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City · 264,814 residents · Lubbock County, Texas

Lubbock , Texas

In Lubbock, a typical home is worth $212,400 and typical rent is $1,182 a month. Compared with all of Lubbock County, typical household income is 5% lower.

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  • Typical home value

    $212,400

    About the same as the county

    25% below Texas

    • Lubbock
    • County
    • Texas

  • Typical rent

    $1,182a month

    About the same as the county

    16% below Texas

    • Lubbock
    • County
    • Texas

  • Typical household income

    $60,895a year

    5% below the county

    22% below Texas

    • Lubbock
    • County
    • Texas

  • Households that own their home

    51%

    4 points below the county

    11 points below Texas

    • Lubbock
    • County
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$210,957
2.2% more than 12 months ago
Typical rent
$1,315 a month
1.7% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Lubbock is in Lubbock County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Lubbock County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lubbock apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Littlefield, the typical home value is $79,400: 63% less than in Lubbock ($212,400).

  2. Nearby, in Brownfield, the typical rent is $811: 31% less than in Lubbock ($1,182).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Lubbock rose 2.2%; in Texas, it fell 1.4%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Lubbock

What homes there are in Lubbock, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

As in Lubbock County, most homes in Lubbock are detached houses (65%).

Year built

In Lubbock, half of the homes were built before 1984; in Lubbock County, before 1985.

By size, homes in Lubbock look like those in Lubbock County: 62% have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Lubbock sit under the FHA limit for Lubbock County ($541,287): about 93%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Lubbock County is $1,241: about 53% of rents in Lubbock are below it.

With a mortgage

$1,794 a month

Lubbock County: $1,787 a month

Without a mortgage

$681 a month

Lubbock County: $654 a month

Owners with a mortgage

57%

Lubbock County: 56%

In Lubbock, 57% of owners have a mortgage; their typical cost is $1,794 a month, about the same as in Lubbock County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Lubbock County, the typical home value in Lubbock rose 51% since 2015–2019.

Much as in Lubbock County, the typical rent in Lubbock rose 24% since 2015–2019.

Here income did not keep up with housing: it rose 21%, while home values changed +51% and rent +24%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLubbockLubbock CountyTexasUnited States
Rental vacancy 7.9%7.8%7.7%5.5%
Homeowner vacancy 1.0%0.9%1.1%0.9%
More than one person per room 2.5%2.7%4.8%3.4%
People per household 2.362.422.692.53
Drive alone 77%78%71%69%
Carpool 11%11%10%9%
Public transit 1%1%1%3%
Walk or bike 2%2%2%3%
Work from home 7%7%14%15%
Other means 1%1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Lubbock County, the rental vacancy rate in Lubbock is 7.9%.

Much as in Lubbock County, 2.5% of households in Lubbock have more than one person per room.

By size, households in Lubbock look like those in Lubbock County: 2.36 people on average.

The car rules in Lubbock: 77% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Lubbock?

A typical home costs more than the typical income allows

We start with a typical home in Lubbock, worth $212,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Lubbock, which is $60,895 a year. For that payment to be 28% of income, a household would need to earn about $80,278 a year.

The calculator's FHA and conventional loan limits are those of all of Lubbock County.

Your numbers

Local data
$

Starts at the typical home value in Lubbock. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,434 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,873

at 7.18% · 30 years

Loan amount
$208,553
Total interest
$300,059
Paid off in
November 2056

Includes $3,587 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,421 a month

  • Tight

    $1,421 to $1,827 a month

  • Hard

    more than $1,827 a month

    Your payment · 37%

Compared with the typical household income in Lubbock ($60,895 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,873
Principal & interest$1,413
Property tax$278
Home insurance$89
FHA mortgage insurance (MIP)$94

You need at least $7,434 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Lubbock and Lubbock County

Lubbock is in Lubbock County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Lubbock's own numbers

Typical home value
$212,400
Typical monthly rent
$1,182
Typical yearly household income
$60,895
Households that own their home
51%
Effective property tax rate
1.57%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Lubbock County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,241
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
5.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Lubbock County.

Everything about Lubbock County

Buying

Buying a home in Lubbock

A typical home in Lubbock is worth $212,400: about the same as the county and 25% below Texas. With the typical household income in Lubbock ($60,895 a year), a typical home costs 3.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Lubbock 3.5 years
  • County 3.3 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lubbock County

According to FHFA’s house price index, home prices in Lubbock County rose 59% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Lubbock County.

Period County Texas U.S.
Last year (2025) +1.3% +0.8% +2.9%
5 years (2020–2025) +35% +44% +47%
10 years (2015–2025) +59% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Lubbock next to Lubbock County, Texas and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Lubbock $212,400
  • County $214,100
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Lubbock $1,182
  • County $1,178
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Lubbock $60,895
  • County $64,155
  • Texas $78,476
  • United States $80,734
See the full table
Lubbock next to Lubbock County and Texas
Measure Lubbock Lubbock County Texas U.S.
Typical home value $212,400 $214,100 $283,800 $332,700
Typical monthly rent $1,182 $1,178 $1,403 $1,413
Typical yearly household income $60,895 $64,155 $78,476 $80,734
Households that own their home 51% 56% 63% 65%
Typical yearly property tax $3,333 $3,241 $4,232 $3,119
Effective property tax rate 1.57% 1.51% 1.49% 0.94%
Renters with high rent for their income 56% 54% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lubbock County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Lubbock

For a typical $212,400 home in Lubbock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lubbock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,873a month

    Least cash to close
    Down payment
    $7,434
    Cash to close
    $13,806
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $94

  • Conventional, 5% down $1,834a month

    Down payment
    $10,620
    Cash to close
    $16,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $101

  • Conventional, 20% down, no PMI $1,517a month

    Down payment
    $42,480
    Cash to close
    $48,852
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,714a month

    Down payment
    $31,860
    Cash to close
    $38,232
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Lubbock and for Lubbock County.

