Waco vs Vilnius for First-Time Homebuyers (2026)
Scroll down for down payment requirements, savings timelines, and FAQ.
Full first-time buyer cost breakdown
| Metric | Waco Texas | Vilnius Vilnius County |
|---|---|---|
| Median home price | $210K | — |
| Price-to-income ratio | 4.4× | — |
| Down payment (20%) | $42,000 | — |
| Months to save down payment | 11 mo | — |
| Est. monthly mortgage (7%, 30yr) | $1,118 | — |
| Monthly utilities | $172 | $95Better |
| State income tax | NoneBetter | 20% |
| Sales tax (combined) | 8.3%Better | 21% |
| Overall COL index (100 = US avg) | 83 | 60Better |
Your biggest money opportunities based on this comparison.
New homeowner must-have
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Mortgages
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Home & Auto Insurance
Bundle before you move — save 15–25%
New state means new rates. Lock in Vilnius homeowners + auto quotes before your move date.
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Average family spends $6,200 on a move. These cards pay 2–4% back + 0% intro APR on purchases.
Frequently asked questions
Is Waco or Vilnius better for first-time homebuyers?
Waco and Vilnius are closely matched for first-time homebuyers. Home prices, income levels, and tax burdens are comparable. Your specific priorities — job market, neighborhood, commute — should drive the decision.
What is the down payment needed to buy in Waco vs Vilnius?
Down payment data is not available for one or both cities.
What would my mortgage be in Waco vs Vilnius?
Mortgage estimate data is not available for one or both cities.
How long would it take to save for a down payment in Waco?
Down payment savings timeline data is not available for one or both cities.
Which city has lower property and income taxes for homeowners?
Waco (Texas) has no state income tax vs Vilnius's 20% rate. Property taxes vary significantly by neighborhood and assessed value — check local county rates when evaluating specific homes.
$75K in Waco has the same purchasing power as $54K in Vilnius
Mortgage estimate assumes 20% down payment at 7% fixed rate, 30-year term. Actual rates vary. Down payment savings timeline assumes 15% of gross income saved monthly. Data: Zillow, BLS, Tax Foundation · Q1 2026