Cost of Living: Lubbock, TX vs Naperville, IL (2026)

Lubbock

Texas
75
VS

Naperville

Illinois
147

Lubbock is 49% cheaper than Naperville.

$1,137/mo ↓ 39%
Median Rent
$1,852/mo ↑ 63%
$60,487/yr ↓ 60%
Median Income
$150,937/yr ↑ 150%
$197,900 ↓ 61%
Home Value
$509,900 ↑ 158%
$1,179/mo ↓ 45%
Owner Costs
$2,161/mo ↑ 83%
261,078
Population
149,424

Tax Comparison

0%
Income Tax
4.95%
6.25%
State Sales Tax
6.25%
1.6%
Property Tax
2.07%

Affordability

22.6%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Lubbock, TX and Naperville, IL, the overall cost of living indices are 75 and 147 respectively (national median = 100). Rent is $715/month cheaper in Lubbock, saving renters about $8,580/year.

Median household income is $90,450/year higher in Naperville. Home values also differ significantly — the median in Lubbock is $197,900 compared to $509,900 in Naperville.

Texas has no state income tax, giving Lubbock residents a significant tax advantage over Illinois's 4.95% rate.

Frequently Asked Questions

Lubbock vs Naperville — common questions

Is Lubbock or Naperville cheaper to live in?
Based on our cost index, Lubbock is cheaper to live in with an index of 75 compared to 147 (US average = 100).
What is the rent difference between Lubbock and Naperville?
Median rent in Lubbock is $1,137/month and in Naperville it's $1,852/month — a difference of $715/month.
Which city has higher income, Lubbock or Naperville?
Median household income is $60,487 in Lubbock and $150,937 in Naperville. Median household income is $90,450/year higher in Naperville.
How do taxes compare between Texas and Illinois?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Lubbock or Naperville?
It depends on your priorities. Lubbock has a cost index of 75 with median rent of $1,137/mo, while Naperville has a cost index of 147 with rent of $1,852/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Lubbock details → View Naperville details →

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