Moving from San Antonio to Waco (2026)
Waco has a COL index of 83 vs 87 for San Antonio (100 = US average). You'd pay about 5% less for the same lifestyle.
Change cities
Key differences
Salary needed in Waco to match your San Antonio lifestyle
Based on the 5% cost of living decrease between the two cities.
| Your salary in San Antonio | 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 |
💵 Household income (before tax)
Monthly budget at $75K — San Antonio vs Waco
| Expense | San Antonio | Waco |
|---|---|---|
| Monthly take-home | $4,741 | $4,741 |
| 1BR rent | $1,100 | $1,000 |
| Groceries | $353 | $350 |
| Transport | $48 | $38 |
| Utilities | $175 | $172 |
| Internet | $60 | $60 |
| Left after essentials | $3,005 | $3,121 |
30-Year Wealth Builder
If you invest your monthly savings of $116 in a low-cost index fund (7% avg return), you'd accumulate an extra:
over 30 years compared to staying in San Antonio — that's the real price of a city.
Frequently asked questions
Is Waco cheaper than San Antonio?
Yes. Waco has a cost of living index of 83 vs 87 for San Antonio (100 = US average). That's about 5% cheaper.
How much will I save moving from San Antonio to Waco?
On a $75K salary, moving from San Antonio to Waco saves roughly $100/month on core expenses. That's ~$1,200/year.
What salary do I need in Waco to match my San Antonio lifestyle?
To maintain the same purchasing power as $75,000 in San Antonio, you'd need roughly $71,552/year in Waco. This is based on the overall COL index difference.
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates. Zillow · BLS · Numbeo · For general guidance only