Bellevue vs Waco
Cost of Living Comparison · 2026
Bellevue
Waco
The Verdict
Living in Waco costs 90.4% less than Bellevue. To match the purchasing power of a $75,000 salary in Bellevue, you would need $39,399 in Waco.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Bellevue has the same purchasing power as $39,399 in Waco.
Conversely, $75,000 in Waco equals $142,771 in Bellevue.
Living in Bellevue vs Waco
Housing Costs
Bellevue's housing index of 249 is higher Waco's 63, translating to median home prices of $1.3M vs $230,000. The $1.1M difference in home prices means roughly $69,612 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,525/mo in Bellevue compared to $1,050/mo in Waco, a monthly difference of $1,475.
Grocery & Food Costs
Grocery expenses index at 111 in Bellevue and 95 in Waco. A household spending the national average of $475/month on groceries would pay approximately $527/month in Bellevue vs $451/month in Waco. Waco offers a meaningful advantage on everyday food costs, saving roughly $912/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 100 in Bellevue and 97 in Waco. Monthly utility bills average approximately $400 in Bellevue vs $388 in Waco. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 120 in Bellevue and 93 in Waco. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 27-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $169,200 in Bellevue and $49,500 in Waco. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $107,089 and $59,639 respectively. Bellevue residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $3,948/month to housing in Bellevue vs $1,155/month in Waco. In Bellevue, median rent of $2,525/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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