Cost of Living: Lubbock, TX vs Chattanooga, TN (2026)

Lubbock

Texas
75
VS

Chattanooga

Tennessee
81

Lubbock is 7% cheaper than Chattanooga.

$1,137/mo ↓ 2%
Median Rent
$1,155/mo ↑ 2%
$60,487/yr ≈ Same
Median Income
$61,028/yr ≈ Same
$197,900 ↓ 24%
Home Value
$259,200 ↑ 31%
$1,179/mo ↑ 6%
Owner Costs
$1,112/mo ↓ 6%
261,078
Population
182,832

Tax Comparison

0%
Income Tax
0%
6.25%
State Sales Tax
7.0%
1.6%
Property Tax
0.64%

Affordability

22.6%
rent-to-income
Affordability
22.7%
rent-to-income

Detailed Comparison

When comparing Lubbock, TX and Chattanooga, TN, the overall cost of living indices are 75 and 81 respectively (national median = 100). Rent is comparable in both cities, with less than $50/month separating them.

Median household income is $541/year higher in Chattanooga. Home values also differ significantly — the median in Lubbock is $197,900 compared to $259,200 in Chattanooga.

Frequently Asked Questions

Lubbock vs Chattanooga — common questions

Is Lubbock or Chattanooga cheaper to live in?
Based on our cost index, Lubbock is cheaper to live in with an index of 75 compared to 81 (US average = 100).
What is the rent difference between Lubbock and Chattanooga?
Median rent in Lubbock is $1,137/month and in Chattanooga it's $1,155/month — a difference of $18/month.
Which city has higher income, Lubbock or Chattanooga?
Median household income is $60,487 in Lubbock and $61,028 in Chattanooga. Median household income is $541/year higher in Chattanooga.
How do taxes compare between Texas and Tennessee?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Tennessee has 0% income tax, 7.0% sales tax, and 0.64% property tax.
Should I move to Lubbock or Chattanooga?
It depends on your priorities. Lubbock has a cost index of 75 with median rent of $1,137/mo, while Chattanooga has a cost index of 81 with rent of $1,155/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Lubbock details → View Chattanooga details →

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