Koh Samui wins overall by ~66% (COL index)
Cost of living: Waco vs Koh Samui (2026)
A $75,000 salary in Waco buys roughly what $45,181 does in Koh Samui (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
−$7,445/yr
Favoring Koh Samui for this income & household (illustrative).
With the extra $620/mo, you could pay down a $15,000 card balance in ~25 months and still keep ~$74/mo for dining out.
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 | Waco Texas | Koh Samui Surat Thani Province | Who wins | Your impact at $75K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $800 | $450Wins | Koh Samui wins −$350/mo | $4,200/yr saves in Koh Samui |
| 1BR rent/mo | $1,000 | $620Wins | Koh Samui wins −$380/mo | $4,560/yr saves in Koh Samui |
| 2BR rent/mo | $1,300 | $950Wins | Koh Samui wins −$350/mo | $4,200/yr saves in Koh Samui |
| Median home price | $210K | — | — | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 92 | — | — | — |
| Budget meal (1 person) | $11 | $5Wins | Koh Samui wins −$6/mo | — |
| Mid-range dinner (2) | $46 | $20Wins | Koh Samui wins −$26/mo | $312/yr saves in Koh Samui |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $38 | — | — | — |
| Gas price/gal | $3.00 | — | — | — |
| Car insurance/mo | $162 | — | — | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $172 | $70Wins | Koh Samui wins −$102/mo | $1,224/yr saves in Koh Samui |
| Internet/mo | $60 | $28Wins | Koh Samui wins −$32/mo | $384/yr saves in Koh Samui |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $48K | — | — | — |
| State income tax% | 0.0%Better | 0.0% | — | — |
| Sales tax (combined)% | 8.3% | 7.0%Wins | Koh Samui wins -1.3 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $12.00 | — | — | — |
| Gym membership/mo | $30Wins | $35 | Waco wins +$5/mo | — |
| Beer at restaurant | $4.50 | — | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 83 | 50Wins | Koh Samui wins -33 | — |
| Walk score / 100 | 22 | 35Wins | Koh Samui wins +13 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Koh Samui 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 Koh Samui.
High-yield savings
Park ~$4,560/yr rent savings at 4–5%+ APY
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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While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
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Frequently asked questions
Is Waco cheaper than Koh Samui?
No. Koh Samui is 66% cheaper than Waco based on overall cost of living indices (50 vs 83, where 100 = US average).
What is the average rent in Waco vs Koh Samui?
As of Q1 2026, the median 1-bedroom rent in Waco is $1,000/month and in Koh Samui is $620/month. Waco is more expensive by 61%.
How much do I need to earn in Koh Samui to match a $75,000 salary in Waco?
To maintain a similar lifestyle, you would need approximately $45,181/year in Koh Samui to match a $75,000 salary in Waco. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Waco or Koh Samui?
Koh Samui has the lower state income tax rate at 0% vs 0%. Koh Samui 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 Waco to Koh Samui?
It depends on your priorities. Koh Samui 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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