Billings vs Lubbock for Families (2026)
A family-focused comparison of housing, income, taxes, and overall affordability in Billings, MT vs Lubbock, TX.
- 2BR rent: $1,300/mo in Lubbock vs $1,600/mo — 19% difference
- More affordable homeownership in Lubbock: $210K median vs $320K
- Higher median household income in Billings: $60K/yr vs $48K
- Lubbock has no state income tax — more take-home for family expenses
Family cost comparison
| Metric | Billings Montana | Lubbock Texas |
|---|---|---|
| 2BR rent/month | $1,600 | $1,300Better |
| Median home price | $320K | $210KBetter |
| Median household income | $60KBetter | $48K |
| Est. childcare/month | $1,157 | $1,053Better |
| State income tax | 6.8% | NoneBetter |
| Sales tax (combined) | 0%Better | 8.3% |
Frequently asked questions
Which city is better for raising a family — Billings or Lubbock?
Based on housing costs, income, and taxes, Lubbock scores slightly better for families overall. Lubbock has lower 2-bedroom rents, Lubbock is more affordable for homebuyers, though both cities have strong family communities.
What is the average 2-bedroom rent in Billings vs Lubbock?
As of Q1 2026, median 2BR rent is $1,600/month in Billings and $1,300/month in Lubbock. Lubbock is 19% cheaper for a 2-bedroom apartment.
Can a family afford to buy a home in Billings or Lubbock?
The price-to-income ratio in Billings is 5.3× ($320K home, $60K income) vs 4.4× in Lubbock. A ratio below 3× is generally considered affordable. Lubbock is more achievable for first-time family homebuyers.
How much does childcare cost in Billings vs Lubbock?
Based on cost-of-living indices, estimated childcare (infant/toddler) runs approximately $1,157/month in Billings and $1,053/month in Lubbock. These are estimates — actual costs vary by provider and program type.
Which city has lower taxes for families?
Billings has a 6.8% state income tax rate vs Lubbock (Texas) has no state income tax. For a dual-income family earning $120K combined, the difference can mean $408+/month in take-home.
Childcare estimates based on national average scaled by COL index. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026
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