while Lubbock has a cost index of 75 with rent of $1,137/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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