Cost of Living: Jersey City, NJ vs Lubbock, TX (2026)

Jersey City

New Jersey
148
VS

Lubbock

Texas
75

Jersey City is 97% more expensive than Lubbock.

$1,902/mo ↑ 67%
Median Rent
$1,137/mo ↓ 40%
$94,813/yr ↑ 57%
Median Income
$60,487/yr ↓ 36%
$534,500 ↑ 170%
Home Value
$197,900 ↓ 63%
$2,006/mo ↑ 70%
Owner Costs
$1,179/mo ↓ 41%
289,691
Population
261,078

Tax Comparison

10.75%
Income Tax
0%
6.625%
State Sales Tax
6.25%
2.23%
Property Tax
1.6%

Affordability

24.1%
rent-to-income
Affordability
22.6%
rent-to-income

Detailed Comparison

When comparing Jersey City, NJ and Lubbock, TX, the overall cost of living indices are 148 and 75 respectively (national median = 100). Rent is $765/month cheaper in Lubbock, saving renters about $9,180/year.

Median household income is $34,326/year higher in Jersey City. Home values also differ significantly — the median in Jersey City is $534,500 compared to $197,900 in Lubbock.

Texas has no state income tax, giving Lubbock residents a significant tax advantage over New Jersey's 10.75% rate.

Frequently Asked Questions

Jersey City vs Lubbock — common questions

Is Jersey City or Lubbock cheaper to live in?
Based on our cost index, Lubbock is cheaper to live in with an index of 75 compared to 148 (US average = 100).
What is the rent difference between Jersey City and Lubbock?
Median rent in Jersey City is $1,902/month and in Lubbock it's $1,137/month — a difference of $765/month.
Which city has higher income, Jersey City or Lubbock?
Median household income is $94,813 in Jersey City and $60,487 in Lubbock. Median household income is $34,326/year higher in Jersey City.
How do taxes compare between New Jersey and Texas?
New Jersey has 10.75% income tax, 6.625% sales tax, and 2.23% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Jersey City or Lubbock?
It depends on your priorities. Jersey City has a cost index of 148 with median rent of $1,902/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.
View Jersey City details → View Lubbock details →

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