Cost of Living: Lubbock, TX vs Clearwater, FL (2026)

Lubbock

Texas
75
VS

Clearwater

Florida
105

Lubbock is 29% cheaper than Clearwater.

$1,137/mo ↓ 26%
Median Rent
$1,539/mo ↑ 35%
$60,487/yr ↓ 6%
Median Income
$64,440/yr ↑ 7%
$197,900 ↓ 39%
Home Value
$326,100 ↑ 65%
$1,179/mo ↓ 16%
Owner Costs
$1,411/mo ↑ 20%
261,078
Population
117,075

Tax Comparison

0%
Income Tax
0%
6.25%
State Sales Tax
6.0%
1.6%
Property Tax
0.86%

Affordability

22.6%
rent-to-income
Affordability
28.7%
rent-to-income

Detailed Comparison

When comparing Lubbock, TX and Clearwater, FL, the overall cost of living indices are 75 and 105 respectively (national median = 100). Rent is $402/month cheaper in Lubbock, saving renters about $4,824/year.

Median household income is $3,953/year higher in Clearwater. Home values also differ significantly — the median in Lubbock is $197,900 compared to $326,100 in Clearwater.

Frequently Asked Questions

Lubbock vs Clearwater — common questions

Is Lubbock or Clearwater cheaper to live in?
Based on our cost index, Lubbock is cheaper to live in with an index of 75 compared to 105 (US average = 100).
What is the rent difference between Lubbock and Clearwater?
Median rent in Lubbock is $1,137/month and in Clearwater it's $1,539/month — a difference of $402/month.
Which city has higher income, Lubbock or Clearwater?
Median household income is $60,487 in Lubbock and $64,440 in Clearwater. Median household income is $3,953/year higher in Clearwater.
How do taxes compare between Texas and Florida?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax.
Should I move to Lubbock or Clearwater?
It depends on your priorities. Lubbock has a cost index of 75 with median rent of $1,137/mo, while Clearwater has a cost index of 105 with rent of $1,539/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Lubbock details → View Clearwater details →

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