City comparison
Lubbock, TX vs Reading, PA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Reading, PA are 6.3% higher than in Lubbock, TX. Someone earning $100,000 in Lubbock, TX would need about $106,300 in Reading, PA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,237 a month in Reading, PA versus $990 in Lubbock, TX. On $100,000, that's 20% of take-home pay in Reading, PA and 15% in Lubbock, TX.
- On $100,000, estimated state income tax is about $3,070 a year higher in Reading, PA than in Lubbock, TX.
- For federal employees, locality pay changes a GS-13 step 1 salary by +10.2% moving from Lubbock, TX to Reading, PA ($106,437 → $117,284), while prices change by +6.3%. Net effect of the transfer: +3.7% in real buying power.
- Lubbock, TX: price level 91.3 (much cheaper)
- Reading, PA: price level 97.1 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Lubbock, TX | Reading, PA | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.3 | 97.1 |
| $100,000 is worth, in the other city2 | $106,289 in Reading | $94,083 in Lubbock |
| Typical 1-bedroom rent3 | $990/mo | $1,237/mo |
| Take-home on $100,00014,15,8 | $79,180 | $76,110 |
| State income tax on $100,000 (estimate)8 | $0 (TX) | $3,070 (PA) |
| Rent burden on $100,000 | 15% | 20% |
| Median pay, all jobs4 | $42,130 | $49,440 |
| Federal locality pay area7 | Rest of U.S. | Philadelphia-Reading-Camden, PA-NJ-DE-MD |
Rent areas: Lubbock, TX HUD Metro FMR Area and Reading, PA MSA. Metro areas: Lubbock, TX and Reading, PA.
What costs more or less
| Price level (U.S. = 100) | Lubbock | Reading |
|---|---|---|
| Housing (rent) | 76.4 | 85.4 |
| Goods | 93.8 | 100.7 |
| Utilities | 82.8 | 108.2 |
| Other services | 96.2 | 97.7 |
| Overall | 91.3 | 97.1 |
Moving with the same $100,000 salary
Lubbock, TX → Reading, PA
Same pay buys less
Buying power −5.9%; rent takes 20% of take-home; state tax +$3,070/yr.
50 Fair offer
Reading, PA → Lubbock, TX
Same pay goes further
Buying power +6.3%; rent takes 15% of take-home; state tax −$3,070/yr.
88 Strong offer
On the GS pay scale?
Lubbock, TX is in the Rest of U.S. pay area; Reading, PA is in Philadelphia-Reading-Camden, PA-NJ-DE-MD. The last column shows what a transfer from Lubbock, TX to Reading, PA at the same grade and step does to real buying power.
| Grade5,2 | Lubbock, TX | Reading, PA | Real change, Lubbock → Reading |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $68,013 | +3.7% |
| GS-11 step 1 | $74,678 | $82,289 | +3.7% |
| GS-12 step 1 | $89,508 | $98,630 | +3.7% |
| GS-13 step 1 | $106,437 | $117,284 | +3.7% |
| GS-14 step 1 | $125,776 | $138,595 | +3.7% |
Pay for common jobs
| Median annual pay4 | Lubbock, TX | Reading, PA | Reading pay in Lubbock dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $59,220 | $79,860 | $75,135 (+26.9%) |
| Software Developers | $115,190 | $120,920 | $113,765 (−1.2%) |
| Accountants and Auditors | $74,390 | $75,550 | $71,080 (−4.4%) |
| Registered Nurses | $81,480 | $98,470 | $92,644 (+13.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.