Can I Afford to Live in Waco vs Baltimore on $100K?
Here's how a $100K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Waco TX | Baltimore MD |
|---|---|---|
| Monthly take-home (est.) | $6,321 | $5,921 |
| 1BR rent | $1,000 | $1,900 |
| Groceries (est.) | $350 | $391 |
| Transport (est.) | $38 | $88 |
| Utilities | $172 | $175 |
| Internet | $60 | $65 |
| Left after essentials | $4,701/month | $3,302/month |
Frequently asked questions
Is $100K a good salary in Waco?
At $100K/year in Waco, your estimated monthly take-home is $6,321. With 1BR rent around $1,000/month, rent takes up 16% of your take-home. That's considered very comfortable.
Is $100K a good salary in Baltimore?
At $100K/year in Baltimore, your estimated monthly take-home is $5,921. With 1BR rent around $1,900/month, rent takes up 32% of your take-home. That's considered manageable.
Which city is more affordable on a $100K salary?
Waco leaves you with more money after core expenses — $4,701/month vs $3,302/month in Baltimore.
Can I afford to live alone in Waco on $100K?
Yes. At $100K in Waco, rent takes 16% of your take-home, leaving $4,701/month after essentials. Most financial planners recommend keeping rent below 30%.
See the full cost-of-living comparison
Rent, groceries, taxes, transportation, and more — side by side.
Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only