Lucado was born in San Angelo, Texas, the youngest of four children to Jack and Thelma Lucado. He grew up in Andrews, Texas. His father, of Italian ancestry, was an oil field worker, while his mother served as a nurse.

Lucado attended Abilene Christian University where he received an undergraduate degree in Mass Communication. While a student at Abilene Christian, Lucado worked to pay his way through college by selling books doortodoor with the Southwestern Advantage entrepreneurial program. Initially he wished to become a lawyer, but has said that a required Bible course at the university and a mission trip made him change his mind, deciding instead to become a missionary. However, this required that Lucado get a graduate degree in Bible and Biblical Studies, and have at least two years experience ministering to a church. Lucado graduated from Abilene Christian University with a master's degree in Bible and Biblical Studies.
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