Moving from Oakland to Waco (2026)
Waco has a COL index of 83 vs 162 for Oakland (100 = US average). You'd pay about 49% less for the same lifestyle.
Save ~$1,824/mo
on core expenses · $75K salary baseline
Key differences
COL index
16283
100 = US avg
1BR rent
$2,700$1,000
per month
State tax
9.3%None
income tax
Take-home at $75K
$4,159$4,741
per month
Salary needed in Waco to match your Oakland lifestyle
Based on the 49% cost of living decrease between the two cities.
| Your salary in Oakland | Equivalent in Waco |
|---|---|
| $40K | $20,494 |
| $50K | $25,617 |
| $60K | $30,741 |
| $75K | $38,426 |
| $80K | $40,988 |
| $100K | $51,235 |
| $120K | $61,481 |
| $150K | $76,852 |
Monthly budget at $75K — Oakland vs Waco
| Expense | Oakland | Waco |
|---|---|---|
| Monthly take-home | $4,159 | $4,741 |
| 1BR rent | $2,700 | $1,000 |
| Groceries | $426 | $350 |
| Transport | $100 | $38 |
| Utilities | $148 | $172 |
| Internet | $70 | $60 |
| Left after essentials | $715 | $3,121 |
Frequently asked questions
Is Waco cheaper than Oakland?
Yes. Waco has a cost of living index of 83 vs 162 for Oakland (100 = US average). That's about 49% cheaper.
How much will I save moving from Oakland to Waco?
On a $75K salary, moving from Oakland to Waco could save roughly $1,824/month on core expenses. That's ~$21,888/year.
What salary do I need in Waco to match my Oakland lifestyle?
To maintain the same purchasing power as $75,000 in Oakland, you'd need roughly $38,426/year in Waco. This is based on the overall COL index difference between the two cities.
Moving from Waco to OaklandOakland vs Waco — full comparisonOakland 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