Cost of Living: Lubbock, TX vs Hayward, CA (2026)

Lubbock

Texas
75
VS

Hayward

California
200

Lubbock is 62% cheaper than Hayward.

$1,137/mo ↓ 52%
Median Rent
$2,360/mo ↑ 108%
$60,487/yr ↓ 47%
Median Income
$113,775/yr ↑ 88%
$197,900 ↓ 76%
Home Value
$820,700 ↑ 315%
$1,179/mo ↓ 51%
Owner Costs
$2,420/mo ↑ 105%
261,078
Population
159,201

Tax Comparison

0%
Income Tax
13.3%
6.25%
State Sales Tax
7.25%
1.6%
Property Tax
0.71%

Affordability

22.6%
rent-to-income
Affordability
24.9%
rent-to-income

Detailed Comparison

When comparing Lubbock, TX and Hayward, CA, the overall cost of living indices are 75 and 200 respectively (national median = 100). Rent is $1,223/month cheaper in Lubbock, saving renters about $14,676/year.

Median household income is $53,288/year higher in Hayward. Home values also differ significantly — the median in Lubbock is $197,900 compared to $820,700 in Hayward.

Texas has no state income tax, giving Lubbock residents a significant tax advantage over California's 13.3% rate.

Frequently Asked Questions

Lubbock vs Hayward — common questions

Is Lubbock or Hayward cheaper to live in?
Based on our cost index, Lubbock is cheaper to live in with an index of 75 compared to 200 (US average = 100).
What is the rent difference between Lubbock and Hayward?
Median rent in Lubbock is $1,137/month and in Hayward it's $2,360/month — a difference of $1,223/month.
Which city has higher income, Lubbock or Hayward?
Median household income is $60,487 in Lubbock and $113,775 in Hayward. Median household income is $53,288/year higher in Hayward.
How do taxes compare between Texas and California?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to Lubbock or Hayward?
It depends on your priorities. Lubbock has a cost index of 75 with median rent of $1,137/mo, while Hayward has a cost index of 200 with rent of $2,360/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Lubbock details → View Hayward details →

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