Moving from Albany to Waco (2026)
Waco has a COL index of 83 vs 92 for Albany (100 = US average). You'd pay about 10% less for the same lifestyle.
Save ~$478/mo
on core expenses · $75K salary baseline
Key differences
COL index
9283
100 = US avg
1BR rent
$1,400$1,000
per month
State tax
6.9%None
income tax
Take-home at $75K
$4,309$4,741
per month
Salary needed in Waco to match your Albany lifestyle
Based on the 10% cost of living decrease between the two cities.
| Your salary in Albany | Equivalent in Waco |
|---|---|
| $40K | $36,087 |
| $50K | $45,109 |
| $60K | $54,130 |
| $75K | $67,663 |
| $80K | $72,174 |
| $100K | $90,217 |
| $120K | $108,261 |
| $150K | $135,326 |
Monthly budget at $75K — Albany vs Waco
| Expense | Albany | Waco |
|---|---|---|
| Monthly take-home | $4,309 | $4,741 |
| 1BR rent | $1,400 | $1,000 |
| Groceries | $380 | $350 |
| Transport | $68 | $38 |
| Utilities | $185 | $172 |
| Internet | $65 | $60 |
| Left after essentials | $2,211 | $3,121 |
Frequently asked questions
Is Waco cheaper than Albany?
Yes. Waco has a cost of living index of 83 vs 92 for Albany (100 = US average). That's about 10% cheaper.
How much will I save moving from Albany to Waco?
On a $75K salary, moving from Albany to Waco could save roughly $478/month on core expenses. That's ~$5,736/year.
What salary do I need in Waco to match my Albany lifestyle?
To maintain the same purchasing power as $75,000 in Albany, you'd need roughly $67,663/year in Waco. This is based on the overall COL index difference between the two cities.
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates at $75K. Zillow · BLS · Numbeo · For general guidance only