Cost of Living: Lubbock, TX vs Fort Collins, CO (2026)

Lubbock

Texas
75
VS

Fort Collins

Colorado
137

Lubbock is 45% cheaper than Fort Collins.

$1,137/mo ↓ 32%
Median Rent
$1,661/mo ↑ 46%
$60,487/yr ↓ 28%
Median Income
$83,598/yr ↑ 38%
$197,900 ↓ 64%
Home Value
$548,400 ↑ 177%
$1,179/mo ↓ 30%
Owner Costs
$1,692/mo ↑ 44%
261,078
Population
169,705

Tax Comparison

0%
Income Tax
4.4%
6.25%
State Sales Tax
2.9%
1.6%
Property Tax
0.51%

Affordability

22.6%
rent-to-income
Affordability
23.8%
rent-to-income

Detailed Comparison

When comparing Lubbock, TX and Fort Collins, CO, the overall cost of living indices are 75 and 137 respectively (national median = 100). Rent is $524/month cheaper in Lubbock, saving renters about $6,288/year.

Median household income is $23,111/year higher in Fort Collins. Home values also differ significantly — the median in Lubbock is $197,900 compared to $548,400 in Fort Collins.

Texas has no state income tax, giving Lubbock residents a significant tax advantage over Colorado's 4.4% rate.

Frequently Asked Questions

Lubbock vs Fort Collins — common questions

Is Lubbock or Fort Collins cheaper to live in?
Based on our cost index, Lubbock is cheaper to live in with an index of 75 compared to 137 (US average = 100).
What is the rent difference between Lubbock and Fort Collins?
Median rent in Lubbock is $1,137/month and in Fort Collins it's $1,661/month — a difference of $524/month.
Which city has higher income, Lubbock or Fort Collins?
Median household income is $60,487 in Lubbock and $83,598 in Fort Collins. Median household income is $23,111/year higher in Fort Collins.
How do taxes compare between Texas and Colorado?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Colorado has 4.4% income tax, 2.9% sales tax, and 0.51% property tax.
Should I move to Lubbock or Fort Collins?
It depends on your priorities. Lubbock has a cost index of 75 with median rent of $1,137/mo, while Fort Collins has a cost index of 137 with rent of $1,661/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Lubbock details → View Fort Collins details →

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