Moving from Sacramento to Waco (2026)
Waco has a COL index of 83 vs 127 for Sacramento (100 = US average). You'd pay about 35% less for the same lifestyle.
Save ~$1,098/mo
on core expenses · $75K salary baseline
Key differences
COL index
12783
100 = US avg
1BR rent
$2,000$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 Sacramento lifestyle
Based on the 35% cost of living decrease between the two cities.
| Your salary in Sacramento | Equivalent in Waco |
|---|---|
| $40K | $26,142 |
| $50K | $32,677 |
| $60K | $39,213 |
| $75K | $49,016 |
| $80K | $52,283 |
| $100K | $65,354 |
| $120K | $78,425 |
| $150K | $98,031 |
Monthly budget at $75K — Sacramento vs Waco
| Expense | Sacramento | Waco |
|---|---|---|
| Monthly take-home | $4,159 | $4,741 |
| 1BR rent | $2,000 | $1,000 |
| Groceries | $403 | $350 |
| Transport | $100 | $38 |
| Utilities | $150 | $172 |
| Internet | $65 | $60 |
| Left after essentials | $1,441 | $3,121 |
Frequently asked questions
Is Waco cheaper than Sacramento?
Yes. Waco has a cost of living index of 83 vs 127 for Sacramento (100 = US average). That's about 35% cheaper.
How much will I save moving from Sacramento to Waco?
On a $75K salary, moving from Sacramento to Waco could save roughly $1,098/month on core expenses. That's ~$13,176/year.
What salary do I need in Waco to match my Sacramento lifestyle?
To maintain the same purchasing power as $75,000 in Sacramento, you'd need roughly $49,016/year in Waco. This is based on the overall COL index difference between the two cities.
Moving from Waco to SacramentoSacramento vs Waco — full comparisonSacramento 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