Arlington vs Waco
Cost of Living Comparison · 2026
Arlington
Waco
The Verdict
Waco is 97.6% less expensive than Arlington overall. A household earning $75,000 in Arlington would need approximately $37,957 in Waco to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Arlington has the same purchasing power as $37,957 in Waco.
Conversely, $75,000 in Waco equals $148,193 in Arlington.
Living in Arlington vs Waco
Housing Costs
Arlington's housing index of 249 is higher Waco's 63, translating to median home prices of $740,000 vs $230,000. The $510,000 difference in home prices means roughly $33,156 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,350/mo in Arlington compared to $1,050/mo in Waco, a monthly difference of $1,300.
Grocery & Food Costs
Grocery expenses index at 106 in Arlington and 95 in Waco. A household spending the national average of $475/month on groceries would pay approximately $504/month in Arlington vs $451/month in Waco. Waco offers a meaningful advantage on everyday food costs, saving roughly $636/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 102 in Arlington and 97 in Waco. Monthly utility bills average approximately $408 in Arlington vs $388 in Waco. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 117 in Arlington and 93 in Waco. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 24-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $145,000 in Arlington and $49,500 in Waco. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $88,415 and $59,639 respectively. Arlington residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $3,383/month to housing in Arlington vs $1,155/month in Waco. In Arlington, median rent of $2,350/mo fits within this budget. In Waco, median rent of $1,050/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 186 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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