Cost of Living: Lubbock, TX vs Montgomery, AL (2026)

Lubbock

Texas
75
VS

Montgomery

Alabama
64

Lubbock is 17% more expensive than Montgomery.

$1,137/mo ↑ 7%
Median Rent
$1,059/mo ↓ 7%
$60,487/yr ↑ 9%
Median Income
$55,687/yr ↓ 8%
$197,900 ↑ 33%
Home Value
$148,500 ↓ 25%
$1,179/mo ↑ 15%
Owner Costs
$1,023/mo ↓ 13%
261,078
Population
198,440

Tax Comparison

0%
Income Tax
5.0%
6.25%
State Sales Tax
4.0%
1.6%
Property Tax
0.41%

Affordability

22.6%
rent-to-income
Affordability
22.8%
rent-to-income

Detailed Comparison

When comparing Lubbock, TX and Montgomery, AL, the overall cost of living indices are 75 and 64 respectively (national median = 100). Rent is $78/month cheaper in Montgomery, saving renters about $936/year.

Median household income is $4,800/year higher in Lubbock. Home values also differ significantly — the median in Lubbock is $197,900 compared to $148,500 in Montgomery.

Texas has no state income tax, giving Lubbock residents a significant tax advantage over Alabama's 5.0% rate.

Frequently Asked Questions

Lubbock vs Montgomery — common questions

Is Lubbock or Montgomery cheaper to live in?
Based on our cost index, Montgomery is cheaper to live in with an index of 64 compared to 75 (US average = 100).
What is the rent difference between Lubbock and Montgomery?
Median rent in Lubbock is $1,137/month and in Montgomery it's $1,059/month — a difference of $78/month.
Which city has higher income, Lubbock or Montgomery?
Median household income is $60,487 in Lubbock and $55,687 in Montgomery. Median household income is $4,800/year higher in Lubbock.
How do taxes compare between Texas and Alabama?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Alabama has 5.0% income tax, 4.0% sales tax, and 0.41% property tax.
Should I move to Lubbock or Montgomery?
It depends on your priorities. Lubbock has a cost index of 75 with median rent of $1,137/mo, while Montgomery has a cost index of 64 with rent of $1,059/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Lubbock details → View Montgomery details →

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