Moving from Toledo to Waco (2026)
Waco has a COL index of 83 vs 81 for Toledo (100 = US average). Expect to pay about 2% more for the same lifestyle.
Pay ~$269 more/mo
on rent + taxes · $75K salary baseline
Change cities
Key differences
COL index
81 → 83
100 = US avg
1BR rent
$1,050 → $1,000
per month
State tax
3.5% → None
income tax
COL difference
81 → 83
2% more expensive
Salary needed in Waco to match your Toledo lifestyle
Based on the 2% cost of living increase between the two cities.
| Your salary in Toledo | Equivalent in Waco |
|---|---|
| $40K | $40,988 |
| $50K | $51,235 |
| $60K | $61,481 |
| $75K | $76,852 |
| $80K | $81,975 |
| $100K | $102,469 |
| $120K | $122,963 |
| $150K | $153,704 |
💵 Household income (before tax)
$75K
$
$30K$300K
Save ~$63/moon core expenses at $75K
Monthly budget at $75K — Toledo vs Waco
| Expense | Toledo | Waco |
|---|---|---|
| Monthly take-home | $4,522 | $4,741 |
| 1BR rent | $1,050 | $1,000 |
| Groceries | $357 | $350 |
| Transport | $58 | $38 |
| Utilities | $160 | $172 |
| Internet | $58 | $60 |
| Left after essentials | $2,839 | $3,121 |
Frequently asked questions
Is Waco cheaper than Toledo?
No. Waco has a cost of living index of 83 vs 81 for Toledo (100 = US average). That's about 2% more expensive.
How much will I save moving from Toledo to Waco?
On a $75K salary, moving from Toledo to Waco saves roughly $269/month on core expenses. That's ~$3,228/year.
What salary do I need in Waco to match my Toledo lifestyle?
To maintain the same purchasing power as $75,000 in Toledo, you'd need roughly $76,852/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