San Bernardino vs Lubbock: Cost of Living Comparison
How does the cost of living in San Bernardino, California compare to Lubbock, Texas? Below is a side-by-side breakdown of housing costs, income, wages, and taxes using official government data.
Summary: Lubbock is the more affordable city overall. Housing costs are 91% higher in San Bernardino compared to Lubbock, while rent is 21% higher. TX has no state income tax.
| Metric | San Bernardino, CA | Lubbock, TX | Diff |
|---|---|---|---|
| Housing | |||
| Median Home Value | $347,100 | $181,600 | +91.1% |
| Median Monthly Rent | $1,319 | $1,093 | +20.7% |
| Income | |||
| Median Household Income | $61,323 | $58,734 | +4.4% |
| Per Capita Income | $22,865 | $33,259 | -31.3% |
| Taxes | |||
| State Income Tax Rate | 13.3% | None | same |
| Combined Sales Tax | 8.7% | 8.2% | +5.9% |
| Demographics | |||
| Population | 221,041 | 258,190 | -14.4% |
Source: U.S. Census Bureau ACS 5-Year Estimates (2022), Freddie Mac Primary Mortgage Market Survey. State/local tax rates from Tax Foundation (2024).
Rent vs. Buy Calculator — San Bernardino
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Rent vs. Buy Calculator — Lubbock
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Key Takeaways
- Housing: The median home in San Bernardino costs $347,100 compared to $181,600 in Lubbock — a 91% premium.
- Rent: Median rent is $1,319/mo in San Bernardino vs $1,093/mo in Lubbock.
- Income: Median household income is $61,323 in San Bernardino and $58,734 in Lubbock.
- Taxes: Texas has no state income tax, while California has a 13.3% rate.
Methodology
This comparison uses data from the U.S. Census Bureau American Community Survey 5-Year Estimates (2022) for median household income, median home value, median gross rent, per capita income, and population. State and local tax rates are sourced from the Tax Foundation. Mortgage rates are from the Freddie Mac Primary Mortgage Market Survey (updated weekly).