Side-by-side cost of living comparison for 2026
49% cheaper
Lubbock is 49% more affordable than Jersey City. A $75,000 salary in Jersey City is equivalent to $38,426 in Lubbock.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: New Jersey salaries · Texas salaries
Housing is typically the biggest factor in any cost-of-living comparison. Jersey City has a housing index of 249 while Lubbock sits at 59 (national average = 100). The median home in Jersey City costs $540,000 compared to $175,000 in Lubbock, a difference of $365,000. Monthly rent follows a similar pattern: $2,600 in Jersey City versus $950 in Lubbock.
Groceries and everyday expenses show a notable difference: Jersey City scores 105 while Lubbock scores 93.
Healthcare costs in Jersey City (106) are higher than Lubbock (90).
Median household income in Jersey City is $80,820 compared to $49,834 in Lubbock. When adjusted for cost of living, income goes further in Lubbock.
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