City comparison
Atlantic City, NJ vs Lubbock, TX
What a paycheck is really worth in each city: prices, rent, state taxes and federal GS pay.
Key findings
- Prices in Atlantic City, NJ are 8.3% higher than in Lubbock, TX. Someone earning $100,000 in Lubbock, TX would need about $108,300 in Atlantic City, NJ to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,537 a month in Atlantic City, NJ versus $990 in Lubbock, TX. On $100,000, that's 25% of take-home pay in Atlantic City, NJ and 15% in Lubbock, TX.
- On $100,000, estimated state income tax is about $4,180 a year higher in Atlantic City, NJ than in Lubbock, TX.
- For federal employees, locality pay changes a GS-13 step 1 salary by −9.2% moving from Atlantic City, NJ to Lubbock, TX ($117,284 → $106,437), while prices change by −7.6%. Net effect of the transfer: −1.8% in real buying power.
- Atlantic City, NJ: price level 98.9 (about average)
- Lubbock, TX: price level 91.3 (much cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Atlantic City, NJ | Lubbock, TX | |
|---|---|---|
| Price level (U.S. = 100)2 | 98.9 | 91.3 |
| $100,000 is worth, in the other city2 | $92,373 in Lubbock | $108,257 in Atlantic City |
| Typical 1-bedroom rent3 | $1,537/mo | $990/mo |
| Take-home on $100,00014,15,8 | $75,000 | $79,180 |
| State income tax on $100,000 (estimate)8 | $4,180 (NJ) | $0 (TX) |
| Rent burden on $100,000 | 25% | 15% |
| Median pay, all jobs4 | $47,520 | $42,130 |
| Federal locality pay area7 | Philadelphia-Reading-Camden, PA-NJ-DE-MD | Rest of U.S. |
Rent areas: Atlantic City-Hammonton, NJ HUD Metro FMR Area and Lubbock, TX HUD Metro FMR Area. Metro areas: Atlantic City-Hammonton, NJ and Lubbock, TX.
What costs more or less
| Price level (U.S. = 100) | Atlantic City | Lubbock |
|---|---|---|
| Housing (rent) | 98.7 | 76.4 |
| Goods | 99.8 | 93.8 |
| Utilities | 109.2 | 82.8 |
| Other services | 97.9 | 96.2 |
| Overall | 98.9 | 91.3 |
Moving with the same $100,000 salary
Atlantic City, NJ → Lubbock, TX
Same pay goes further
Buying power +8.3%; rent takes 15% of take-home; state tax −$4,180/yr.
95 Strong offer
Lubbock, TX → Atlantic City, NJ
Same pay buys less
Buying power −7.6%; rent takes 25% of take-home; state tax +$4,180/yr.
45 Weak offer
Federal employees: GS pay
Atlantic City, NJ is in the Philadelphia-Reading-Camden, PA-NJ-DE-MD pay area; Lubbock, TX is in Rest of U.S.. The last column shows what a transfer from Atlantic City, NJ to Lubbock, TX at the same grade and step does to real buying power.
| Grade5,2 | Atlantic City, NJ | Lubbock, TX | Real change, Atlantic City → Lubbock |
|---|---|---|---|
| GS-9 step 1 | $68,013 | $61,722 | −1.8% |
| GS-11 step 1 | $82,289 | $74,678 | −1.8% |
| GS-12 step 1 | $98,630 | $89,508 | −1.8% |
| GS-13 step 1 | $117,284 | $106,437 | −1.8% |
| GS-14 step 1 | $138,595 | $125,776 | −1.8% |
Pay for common jobs
| Median annual pay4 | Atlantic City, NJ | Lubbock, TX | Lubbock pay in Atlantic City dollars |
|---|---|---|---|
| Information Security Analysts | $101,010 | $98,480 | $106,611 (+5.5%) |
| Software Developers | $126,670 | $115,190 | $124,701 (−1.6%) |
| Accountants and Auditors | $83,040 | $74,390 | $80,532 (−3.0%) |
| Registered Nurses | $99,320 | $81,480 | $88,208 (−11.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.