Moving from Waco to Toledo (2026)
Toledo has a COL index of 81 vs 83 for Waco (100 = US average). You'd pay about 2% less for the same lifestyle.
Save ~$63/mo
on core expenses · $75K salary baseline
Key differences
COL index
8381
100 = US avg
1BR rent
$1,000$1,050
per month
State tax
None3.5%
income tax
Take-home at $75K
$4,741$4,522
per month
Salary needed in Toledo to match your Waco lifestyle
Based on the 2% cost of living decrease between the two cities.
| Your salary in Waco | Equivalent in Toledo |
|---|---|
| $40K | $39,036 |
| $50K | $48,795 |
| $60K | $58,554 |
| $75K | $73,193 |
| $80K | $78,072 |
| $100K | $97,590 |
| $120K | $117,108 |
| $150K | $146,386 |
Monthly budget at $75K — Waco vs Toledo
| Expense | Waco | Toledo |
|---|---|---|
| Monthly take-home | $4,741 | $4,522 |
| 1BR rent | $1,000 | $1,050 |
| Groceries | $350 | $357 |
| Transport | $38 | $58 |
| Utilities | $172 | $160 |
| Internet | $60 | $58 |
| Left after essentials | $3,121 | $2,839 |
Frequently asked questions
Is Toledo cheaper than Waco?
Yes. Toledo has a cost of living index of 81 vs 83 for Waco (100 = US average). That's about 2% cheaper.
How much will I save moving from Waco to Toledo?
On a $75K salary, core expenses in Toledo run about $63/month more than Waco. Factor this into your salary negotiation when relocating.
What salary do I need in Toledo to match my Waco lifestyle?
To maintain the same purchasing power as $75,000 in Waco, you'd need roughly $73,193/year in Toledo. 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