Moving from San Diego to Waco (2026)
Waco has a COL index of 83 vs 148 for San Diego (100 = US average). You'd pay about 44% less for the same lifestyle.
Save ~$1,689/mo
on core expenses · $75K salary baseline
Key differences
COL index
14883
100 = US avg
1BR rent
$2,600$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 San Diego lifestyle
Based on the 44% cost of living decrease between the two cities.
| Your salary in San Diego | Equivalent in Waco |
|---|---|
| $40K | $22,432 |
| $50K | $28,041 |
| $60K | $33,649 |
| $75K | $42,061 |
| $80K | $44,865 |
| $100K | $56,081 |
| $120K | $67,297 |
| $150K | $84,122 |
Monthly budget at $75K — San Diego vs Waco
| Expense | San Diego | Waco |
|---|---|---|
| Monthly take-home | $4,159 | $4,741 |
| 1BR rent | $2,600 | $1,000 |
| Groceries | $414 | $350 |
| Transport | $100 | $38 |
| Utilities | $130 | $172 |
| Internet | $65 | $60 |
| Left after essentials | $850 | $3,121 |
Frequently asked questions
Is Waco cheaper than San Diego?
Yes. Waco has a cost of living index of 83 vs 148 for San Diego (100 = US average). That's about 44% cheaper.
How much will I save moving from San Diego to Waco?
On a $75K salary, moving from San Diego to Waco could save roughly $1,689/month on core expenses. That's ~$20,268/year.
What salary do I need in Waco to match my San Diego lifestyle?
To maintain the same purchasing power as $75,000 in San Diego, you'd need roughly $42,061/year in Waco. This is based on the overall COL index difference between the two cities.
Moving from Waco to San DiegoSan Diego vs Waco — full comparisonSan Diego 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