Waco vs San Antonio for Families (2026)
A family-focused comparison of housing, income, taxes, and overall affordability in Waco, TX vs San Antonio, TX.
- 2BR rent: $1,300/mo in Waco vs $1,450/mo — 10% difference
- More affordable homeownership in Waco: $210K median vs $260K
- Higher median household income in San Antonio: $55K/yr vs $48K
- Waco has no state income tax — more take-home for family expenses
Family cost comparison
| Metric | Waco Texas | San Antonio Texas |
|---|---|---|
| 2BR rent/month | $1,300Better | $1,450 |
| Median home price | $210KBetter | $260K |
| Median household income | $48K | $55KBetter |
| Est. childcare/month | $1,079Better | $1,131 |
| State income tax | NoneBetter | None |
| Sales tax (combined) | 8.3%Better | 8.3% |
Frequently asked questions
Which city is better for raising a family — Waco or San Antonio?
Based on housing costs, income, and taxes, Waco scores slightly better for families overall. Waco has lower 2-bedroom rents, Waco is more affordable for homebuyers, though both cities have strong family communities.
What is the average 2-bedroom rent in Waco vs San Antonio?
As of Q1 2026, median 2BR rent is $1,300/month in Waco and $1,450/month in San Antonio. Waco is 10% cheaper for a 2-bedroom apartment.
Can a family afford to buy a home in Waco or San Antonio?
The price-to-income ratio in Waco is 4.4× ($210K home, $48K income) vs 4.7× in San Antonio. A ratio below 3× is generally considered affordable. Waco is more achievable for first-time family homebuyers.
How much does childcare cost in Waco vs San Antonio?
Based on cost-of-living indices, estimated childcare (infant/toddler) runs approximately $1,079/month in Waco and $1,131/month in San Antonio. These are estimates — actual costs vary by provider and program type.
Which city has lower taxes for families?
Waco (Texas) has no state income tax vs San Antonio (Texas) has no state income tax. For a dual-income family earning $120K combined, the difference can mean $0+/month in take-home.
Childcare estimates based on national average scaled by COL index. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026
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