City comparison
Chattanooga, TN vs Lubbock, TX
What a paycheck is really worth in each city: prices, rent, state taxes and federal GS pay.
Key findings
- Overall prices in Chattanooga, TN (91.5) and Lubbock, TX (91.3, U.S. average = 100) are within 1% of each other, so $100,000 in Chattanooga, TN goes as far as $99,800 in Lubbock, TX.
- Rent is the bigger story: a typical 1-bedroom costs $1,263 a month in Chattanooga, TN versus $990 in Lubbock, TX. On $100,000, that's 19% of take-home pay in Chattanooga, TN and 15% in Lubbock, TX.
- Estimated state income tax on $100,000 is close: $0 a year in TN and $0 in TX.
- Both cities are in the same federal pay area (Rest of U.S.), so a GS-13 step 1 earns $106,437 in either. A transfer from Chattanooga, TN to Lubbock, TX changes real buying power by +0.2%, purely from prices.
- Chattanooga, TN: price level 91.5 (much cheaper)
- 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
| Chattanooga, TN | Lubbock, TX | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.5 | 91.3 |
| $100,000 is worth, in the other city2 | $99,839 in Lubbock | $100,161 in Chattanooga |
| Typical 1-bedroom rent3 | $1,263/mo | $990/mo |
| Take-home on $100,00014,15,8 | $79,180 | $79,180 |
| State income tax on $100,000 (estimate)8 | $0 (TN) | $0 (TX) |
| Rent burden on $100,000 | 19% | 15% |
| Median pay, all jobs4 | $46,700 | $42,130 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: Chattanooga, TN-GA MSA and Lubbock, TX HUD Metro FMR Area. Metro areas: Chattanooga, TN-GA and Lubbock, TX.
What costs more or less
| Price level (U.S. = 100) | Chattanooga | Lubbock |
|---|---|---|
| Housing (rent) | 76.5 | 76.4 |
| Goods | 96.0 | 93.8 |
| Utilities | 74.2 | 82.8 |
| Other services | 95.3 | 96.2 |
| Overall | 91.5 | 91.3 |
Moving with the same $100,000 salary
Chattanooga, TN → Lubbock, TX
Roughly even
Buying power +0.2%; rent takes 15% of take-home; state tax +$0/yr.
69 Fair offer
Lubbock, TX → Chattanooga, TN
Roughly even
Buying power −0.2%; rent takes 19% of take-home; state tax +$0/yr.
68 Fair offer
Federal employees: GS pay
Both metros are in the Rest of U.S. locality pay area, so GS salaries are identical. The last column shows what a transfer from Chattanooga, TN to Lubbock, TX at the same grade and step does to real buying power.
| Grade5,2 | Chattanooga, TN | Lubbock, TX | Real change, Chattanooga → Lubbock |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | +0.2% |
| GS-11 step 1 | $74,678 | $74,678 | +0.2% |
| GS-12 step 1 | $89,508 | $89,508 | +0.2% |
| GS-13 step 1 | $106,437 | $106,437 | +0.2% |
| GS-14 step 1 | $125,776 | $125,776 | +0.2% |
Pay for common jobs
| Median annual pay4 | Chattanooga, TN | Lubbock, TX | Lubbock pay in Chattanooga dollars |
|---|---|---|---|
| Information Security Analysts | $115,160 | $98,480 | $98,639 (−14.3%) |
| Software Developers | $106,750 | $115,190 | $115,375 (+8.1%) |
| Accountants and Auditors | $76,680 | $74,390 | $74,510 (−2.8%) |
| Registered Nurses | $79,770 | $81,480 | $81,611 (+2.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.