Lubbock vs McAllen for Retirees (2026)
Scroll down for retirement income tax breakdown, healthcare estimates, and FAQ.
Your move simulator
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Estimated annual swing
−$960/yr
Favoring McAllen for this income & household (illustrative).
With an extra $80/mo in McAllen, you could max a Roth IRA contribution faster and still grow your savings buffer.
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High-yield savings
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Even $80/mo extra earns meaningfully at 4–5% APY vs near-zero in checking.
Home + auto bundle
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Moving to McAllen resets your insurance profile. Bundling home + auto often saves 15–25%.
Supplemental health
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Health coverage varies by state. Review Medigap plans available in your new zip before moving.
Full retirement cost breakdown
| Metric | Lubbock Texas | McAllen Texas | Your impact |
|---|---|---|---|
| 1BR rent / month | $1,000 | $950Better | $600/yr saves in McAllen |
| Median home price | $210K | $185KBetter | — |
| State income tax | NoneBetter | None | — |
| Sales tax (combined) | 8.3%Better | 8.3% | — |
| Monthly utilities | $172 | $165Better | — |
| Groceries index (US = 100) | 91 | 89Better | — |
| Est. healthcare / month | $405 | $390Better | $180/yr saves in McAllen |
| Walk score (0–100) | 24 / 100 | 26 / 100Better | — |
| Overall COL index (100 = US avg) | 81 | 78Better | — |
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Mortgages
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Home & Auto Insurance
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New state means new rates. Lock in McAllen homeowners + auto quotes before your move date.
Moving Rewards Card
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Average family spends $6,200 on a move. These cards pay 2–4% back + 0% intro APR on purchases.
Frequently asked questions
Which city is better for retirement — Lubbock or McAllen?
Based on home prices, taxes on retirement income, walkability, and overall cost of living, McAllen scores better for retirees. Median home prices are $210K in Lubbock vs $185K in McAllen. McAllen is approximately 4% cheaper overall. The best choice still depends on climate, healthcare access, and proximity to family.
Is retirement income taxed in Lubbock or McAllen?
Neither Lubbock nor McAllen has a state income tax, which is excellent for retirees relying on Social Security, pensions, or 401(k) withdrawals. Your retirement income is only subject to federal taxes.
What is the estimated monthly healthcare cost in Lubbock vs McAllen?
Based on national average retiree healthcare spending (~$500/month) scaled by each city's cost-of-living index, estimated monthly healthcare costs are approximately $405 in Lubbock and $390 in McAllen. That's a difference of ~$15/month, or ~$180/year. Actual costs vary based on your Medicare plan, supplements, and health needs.
Can I afford to retire in Lubbock on a $50,000 annual income?
On a $50,000/year ($4,167/month) retirement income in Lubbock, rent alone would consume approximately 24% of your budget (1BR rent ~$1,000/mo) and healthcare another ~10%. That leaves roughly 66% (~$2,750/mo) for groceries, transportation, and other expenses. This is generally considered manageable.
Which city is more walkable for retirees?
McAllen has a higher walk score (26 vs 24 out of 100). Walkability is increasingly important for retirees who want to reduce car dependence — a score above 70 means most daily errands can be done on foot. McAllen offers more independence without a car, which also reduces transportation costs.
$50K/year in Lubbock has the same purchasing power as $48K/year in McAllen
Healthcare estimates based on national avg retiree spending (~$500/mo) scaled by COL index · State income tax rates from Tax Foundation · Data: Zillow, BLS, Numbeo · Q1 2026