Moving from Chattanooga to Waco (2026)
Waco has a COL index of 83 vs 86 for Chattanooga (100 = US average). You'd pay about 3% less for the same lifestyle.
Save ~$255/mo
on core expenses · $75K salary baseline
Key differences
COL index
8683
100 = US avg
1BR rent
$1,250$1,000
per month
State tax
NoneNone
income tax
Take-home at $75K
$4,741$4,741
per month
Salary needed in Waco to match your Chattanooga lifestyle
Based on the 3% cost of living decrease between the two cities.
| Your salary in Chattanooga | Equivalent in Waco |
|---|---|
| $40K | $38,605 |
| $50K | $48,256 |
| $60K | $57,907 |
| $75K | $72,384 |
| $80K | $77,209 |
| $100K | $96,512 |
| $120K | $115,814 |
| $150K | $144,767 |
Monthly budget at $75K — Chattanooga vs Waco
| Expense | Chattanooga | Waco |
|---|---|---|
| Monthly take-home | $4,741 | $4,741 |
| 1BR rent | $1,250 | $1,000 |
| Groceries | $357 | $350 |
| Transport | $45 | $38 |
| Utilities | $165 | $172 |
| Internet | $58 | $60 |
| Left after essentials | $2,866 | $3,121 |
Frequently asked questions
Is Waco cheaper than Chattanooga?
Yes. Waco has a cost of living index of 83 vs 86 for Chattanooga (100 = US average). That's about 3% cheaper.
How much will I save moving from Chattanooga to Waco?
On a $75K salary, moving from Chattanooga to Waco could save roughly $255/month on core expenses. That's ~$3,060/year.
What salary do I need in Waco to match my Chattanooga lifestyle?
To maintain the same purchasing power as $75,000 in Chattanooga, you'd need roughly $72,384/year in Waco. This is based on the overall COL index difference between the two cities.
Moving from Waco to ChattanoogaChattanooga vs Waco — full comparisonChattanooga 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