City comparison
Denver, CO vs Lubbock, TX
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Denver, CO are 15.8% higher than in Lubbock, TX. Someone earning $100,000 in Lubbock, TX would need about $115,800 in Denver, CO to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,754 a month in Denver, CO versus $990 in Lubbock, TX. On $100,000, that's 28% of take-home pay in Denver, CO and 15% in Lubbock, TX.
- On $100,000, estimated state income tax is about $3,692 a year higher in Denver, CO than in Lubbock, TX.
- For federal employees, locality pay changes a GS-13 step 1 salary by −10.3% moving from Denver, CO to Lubbock, TX ($118,675 → $106,437), while prices change by −13.7%. Net effect of the transfer: +3.9% in real buying power.
- Denver, CO: price level 105.8 (pricier)
- 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
| Denver, CO | Lubbock, TX | |
|---|---|---|
| Price level (U.S. = 100)2 | 105.8 | 91.3 |
| $100,000 is worth, in the other city2 | $86,326 in Lubbock | $115,840 in Denver |
| Typical 1-bedroom rent3 | $1,754/mo | $990/mo |
| Take-home on $100,00014,15,8 | $75,488 | $79,180 |
| State income tax on $100,000 (estimate)8 | $3,692 (CO) | $0 (TX) |
| Rent burden on $100,000 | 28% | 15% |
| Median pay, all jobs4 | $62,320 | $42,130 |
| Federal locality pay area7 | Denver-Aurora, CO | Rest of U.S. |
Rent areas: Denver-Aurora-Centennial, CO MSA and Lubbock, TX HUD Metro FMR Area. Metro areas: Denver-Aurora-Centennial, CO and Lubbock, TX.
What costs more or less
| Price level (U.S. = 100) | Denver | Lubbock |
|---|---|---|
| Housing (rent) | 146.9 | 76.4 |
| Goods | 101.0 | 93.8 |
| Utilities | 87.9 | 82.8 |
| Other services | 99.4 | 96.2 |
| Overall | 105.8 | 91.3 |
Moving with the same $100,000 salary
Denver, CO → Lubbock, TX
Same pay goes further
Buying power +15.8%; rent takes 15% of take-home; state tax −$3,692/yr.
100 Strong offer
Lubbock, TX → Denver, CO
Same pay buys less
Buying power −13.7%; rent takes 28% of take-home; state tax +$3,692/yr.
33 Weak offer
On the GS pay scale?
Denver, CO is in the Denver-Aurora, CO pay area; Lubbock, TX is in Rest of U.S.. The last column shows what a transfer from Denver, CO to Lubbock, TX at the same grade and step does to real buying power.
| Grade5,2 | Denver, CO | Lubbock, TX | Real change, Denver → Lubbock |
|---|---|---|---|
| GS-9 step 1 | $68,819 | $61,722 | +3.9% |
| GS-11 step 1 | $83,265 | $74,678 | +3.9% |
| GS-12 step 1 | $99,800 | $89,508 | +3.9% |
| GS-13 step 1 | $118,675 | $106,437 | +3.9% |
| GS-14 step 1 | $140,239 | $125,776 | +3.9% |
Pay for common jobs
| Median annual pay4 | Denver, CO | Lubbock, TX | Lubbock pay in Denver dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,910 | $59,220 | $68,601 (−10.8%) |
| Software Developers | $137,610 | $115,190 | $133,437 (−3.0%) |
| Accountants and Auditors | $100,020 | $74,390 | $86,174 (−13.8%) |
| Registered Nurses | $101,130 | $81,480 | $94,387 (−6.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.