Can I Afford to Live in Waco vs Duluth on $50K?
Here's how a $50K/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 | Duluth MN |
|---|---|---|
| Monthly take-home (est.) | $3,160 | $2,748 |
| 1BR rent | $1,000 | $1,200 |
| Groceries (est.) | $350 | $369 |
| Transport (est.) | $38 | $60 |
| Utilities | $172 | $165 |
| Internet | $60 | $62 |
| Left after essentials | $1,540/month | $892/month |
Frequently asked questions
Is $50K a good salary in Waco?
At $50K/year in Waco, your estimated monthly take-home is $3,160. With 1BR rent around $1,000/month, rent takes up 32% of your take-home. That's considered manageable.
Is $50K a good salary in Duluth?
At $50K/year in Duluth, your estimated monthly take-home is $2,748. With 1BR rent around $1,200/month, rent takes up 44% of your take-home. That's considered tight.
Which city is more affordable on a $50K salary?
Waco leaves you with more money after core expenses — $1,540/month vs $892/month in Duluth.
Can I afford to live alone in Waco on $50K?
Yes. At $50K in Waco, rent takes 32% of your take-home, leaving $1,540/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