Rochester vs Waco
Cost of Living Comparison · 2026
Rochester
Waco
The Verdict
Living in Waco costs 13.3% less than Rochester. To match the purchasing power of a $75,000 salary in Rochester, you would need $66,223 in Waco.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Rochester has the same purchasing power as $66,223 in Waco.
Conversely, $75,000 in Waco equals $84,940 in Rochester.
Living in Rochester vs Waco
Housing Costs
Rochester's housing index of 95 is higher Waco's 63, translating to median home prices of $345,000 vs $230,000. The $115,000 difference in home prices means roughly $7,476 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,275/mo in Rochester compared to $1,050/mo in Waco, a monthly difference of $225.
Grocery & Food Costs
Grocery expenses index at 103 in Rochester and 95 in Waco. A household spending the national average of $475/month on groceries would pay approximately $489/month in Rochester vs $451/month in Waco. Waco offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 102 in Rochester and 97 in Waco. Monthly utility bills average approximately $408 in Rochester vs $388 in Waco. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 104 in Rochester and 93 in Waco. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 11-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $91,500 in Rochester and $49,500 in Waco. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $97,340 and $59,639 respectively. Rochester residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,135/month to housing in Rochester vs $1,155/month in Waco. In Rochester, median rent of $1,275/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 32 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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