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

Lubbock

Texas
75
VS

Ontario

California
152

Lubbock is 51% cheaper than Ontario.

$1,137/mo ↓ 41%
Median Rent
$1,916/mo ↑ 69%
$60,487/yr ↓ 27%
Median Income
$82,806/yr ↑ 37%
$197,900 ↓ 65%
Home Value
$568,000 ↑ 187%
$1,179/mo ↓ 40%
Owner Costs
$1,967/mo ↑ 67%
261,078
Population
178,347

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
27.8%
rent-to-income

Detailed Comparison

When comparing Lubbock, TX and Ontario, CA, the overall cost of living indices are 75 and 152 respectively (national median = 100). Rent is $779/month cheaper in Lubbock, saving renters about $9,348/year.

Median household income is $22,319/year higher in Ontario. Home values also differ significantly — the median in Lubbock is $197,900 compared to $568,000 in Ontario.

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

Frequently Asked Questions

Lubbock vs Ontario — common questions

Is Lubbock or Ontario cheaper to live in?
Based on our cost index, Lubbock is cheaper to live in with an index of 75 compared to 152 (US average = 100).
What is the rent difference between Lubbock and Ontario?
Median rent in Lubbock is $1,137/month and in Ontario it's $1,916/month — a difference of $779/month.
Which city has higher income, Lubbock or Ontario?
Median household income is $60,487 in Lubbock and $82,806 in Ontario. Median household income is $22,319/year higher in Ontario.
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 Ontario?
It depends on your priorities. Lubbock has a cost index of 75 with median rent of $1,137/mo, while Ontario has a cost index of 152 with rent of $1,916/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Lubbock details → View Ontario details →

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