Tulsa vs Lubbock
Side-by-side cost of living comparison for 2026
Tulsa
Lubbock
💡 The Verdict
Tulsa and Lubbock have very similar costs of living, with less than a 3% difference overall.
Category-by-Category Breakdown
Index values shown. National average = 100. Lower is cheaper.
💰 Salary Equivalence
To maintain the same standard of living:
See exact take-home pay: Oklahoma salaries · Texas salaries
Living in Tulsa vs Lubbock
Housing is typically the biggest factor in any cost-of-living comparison. Tulsa has a housing index of 63 while Lubbock sits at 59 (national average = 100). The median home in Tulsa costs $175,000 compared to $175,000 in Lubbock, a difference of $0. Monthly rent follows a similar pattern: $950 in Tulsa versus $950 in Lubbock.
Groceries and everyday expenses show a narrower gap: Tulsa scores 95 while Lubbock scores 93.
Healthcare costs in Tulsa (91) are higher than Lubbock (90).
Median household income in Tulsa is $48,278 compared to $49,834 in Lubbock. When adjusted for cost of living, purchasing power is similar in both cities.
Relocating: Tulsa vs Lubbock
If you are considering a move between Tulsa (index: 85) and Lubbock (index: 83), the 2% cost difference has real implications for your budget. Lubbock is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.
Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Tulsa can afford $1,126/month, while the median household in Lubbock can afford $1,163/month. With median homes at $175,000 in Tulsa versus $175,000 in Lubbock, both cities offer reasonable homeownership opportunities at median income.
Renting vs buying: At $950/month in Tulsa and $950/month in Lubbock, renters face similar costs in both cities. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.
Income adjustment: A $75,000 salary goes further in Lubbock where costs are 17% below the national average. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.
Reading These Numbers: Tulsa (85) vs Lubbock (83)
The cost of living index uses 100 as the national average. Tulsa at 85 is 15% below the US average, while Lubbock at 83 is 17% below average. Both cities are relatively affordable compared to the national average.
The overall index is a weighted average of housing (the largest component), groceries, utilities, transportation, and healthcare. Housing typically drives the biggest differences between cities. Even when two cities have similar overall indices, their category-level costs can vary significantly — one city might have expensive housing but cheap groceries, while another is the reverse. Check the category breakdown above for the full picture.
For renters: With median rents of $950/month in Tulsa and $950/month in Lubbock, the annual rent difference is approximately $0. Over a 5-year period, that compounds to $0 in savings by choosing the more affordable city.
For homebuyers: The $0 difference in median home prices between Tulsa and Lubbock translates to roughly $0 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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