Scottsdale vs Waco
Cost of Living Comparison · 2026
Scottsdale
Waco
The Verdict
Waco is 48.2% less expensive than Scottsdale overall. A household earning $75,000 in Scottsdale would need approximately $50,610 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 Scottsdale has the same purchasing power as $50,610 in Waco.
Conversely, $75,000 in Waco equals $111,145 in Scottsdale.
Living in Scottsdale vs Waco
Housing Costs
Scottsdale's housing index of 162 is higher Waco's 63, translating to median home prices of $580,000 vs $230,000. The $350,000 difference in home prices means roughly $22,752 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,000/mo in Scottsdale compared to $1,050/mo in Waco, a monthly difference of $950.
Grocery & Food Costs
Grocery expenses index at 103 in Scottsdale and 95 in Waco. A household spending the national average of $475/month on groceries would pay approximately $489/month in Scottsdale 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 96 in Scottsdale and 97 in Waco. Monthly utility bills average approximately $384 in Scottsdale vs $388 in Waco. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 95 in Scottsdale and 93 in Waco. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $92,298 in Scottsdale and $49,500 in Waco. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $75,039 and $59,639 respectively. Scottsdale residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,154/month to housing in Scottsdale vs $1,155/month in Waco. In Scottsdale, median rent of $2,000/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 99 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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