Moving from Billings to Waco (2026)
Waco has a COL index of 83 vs 89 for Billings (100 = US average). You'd pay about 7% less for the same lifestyle.
Save ~$207/mo
on core expenses · $75K salary baseline
Key differences
COL index
8983
100 = US avg
1BR rent
$1,200$1,000
per month
State tax
6.8%None
income tax
Take-home at $75K
$4,316$4,741
per month
Salary needed in Waco to match your Billings lifestyle
Based on the 7% cost of living decrease between the two cities.
| Your salary in Billings | Equivalent in Waco |
|---|---|
| $40K | $37,303 |
| $50K | $46,629 |
| $60K | $55,955 |
| $75K | $69,944 |
| $80K | $74,607 |
| $100K | $93,258 |
| $120K | $111,910 |
| $150K | $139,888 |
Monthly budget at $75K — Billings vs Waco
| Expense | Billings | Waco |
|---|---|---|
| Monthly take-home | $4,316 | $4,741 |
| 1BR rent | $1,200 | $1,000 |
| Groceries | $369 | $350 |
| Transport | $42 | $38 |
| Utilities | $148 | $172 |
| Internet | $68 | $60 |
| Left after essentials | $2,489 | $3,121 |
Frequently asked questions
Is Waco cheaper than Billings?
Yes. Waco has a cost of living index of 83 vs 89 for Billings (100 = US average). That's about 7% cheaper.
How much will I save moving from Billings to Waco?
On a $75K salary, moving from Billings to Waco could save roughly $207/month on core expenses. That's ~$2,484/year.
What salary do I need in Waco to match my Billings lifestyle?
To maintain the same purchasing power as $75,000 in Billings, you'd need roughly $69,944/year in Waco. This is based on the overall COL index difference between the two cities.
Moving from Waco to BillingsBillings vs Waco — full comparisonBillings 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