Waco vs Springfield for Families (2026)
A family-focused comparison of housing, income, taxes, and overall affordability in Waco, TX vs Springfield, MA.
- 2BR rent: $1,300/mo in Waco vs $1,900/mo — 32% difference
- More affordable homeownership in Waco: $210K median vs $260K
- Higher median household income in Waco: $48K/yr vs $47K
- Waco has no state income tax — more take-home for family expenses
Family cost comparison
| Metric | Waco Texas | Springfield Massachusetts |
|---|---|---|
| 2BR rent/month | $1,300Better | $1,900 |
| Median home price | $210KBetter | $260K |
| Median household income | $48KBetter | $47K |
| Est. childcare/month | $1,079Better | $1,274 |
| State income tax | NoneBetter | 5% |
| Sales tax (combined) | 8.3% | 6.3%Better |
Frequently asked questions
Which city is better for raising a family — Waco or Springfield?
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 Springfield?
As of Q1 2026, median 2BR rent is $1,300/month in Waco and $1,900/month in Springfield. Waco is 32% cheaper for a 2-bedroom apartment.
Can a family afford to buy a home in Waco or Springfield?
The price-to-income ratio in Waco is 4.4× ($210K home, $48K income) vs 5.5× in Springfield. 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 Springfield?
Based on cost-of-living indices, estimated childcare (infant/toddler) runs approximately $1,079/month in Waco and $1,274/month in Springfield. 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 Springfield's 5% rate. For a dual-income family earning $120K combined, the difference can mean $300+/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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