Lubbock vs Roswell
Cost of Living Comparison · 2026
Lubbock
Roswell
The Verdict
Living in Lubbock costs 26.5% less than Roswell. To match the purchasing power of a $75,000 salary in Lubbock, you would need $102,108 in Roswell.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Lubbock has the same purchasing power as $102,108 in Roswell.
Conversely, $75,000 in Roswell equals $55,088 in Lubbock.
Living in Lubbock vs Roswell
Housing Costs
Lubbock's housing index of 59 is lower Roswell's 187, translating to median home prices of $175,000 vs $647,000. The $472,000 difference in home prices means roughly $30,684 per year in additional mortgage costs at current rates. Renters face a similar gap: $950/mo in Lubbock compared to $1,700/mo in Roswell, a monthly difference of $750.
Grocery & Food Costs
Grocery expenses index at 93 in Lubbock and 101 in Roswell. A household spending the national average of $475/month on groceries would pay approximately $442/month in Lubbock vs $480/month in Roswell. Lubbock offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 96 in Lubbock and 98 in Roswell. Monthly utility bills average approximately $384 in Lubbock vs $392 in Roswell. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 90 in Lubbock and 103 in Roswell. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 13-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $49,834 in Lubbock and $108,800 in Roswell. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $60,041 and $96,283 respectively. Roswell residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,163/month to housing in Lubbock vs $2,539/month in Roswell. In Lubbock, median rent of $950/mo fits within this budget. In Roswell, median rent of $1,700/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 128 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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