Moving from Baltimore to Waco (2026)
Waco has a COL index of 83 vs 110 for Baltimore (100 = US average). You'd pay about 25% less for the same lifestyle.
Save ~$999/mo
on core expenses · $75K salary baseline
Key differences
COL index
11083
100 = US avg
1BR rent
$1,900$1,000
per month
State tax
4.8%None
income tax
Take-home at $75K
$4,441$4,741
per month
Salary needed in Waco to match your Baltimore lifestyle
Based on the 25% cost of living decrease between the two cities.
| Your salary in Baltimore | Equivalent in Waco |
|---|---|
| $40K | $30,182 |
| $50K | $37,727 |
| $60K | $45,273 |
| $75K | $56,591 |
| $80K | $60,364 |
| $100K | $75,455 |
| $120K | $90,545 |
| $150K | $113,182 |
Monthly budget at $75K — Baltimore vs Waco
| Expense | Baltimore | Waco |
|---|---|---|
| Monthly take-home | $4,441 | $4,741 |
| 1BR rent | $1,900 | $1,000 |
| Groceries | $391 | $350 |
| Transport | $88 | $38 |
| Utilities | $175 | $172 |
| Internet | $65 | $60 |
| Left after essentials | $1,822 | $3,121 |
Frequently asked questions
Is Waco cheaper than Baltimore?
Yes. Waco has a cost of living index of 83 vs 110 for Baltimore (100 = US average). That's about 25% cheaper.
How much will I save moving from Baltimore to Waco?
On a $75K salary, moving from Baltimore to Waco could save roughly $999/month on core expenses. That's ~$11,988/year.
What salary do I need in Waco to match my Baltimore lifestyle?
To maintain the same purchasing power as $75,000 in Baltimore, you'd need roughly $56,591/year in Waco. This is based on the overall COL index difference between the two cities.
Moving from Waco to BaltimoreBaltimore vs Waco — full comparisonBaltimore cost of livingWaco cost of living
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