Can I Afford to Live in Waco vs Koh Samui on $120K?
Here's how a $120K/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 | Koh Samui TH |
|---|---|---|
| Monthly take-home (est.) | $7,155 | $7,155 |
| 1BR rent | $1,000 | $620 |
| Groceries (est.) | $350 | $380 |
| Transport (est.) | $38 | $150 |
| Utilities | $172 | $70 |
| Internet | $60 | $28 |
| Left after essentials | $5,535/month | $5,907/month |
Frequently asked questions
Is $120K a good salary in Waco?
At $120K/year in Waco, your estimated monthly take-home is $7,155. With 1BR rent around $1,000/month, rent takes up 14% of your take-home. That's considered very comfortable.
Is $120K a good salary in Koh Samui?
At $120K/year in Koh Samui, your estimated monthly take-home is $7,155. With 1BR rent around $620/month, rent takes up 9% of your take-home. That's considered very comfortable.
Which city is more affordable on a $120K salary?
Koh Samui leaves you with more money after core expenses — $5,907/month vs $5,535/month in Waco.
Can I afford to live alone in Waco on $120K?
Yes. At $120K in Waco, rent takes 14% of your take-home, leaving $5,535/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