City comparison
Lubbock, TX vs Trenton, NJ
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Trenton, NJ are 13.0% higher than in Lubbock, TX. Someone earning $100,000 in Lubbock, TX would need about $113,000 in Trenton, NJ to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,545 a month in Trenton, NJ versus $990 in Lubbock, TX. On $100,000, that's 25% of take-home pay in Trenton, NJ and 15% in Lubbock, TX.
- On $100,000, estimated state income tax is about $4,180 a year higher in Trenton, NJ than in Lubbock, TX.
- For federal employees, locality pay changes a GS-13 step 1 salary by +17.8% moving from Lubbock, TX to Trenton, NJ ($106,437 → $125,431), while prices change by +13.0%. Net effect of the transfer: +4.3% in real buying power.
- Lubbock, TX: price level 91.3 (much cheaper)
- Trenton, NJ: price level 103.2 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Lubbock, TX | Trenton, NJ | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.3 | 103.2 |
| $100,000 is worth, in the other city2 | $112,991 in Trenton | $88,503 in Lubbock |
| Typical 1-bedroom rent3 | $990/mo | $1,545/mo |
| Take-home on $100,00014,15,8 | $79,180 | $75,000 |
| State income tax on $100,000 (estimate)8 | $0 (TX) | $4,180 (NJ) |
| Rent burden on $100,000 | 15% | 25% |
| Median pay, all jobs4 | $42,130 | $63,490 |
| Federal locality pay area7 | Rest of U.S. | New York-Newark, NY-NJ-CT-PA |
Rent areas: Lubbock, TX HUD Metro FMR Area and Trenton-Princeton, NJ MSA. Metro areas: Lubbock, TX and Trenton-Princeton, NJ.
What costs more or less
| Price level (U.S. = 100) | Lubbock | Trenton |
|---|---|---|
| Housing (rent) | 76.4 | 135.1 |
| Goods | 93.8 | 99.8 |
| Utilities | 82.8 | 112.3 |
| Other services | 96.2 | 97.9 |
| Overall | 91.3 | 103.2 |
Moving with the same $100,000 salary
Lubbock, TX → Trenton, NJ
Same pay buys less
Buying power −11.5%; rent takes 25% of take-home; state tax +$4,180/yr.
38 Weak offer
Trenton, NJ → Lubbock, TX
Same pay goes further
Buying power +13.0%; rent takes 15% of take-home; state tax −$4,180/yr.
100 Strong offer
On the GS pay scale?
Lubbock, TX is in the Rest of U.S. pay area; Trenton, NJ is in New York-Newark, NY-NJ-CT-PA. The last column shows what a transfer from Lubbock, TX to Trenton, NJ at the same grade and step does to real buying power.
| Grade5,2 | Lubbock, TX | Trenton, NJ | Real change, Lubbock → Trenton |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $72,737 | +4.3% |
| GS-11 step 1 | $74,678 | $88,005 | +4.3% |
| GS-12 step 1 | $89,508 | $105,481 | +4.3% |
| GS-13 step 1 | $106,437 | $125,431 | +4.3% |
| GS-14 step 1 | $125,776 | $148,222 | +4.3% |
Pay for common jobs
| Median annual pay4 | Lubbock, TX | Trenton, NJ | Trenton pay in Lubbock dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $59,220 | $77,850 | $68,899 (+16.3%) |
| Software Developers | $115,190 | $128,770 | $113,965 (−1.1%) |
| Accountants and Auditors | $74,390 | $99,550 | $88,104 (+18.4%) |
| Registered Nurses | $81,480 | $99,990 | $88,494 (+8.6%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.