Cost of Living: Lubbock, TX vs Paterson, NJ (2026)

Lubbock

Texas
75
VS

Paterson

New Jersey
106

Lubbock is 29% cheaper than Paterson.

$1,137/mo ↓ 22%
Median Rent
$1,457/mo ↑ 28%
$60,487/yr ↑ 13%
Median Income
$53,766/yr ↓ 11%
$197,900 ↓ 41%
Home Value
$335,400 ↑ 69%
$1,179/mo ↓ 24%
Owner Costs
$1,553/mo ↑ 32%
261,078
Population
157,660

Tax Comparison

0%
Income Tax
10.75%
6.25%
State Sales Tax
6.625%
1.6%
Property Tax
2.23%

Affordability

22.6%
rent-to-income
Affordability
32.5%
rent-to-income

Detailed Comparison

When comparing Lubbock, TX and Paterson, NJ, the overall cost of living indices are 75 and 106 respectively (national median = 100). Rent is $320/month cheaper in Lubbock, saving renters about $3,840/year.

Median household income is $6,721/year higher in Lubbock. Home values also differ significantly — the median in Lubbock is $197,900 compared to $335,400 in Paterson.

Texas has no state income tax, giving Lubbock residents a significant tax advantage over New Jersey's 10.75% rate.

Frequently Asked Questions

Lubbock vs Paterson — common questions

Is Lubbock or Paterson cheaper to live in?
Based on our cost index, Lubbock is cheaper to live in with an index of 75 compared to 106 (US average = 100).
What is the rent difference between Lubbock and Paterson?
Median rent in Lubbock is $1,137/month and in Paterson it's $1,457/month — a difference of $320/month.
Which city has higher income, Lubbock or Paterson?
Median household income is $60,487 in Lubbock and $53,766 in Paterson. Median household income is $6,721/year higher in Lubbock.
How do taxes compare between Texas and New Jersey?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. New Jersey has 10.75% income tax, 6.625% sales tax, and 2.23% property tax.
Should I move to Lubbock or Paterson?
It depends on your priorities. Lubbock has a cost index of 75 with median rent of $1,137/mo, while Paterson has a cost index of 106 with rent of $1,457/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Lubbock details → View Paterson details →

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