Side-by-side cost of living comparison for 2026
17% cheaper
Lubbock is 17% more affordable than Charlotte. A $75,000 salary in Charlotte is equivalent to $62,250 in Lubbock.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: North Carolina salaries · Texas salaries
Housing is typically the biggest factor in any cost-of-living comparison. Charlotte has a housing index of 99 while Lubbock sits at 59 (national average = 100). The median home in Charlotte costs $330,000 compared to $175,000 in Lubbock, a difference of $155,000. Monthly rent follows a similar pattern: $1,500 in Charlotte versus $950 in Lubbock.
Groceries and everyday expenses show a notable difference: Charlotte scores 101 while Lubbock scores 93.
Healthcare costs in Charlotte (105) are higher than Lubbock (90).
Median household income in Charlotte is $62,308 compared to $49,834 in Lubbock. When adjusted for cost of living, income goes further in Lubbock.
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