Brooklyn vs Waco
Cost of Living Comparison · 2026
Brooklyn
Waco
The Verdict
Waco is 134.9% less expensive than Brooklyn overall. A household earning $75,000 in Brooklyn would need approximately $31,923 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 Brooklyn has the same purchasing power as $31,923 in Waco.
Conversely, $75,000 in Waco equals $176,205 in Brooklyn.
Living in Brooklyn vs Waco
Housing Costs
Brooklyn's housing index of 325 is higher Waco's 63, translating to median home prices of $780,000 vs $230,000. The $550,000 difference in home prices means roughly $35,748 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,900/mo in Brooklyn compared to $1,050/mo in Waco, a monthly difference of $1,850.
Grocery & Food Costs
Grocery expenses index at 108 in Brooklyn and 95 in Waco. A household spending the national average of $475/month on groceries would pay approximately $513/month in Brooklyn vs $451/month in Waco. Waco offers a meaningful advantage on everyday food costs, saving roughly $744/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 135 in Brooklyn and 97 in Waco. Monthly utility bills average approximately $540 in Brooklyn vs $388 in Waco. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 108 in Brooklyn and 93 in Waco. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 15-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $65,294 in Brooklyn and $49,500 in Waco. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $33,484 and $59,639 respectively. Waco residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,524/month to housing in Brooklyn vs $1,155/month in Waco. In Brooklyn, median rent of $2,900/mo exceeds this threshold, suggesting renters may feel stretched. 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 262 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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