Property tax

Effective rate in Lubbock

1.57%of the home’s value each year

$3,333 a year for the typical owner in Lubbock.

  • Lubbock 1.57%
  • County 1.51%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Lubbock County

FEMA does not publish these numbers by city: they are for all of Lubbock County.

Homes in the high-risk zone
5.4%
5,555
Of those, with NFIP insurance
11%
County Texas U.S.
Homes in the high-risk zone 5.4% 4.1% 3.5%
Of those, with NFIP insurance 11% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lubbock

Typical rent in Lubbock is $1,182 a month: about the same as the county. In Lubbock, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lubbock County, by unit size. To pay the 2-bedroom one ($1,241 a month) without spending more than 30% of your income, you would need to earn $23.87 an hour working full time.

HUD fair market rent for all of Lubbock County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $893 $17.17 $35,720
1 bedroom $1,050 $20.19 $42,000
2 bedrooms $1,241 $23.87 $49,640
3 bedrooms $1,718 $33.04 $68,720
4 bedrooms $2,053 $39.48 $82,120

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Lubbock

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lubbock has 10 ZIP codes with their own.

For 2 bedrooms it runs from $1,060 in 79403 to $1,440 in 79413.

3 of the 10 are above the fair market rent for Lubbock County ($1,241).

  • 79401 $1,160$1,610
  • 79402 $1,240$1,720
  • 79403 $1,060$1,480
  • 79406 $1,220$1,690
  • 79410 $1,440$1,990
  • 79411 $1,060$1,480
  • 79412 $1,090$1,510
  • 79413 $1,440$1,990
  • 79414 $1,220$1,690
  • 79424 $1,250$1,730

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lubbock when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Lubbock

HUD lists 28 buildings with rents for lower incomes in Lubbock. These are the largest.

  • Windcrest Estacado 512 N Mlk Blvd, Lubbock 79403 208 low-income homes · 1 bd: 48 · 2 bd: 80 · 3 bd: 48 · 4 bd: 32 · In service since 1999
  • Windcrest Village 1001 N Indiana Ave, Lubbock 79415 208 low-income homes · 1 bd: 24 · 2 bd: 112 · 3 bd: 56 · 4 bd: 16 · In service since 1998
  • Hillcrest Manor Senior Community 1102 N Memphis Ave, Lubbock 79415 220 homes, 200 low-income · 1 bd: 40 · 2 bd: 180 · In service since 2007 · For older adults, people with disabilities, families, people experiencing homelessness
  • Southstead (fka Homestead & South Plains) 5401 56th St, Lubbock 79414 177 homes, 175 low-income · For families (806) 792-6952
  • Castle Garden Apts 1102 58th St, Lubbock 79412 152 low-income homes · 1 bd: 16 · 2 bd: 104 · 3 bd: 32 · In service since 2004 · For families (806) 765-8134

See all 35 buildings in Lubbock County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lubbock

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Lubbock County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Lubbock

No down payment, repair or rent-help program on our list is for Lubbock or Lubbock County. The ones below are statewide in Texas: they work in Lubbock the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    Texas state program for first-time buyers: a 30-year mortgage with down payment assistance. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    Texas state program with down payment assistance for any buyer, not only first-time buyers. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    Tax credit

    See the program Official page

Housing counselors near Lubbock

The HUD-approved agencies closest to the center of Lubbock, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Midland Community Development Corp

    208 S Marienfeld St, Midland · 109 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (432) 682-2520

  • Odessa Affordable Housing, Inc.

    3801 N Dixie Blvd, Odessa · 119 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (432) 362-2349

  • Fort Worth Area Habitat for Humanity Inc

    9333 N Normandale St, Fort Worth · 261 miles away · Spanish

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 1 more
    817-926-9219x119

All counseling agencies in Texas

Help in Spanish near Lubbock

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Lubbock

HUD’s record names them for Lubbock or Lubbock County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Lubbock Public housing and Section 8 vouchers (806) 776-2300

One other authority has an office in Lubbock County: see the list Source: HUD

Cities

Other cities in Lubbock County

These cities are also in Lubbock County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Lubbock County Housing in Texas

Nearby cities

The cities closest to Lubbock, with the typical home value.

Neighboring counties

If Lubbock County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Lubbock.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Lubbock

Short answers with the numbers for Lubbock and all of Lubbock County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Lubbock?

The typical home value in Lubbock is $212,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lubbock County it is $214,100.

How much does it cost to rent in Lubbock?

Typical rent in Lubbock is $1,182 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lubbock County is $1,241.

What is the FHA loan limit in Lubbock?

Lubbock uses the FHA limit for all of Lubbock County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Lubbock?

The typical homeowner in Lubbock pays $3,333 a year, according to the U.S. Census Bureau. That is 1.57% of the home’s value; in Lubbock County, the rate is 1.51%.

Where can I find free help to buy or rent in Lubbock?

We found no HUD-approved counseling agencies with an office in Lubbock County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).