Fort Wayne wins overall by ~2% (COL index)
Cost of living: Fort Wayne vs Waco (2026)
A $60,000 salary in Fort Wayne buys roughly what $61,481 does in Waco (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$1,637/yr
Favoring Waco for this income & household (illustrative).
With an extra $136/mo in Waco, you could max a Roth IRA contribution faster and still grow your savings buffer.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Fort Wayne Indiana | Waco Texas | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $800Better | $800 | — | — |
| 1BR rent/mo | $1,000Better | $1,000 | — | — |
| 2BR rent/mo | $1,300Better | $1,300 | — | — |
| Median home price | $200KBetter | $210K | Fort wins +$10K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 93 | 92Better | Waco wins -1 | — |
| Budget meal (1 person) | $11Better | $11 | — | — |
| Mid-range dinner (2) | $46Better | $46 | — | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $42 | $38Better | Waco wins −$4/mo | — |
| Gas price/gal | $3.05 | $3.00Better | Waco wins −$0.05 | — |
| Car insurance/mo | $138Wins | $162 | Fort wins +$24/mo | $288/yr saves in Fort |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $155Better | $172 | Fort wins +$17/mo | — |
| Internet/mo | $58Better | $60 | Fort wins +$2/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $50KBetter | $48K | Fort wins −$2K more/yr | — |
| State income tax% | 3.2% | 0.0%Wins | Waco wins -3.2 pp | $1,920/yr saves in Waco |
| Sales tax (combined)% | 7.0%Wins | 8.3% | Fort wins +1.3 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $13.00 | $12.00Better | Waco wins −$1.00 | — |
| Gym membership/mo | $30Better | $30 | — | — |
| Beer at restaurant | $4.50Better | $4.50 | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 81Better | 83 | Fort wins +2 | — |
| Walk score / 100 | 28Wins | 22 | Fort wins -6 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$1,920/yr tax difference into cash back
Fort Wayne fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Fort Wayne.
High-yield savings
Grow your move fund while you shop for homes
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Fort Wayne cheaper than Waco?
Yes. Fort Wayne is 2% cheaper than Waco based on overall cost of living indices (81 vs 83, where 100 = US average).
What is the average rent in Fort Wayne vs Waco?
As of Q1 2026, the median 1-bedroom rent in Fort Wayne is $1,000/month and in Waco is $1,000/month. Fort Wayne is more expensive by 0%.
How much do I need to earn in Waco to match a $75,000 salary in Fort Wayne?
To maintain a similar lifestyle, you would need approximately $76,852/year in Waco to match a $75,000 salary in Fort Wayne. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Fort Wayne or Waco?
Waco has the lower state income tax rate at 0% vs 3.2%. Waco has no state income tax at all, which can save thousands of dollars per year depending on your income. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Fort Wayne to Waco?
It depends on your priorities. Fort Wayne offers lower overall costs and tax advantages, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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