Side-by-side cost of living comparison for 2026
10% cheaper
Lubbock is 10% more affordable than Indianapolis. A $75,000 salary in Indianapolis is equivalent to $67,663 in Lubbock.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Indiana salaries · Texas salaries
Housing is typically the biggest factor in any cost-of-living comparison. Indianapolis has a housing index of 80 while Lubbock sits at 59 (national average = 100). The median home in Indianapolis costs $220,000 compared to $175,000 in Lubbock, a difference of $45,000. Monthly rent follows a similar pattern: $1,100 in Indianapolis versus $950 in Lubbock.
Groceries and everyday expenses show a notable difference: Indianapolis scores 98 while Lubbock scores 93.
Healthcare costs in Indianapolis (96) are higher than Lubbock (90).
Median household income in Indianapolis is $49,968 compared to $49,834 in Lubbock. When adjusted for cost of living, income goes further in Lubbock.
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