Median rent is 52% lower in Lubbock ($1,182/mo vs $2,476/mo). Buying is cheaper in Lubbock, where the median home runs $212,400 versus $1,394,500. Households earn more in San Francisco ($140,970 vs $60,895 a year). Taken together, Lubbock is the more affordable choice with a cost index of 91.0 against 117.6 — about 23% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in San Francisco, CA.
Cost of living verdict
Lubbock is 23% cheaper overall
Cost of Living Index: 91.0 in Lubbock vs 117.6 in San Francisco (US national average = 100)
City A
Lubbock, TX
City B
San Francisco, CA
How much would you need to earn in San Francisco, CA to maintain your standard of living from Lubbock, TX?
Equivalent salary in San Francisco, CA
$96,893
You'd need $21,893 more (29% higher).
Based on BEA Regional Price Parity (cost index) for each metro area. This estimates overall purchasing power; it does not account for taxes or take-home pay differences.
Metric
Lubbock
Texas
San Francisco
California
Population
Median Household Income
Annual
Median Gross Rent
Per month
Median Home Value
Cost of Living Index
US avg = 100
1BR Fair Market Rent
HUD FMR
2BR Fair Market Rent
HUD FMR
3BR Fair Market Rent
HUD FMR
Air Quality Index
Lower = cleaner
Top State Income Tax
Top marginal rate
State Sales Tax
Statewide base rate
Median Age
Years
✓ = better value · Sources: Census ACS, BEA, HUD Fair Market Rents, EPA AirNow, Tax Foundation
Renters will find significantly cheaper housing in Lubbock — median rent of $1,182/mo versus $2,476/mo in San Francisco, a 52% difference. Home buyers face a steeper market in San Francisco: the median home is $1,394,500 versus $212,400 in Lubbock — 85% more expensive.
1BR Fair Market Rent
2BR Fair Market Rent
BLS OEWS 2023 — metro-level data
State tax data is not yet available for these cities.
Lubbock
Income tax: N/A
Sales tax: N/A
San Francisco
Income tax: N/A
Sales tax: N/A
Air quality data is available for Lubbock (avg AQI 24.0) but not yet for San Francisco.
Pick Lubbock if you prioritize lower overall cost of living (index 91.0 vs 117.6).
Pick San Francisco if you prioritize higher median household income ($140,970/yr).
Pick Lubbock if you prioritize cheaper rent ($1,182/mo median).
Is Lubbock cheaper than San Francisco?
Lubbock is cheaper overall, with a cost of living index of 91.0 versus 117.6 (US average = 100). That means prices run about 23% lower in Lubbock.
How much is rent in Lubbock vs San Francisco?
Median rent is $1,182/mo in Lubbock, TX and $2,476/mo in San Francisco, CA. Lubbock, TX has the lower rent by about 52%.
Which has higher salaries — Lubbock or San Francisco?
Median household income is $60,895 in Lubbock, TX and $140,970 in San Francisco, CA. San Francisco, CA has the higher median income. Note that BLS occupational wages in the table above show wages for specific jobs.
Which city has better air quality?
Air quality data is not yet available for one or both cities.
Which has lower taxes — Lubbock or San Francisco?
State tax data is not yet available for one or both cities.
What salary do I need in San Francisco to match my Lubbock income?
To maintain the same purchasing power, a salary of $100,000 in Lubbock, TX is equivalent to roughly $129,191 in San Francisco, CA (using the BEA Regional Price Parity ratio). Use the salary calculator above for any income amount.
Data last updated: December 1, 2026 · Sources: US Census ACS, BEA RPP, BLS OEWS, HUD FMR, EPA AirNow, Tax Foundation · Methodology
