Side-by-side cost of living comparison for 2026
15% cheaper
Lubbock is 15% more affordable than Billings. A $75,000 salary in Billings is equivalent to $63,520 in Lubbock.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Montana salaries · Texas salaries
Housing is typically the biggest factor in any cost-of-living comparison. Billings has a housing index of 93 while Lubbock sits at 59 (national average = 100). The median home in Billings costs $310,000 compared to $175,000 in Lubbock, a difference of $135,000. Monthly rent follows a similar pattern: $1,200 in Billings versus $950 in Lubbock.
Groceries and everyday expenses show a notable difference: Billings scores 99 while Lubbock scores 93.
Healthcare costs in Billings (102) are higher than Lubbock (90).
Median household income in Billings is $55,438 compared to $49,834 in Lubbock. When adjusted for cost of living, income goes further in Lubbock.
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