Waco vs Buffalo for Remote Workers (2026)
Scroll down for internet costs, SF savings estimate, and FAQ.
Remote work cost breakdown
| Metric | Waco Texas | Buffalo New York |
|---|---|---|
| Overall COL index (100 = US avg) | 83Better | 90 |
| State income tax | None (0%)Better | 6.9% |
| 1BR rent / month | $1,000Better | $1,250 |
| Internet / month | $60Better | $65 |
| Walk score (0–100) | 22 / 100 | 62 / 100Better |
| Monthly utilities | $172Better | $185 |
| Sales tax (combined) | 8.3%Better | 8.5% |
| Est. monthly savings vs SF | +$5,722Better | +$5,361 |
Frequently asked questions
Is Waco or Buffalo better for remote workers?
For remote workers, Waco edges ahead on overall cost of living, internet costs, and taxes. The no-state-income-tax advantage in Waco is particularly valuable for remote workers with high salaries. The best choice depends on your priorities — cost vs walkability vs community.
How much money can I save working remotely in Waco vs staying in San Francisco?
If you earn $120K remotely and relocate from San Francisco (COL index 194) to Waco (COL index 83), you'd save approximately $5,722/month on equivalent purchasing power — or about $68,664/year. This doesn't account for potential salary adjustments.
What is internet service like in Waco vs Buffalo?
Median monthly internet costs are $60 in Waco and $65 in Buffalo. Both cities have competitive broadband options suitable for remote work, including gigabit fiber in most areas.
Can I negotiate a remote salary if I move from a high-cost city to Waco or Buffalo?
Many employers now use location-based pay. Moving from a top-tier city to Waco could trigger a salary adjustment. Even at 85% of a $150K SF salary ($127.5K), the lower COL in Waco or Buffalo typically means significantly higher purchasing power and take-home after local taxes.
Which city has better walkability for remote workers who don't need to commute?
Buffalo has a higher walk score (62 vs 22), meaning more errands, coffee shops, and restaurants are reachable on foot — a big quality-of-life factor when you're home all day. Walk scores above 70 are considered "very walkable."
$100K in Waco has the same purchasing power as $108K in Buffalo
SF savings estimate based on COL index vs San Francisco (194). Actual savings depend on lifestyle and salary adjustments. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026