City comparison

Lubbock, TX vs Tulsa, OK

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Lubbock, TX are 2.4% higher than in Tulsa, OK. Someone earning $100,000 in Tulsa, OK would need about $102,400 in Lubbock, TX to live the same way.
  • Typical 1-bedroom rents are close: $990 a month in Lubbock, TX and $987 in Tulsa, OK.
  • On $100,000, estimated state income tax is about $3,955 a year higher in Tulsa, OK than in Lubbock, 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 Lubbock, TX to Tulsa, OK changes real buying power by +2.4%, purely from prices.
LubbockTulsa
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Lubbock, TX: price level 91.3 (much cheaper)
  • Tulsa, OK: price level 89.2 (much cheaper)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Lubbock, TXTulsa, OK
Price level (U.S. = 100)291.389.2
$100,000 is worth, in the other city2$97,697 in Tulsa$102,357 in Lubbock
Typical 1-bedroom rent3$990/mo$987/mo
Take-home on $100,00014,15,8$79,180$75,226
State income tax on $100,000 (estimate)8$0 (TX)$3,955 (OK)
Rent burden on $100,00015%16%
Median pay, all jobs4$42,130$46,670
Federal locality pay area7Rest of U.S.Rest of U.S.

Rent areas: Lubbock, TX HUD Metro FMR Area and Tulsa, OK HUD Metro FMR Area. Metro areas: Lubbock, TX and Tulsa, OK.

What costs more or less

Lubbock, TXTulsa, OK
Price level (U.S. = 100)LubbockTulsa
Housing (rent)76.468.2
Goods93.893.8
Utilities82.873.9
Other services96.295.5
Overall91.389.2
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Lubbock, TX → Tulsa, OK

Same pay goes further

Buying power +2.4%; rent takes 16% of take-home; state tax +$3,955/yr.

76 Strong offer

Tulsa, OK → Lubbock, TX

Same pay buys less

Buying power −2.3%; rent takes 15% of take-home; state tax −$3,955/yr.

62 Fair offer

On the GS pay scale?

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 Lubbock, TX to Tulsa, OK at the same grade and step does to real buying power.

Grade5,2Lubbock, TXTulsa, OKReal change, Lubbock → Tulsa
GS-9 step 1$61,722$61,722+2.4%
GS-11 step 1$74,678$74,678+2.4%
GS-12 step 1$89,508$89,508+2.4%
GS-13 step 1$106,437$106,437+2.4%
GS-14 step 1$125,776$125,776+2.4%

Pay for common jobs

Median annual pay4Lubbock, TXTulsa, OKTulsa pay in Lubbock dollars
Elementary School Teachers, Except Special Education$59,220$48,220$49,357 (−16.7%)
Software Developers$115,190$108,730$111,293 (−3.4%)
Accountants and Auditors$74,390$81,320$83,237 (+11.9%)
Registered Nurses$81,480$84,790$86,789 (+6.5%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.