Median rent is 8% lower in Lubbock ($1,182/mo vs $1,281/mo). Buying is cheaper in Lubbock, where the median home runs $212,400 versus $294,500. Households earn more in St. Paul ($73,394 vs $60,895 a year). Taken together, Lubbock is the more affordable choice with a cost index of 91.0 against 104.3 — about 13% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in St. Paul, MN.
Cost of living verdict
Lubbock is 13% cheaper overall
Cost of Living Index: 91.0 in Lubbock vs 104.3 in St. Paul (US national average = 100)
City A
Lubbock, TX
City B
St. Paul, MN
How much would you need to earn in St. Paul, MN to maintain your standard of living from Lubbock, TX?
Equivalent salary in St. Paul, MN
$85,973
You'd need $10,973 more (15% 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
St. Paul
Minnesota
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
Median rent is modestly lower in Lubbock at $1,182/mo compared to $1,281/mo in St. Paul (8% gap). Home buyers face a steeper market in St. Paul: the median home is $294,500 versus $212,400 in Lubbock — 28% 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
St. Paul
Income tax: N/A
Sales tax: N/A
Lubbock has cleaner air on average: 24.0 AQI (Good) compared to 55.0 AQI (Moderate) in the other city. Lower AQI means cleaner, healthier air.
Pick Lubbock if you prioritize lower overall cost of living (index 91.0 vs 104.3).
Pick St. Paul if you prioritize higher median household income ($73,394/yr).
Pick Lubbock if you prioritize cleaner air quality (avg AQI 24.0).
Is Lubbock cheaper than St. Paul?
Lubbock is cheaper overall, with a cost of living index of 91.0 versus 104.3 (US average = 100). That means prices run about 13% lower in Lubbock.
How much is rent in Lubbock vs St. Paul?
Median rent is $1,182/mo in Lubbock, TX and $1,281/mo in St. Paul, MN. Lubbock, TX has the lower rent by about 8%.
Which has higher salaries — Lubbock or St. Paul?
Median household income is $60,895 in Lubbock, TX and $73,394 in St. Paul, MN. St. Paul, MN 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?
Lubbock, TX has better air quality on average: 24.0 AQI versus 55.0 AQI. Both are EPA AirNow annual averages; lower is better.
Which has lower taxes — Lubbock or St. Paul?
State tax data is not yet available for one or both cities.
What salary do I need in St. Paul to match my Lubbock income?
To maintain the same purchasing power, a salary of $100,000 in Lubbock, TX is equivalent to roughly $114,630 in St. Paul, MN (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
