Moving from Duluth to Waco (2026)
Waco has a COL index of 83 vs 87 for Duluth (100 = US average). You'd pay about 5% less for the same lifestyle.
Save ~$236/mo
on core expenses · $75K salary baseline
Key differences
COL index
8783
100 = US avg
1BR rent
$1,200$1,000
per month
State tax
9.9%None
income tax
Take-home at $75K
$4,122$4,741
per month
Salary needed in Waco to match your Duluth lifestyle
Based on the 5% cost of living decrease between the two cities.
| Your salary in Duluth | Equivalent in Waco |
|---|---|
| $40K | $38,161 |
| $50K | $47,701 |
| $60K | $57,241 |
| $75K | $71,552 |
| $80K | $76,322 |
| $100K | $95,402 |
| $120K | $114,483 |
| $150K | $143,103 |
Monthly budget at $75K — Duluth vs Waco
| Expense | Duluth | Waco |
|---|---|---|
| Monthly take-home | $4,122 | $4,741 |
| 1BR rent | $1,200 | $1,000 |
| Groceries | $369 | $350 |
| Transport | $60 | $38 |
| Utilities | $165 | $172 |
| Internet | $62 | $60 |
| Left after essentials | $2,266 | $3,121 |
Frequently asked questions
Is Waco cheaper than Duluth?
Yes. Waco has a cost of living index of 83 vs 87 for Duluth (100 = US average). That's about 5% cheaper.
How much will I save moving from Duluth to Waco?
On a $75K salary, moving from Duluth to Waco could save roughly $236/month on core expenses. That's ~$2,832/year.
What salary do I need in Waco to match my Duluth lifestyle?
To maintain the same purchasing power as $75,000 in Duluth, you'd need roughly $71,552/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