Moving from Split to Waco (2026)
Waco has a COL index of 83 vs 55 for Split (100 = US average). Expect to pay about 51% more for the same lifestyle.
Pay ~$950 more/mo
on rent + taxes · $75K salary baseline
Change cities
Key differences
COL index
55 → 83
100 = US avg
1BR rent
$700 → $1,000
per month
State tax
20% → None
income tax
COL difference
55 → 83
51% more expensive
Salary needed in Waco to match your Split lifestyle
Based on the 51% cost of living increase between the two cities.
| Your salary in Split | Equivalent in Waco |
|---|---|
| $40K | $60,364 |
| $50K | $75,455 |
| $60K | $90,545 |
| $75K | $113,182 |
| $80K | $120,727 |
| $100K | $150,909 |
| $120K | $181,091 |
| $150K | $226,364 |
Adjust your salary
Pay ~$285/mo moreon core expenses at $75K
Monthly budget at $75K — Split vs Waco
| Expense | Split | Waco |
|---|---|---|
| Monthly take-home | $3,491 | $4,741 |
| 1BR rent | $700 | $1,000 |
| Groceries | $380 | $350 |
| Transport | $150 | $38 |
| Utilities | $80 | $172 |
| Internet | $25 | $60 |
| Left after essentials | $2,156 | $3,121 |
Frequently asked questions
Is Waco cheaper than Split?
No. Waco has a cost of living index of 83 vs 55 for Split (100 = US average). That's about 51% more expensive.
How much will I save moving from Split to Waco?
On a $75K salary, moving from Split to Waco saves roughly $950/month on core expenses. That's ~$11,400/year.
What salary do I need in Waco to match my Split lifestyle?
To maintain the same purchasing power as $75,000 in Split, you'd need roughly $113,182/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