Cost of Living: Lubbock, TX vs McKinney, TX (2026)

Lubbock

Texas
75
VS

McKinney

Texas
138

Lubbock is 46% cheaper than McKinney.

$1,137/mo ↓ 38%
Median Rent
$1,841/mo ↑ 62%
$60,487/yr ↓ 50%
Median Income
$120,273/yr ↑ 99%
$197,900 ↓ 55%
Home Value
$439,500 ↑ 122%
$1,179/mo ↓ 44%
Owner Costs
$2,101/mo ↑ 78%
261,078
Population
202,314

Tax Comparison

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

Affordability

22.6%
rent-to-income
Affordability
18.4%
rent-to-income

Detailed Comparison

When comparing Lubbock, TX and McKinney, TX, the overall cost of living indices are 75 and 138 respectively (national median = 100). Rent is $704/month cheaper in Lubbock, saving renters about $8,448/year.

Median household income is $59,786/year higher in McKinney. Home values also differ significantly — the median in Lubbock is $197,900 compared to $439,500 in McKinney.

Both cities share the same state tax structure since they are in Texas.

Frequently Asked Questions

Lubbock vs McKinney — common questions

Is Lubbock or McKinney cheaper to live in?
Based on our cost index, Lubbock is cheaper to live in with an index of 75 compared to 138 (US average = 100).
What is the rent difference between Lubbock and McKinney?
Median rent in Lubbock is $1,137/month and in McKinney it's $1,841/month — a difference of $704/month.
Which city has higher income, Lubbock or McKinney?
Median household income is $60,487 in Lubbock and $120,273 in McKinney. Median household income is $59,786/year higher in McKinney.
How do taxes compare between Texas and Texas?
Both cities are in Texas and share the same state tax rates: 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Lubbock or McKinney?
It depends on your priorities. Lubbock has a cost index of 75 with median rent of $1,137/mo, while McKinney has a cost index of 138 with rent of $1,841/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Lubbock details → View McKinney details →

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