Moving from San Francisco to Waco (2026)
Waco has a COL index of 83 vs 194 for San Francisco (100 = US average). You'd pay about 57% less for the same lifestyle.
Key differences
Salary needed in Waco to match your San Francisco lifestyle
Based on the 57% cost of living decrease between the two cities.
| Your salary in San Francisco | Equivalent in Waco |
|---|---|
| $40K | $17,113 |
| $50K | $21,392 |
| $60K | $25,670 |
| $75K | $32,088 |
| $80K | $34,227 |
| $100K | $42,784 |
| $120K | $51,340 |
| $150K | $64,175 |
Monthly budget at $75K — San Francisco vs Waco
| Expense | San Francisco | Waco |
|---|---|---|
| Monthly take-home | $4,159 | $4,741 |
| 1BR rent | $3,600 | $1,000 |
| Groceries | $448 | $350 |
| Transport | $100 | $38 |
| Utilities | $160 | $172 |
| Internet | $70 | $60 |
| Left after essentials | $-219 | $3,121 |
Frequently asked questions
Is Waco cheaper than San Francisco?
Yes. Waco has a cost of living index of 83 vs 194 for San Francisco (100 = US average). That's about 57% cheaper.
How much will I save moving from San Francisco to Waco?
On a $75K salary, moving from San Francisco to Waco could save roughly $2,758/month on core expenses. That's ~$33,096/year.
What salary do I need in Waco to match my San Francisco lifestyle?
To maintain the same purchasing power as $75,000 in San Francisco, you'd need roughly $32,088/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