San Francisco, CA vs Waco, TX
Moving from San Francisco to Waco? Here's what changes — from your equivalent salary to housing ($1,149,215 → $256,772 median home) and taxes.
San Francisco vs Waco at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in San Francisco, CA, you'd need about $77,528 in Waco, TX (−$22,472).
Livability — San Francisco, CA: 35 · Waco, TX: 73 (0–100).
What your home budget buys
A $500,000 home budget gets you about 653 sqft in San Francisco vs 4,088 sqft in Waco ($766 vs $122 per sqft).
Annual cost breakdown (at $100,000)
| Category | San Francisco, CA | Waco, TX | Difference |
|---|---|---|---|
| Housing | $39,096 | $16,848 | −$22,248 |
| Groceries | $5,761 | $4,647 | −$1,114 |
| Transportation | $5,125 | $3,675 | −$1,450 |
| Utilities | $3,804 | $1,836 | −$1,968 |
| Insurance | $1,500 | $3,600 | +$2,100 |
| Taxes | $24,108 | $5,779 | −$18,329 |
| Total | $79,394 | $36,385 | −$43,009 |
Side by side
| Metric | San Francisco, CA | Waco, TX |
|---|---|---|
| Cost-of-living index | 117.6 | 91.1 |
| Unemployment rate | 5.22% | 4.56% |
| Population growth (5-yr) | 1.1% | 5.7% |
| Air quality (median AQI) | 53 | 53 |
| Big Mac price (est.) | $6.69 | $5.19 |
| Median home price | $1,149,215 | $256,772 |
| Home price ÷ income | 8.9× | 4.3× |
| 1-yr home appreciation | -0.8% | -0.8% |
| Price per square foot | $766 | $122 |
| Median rent | $3,258 | $1,404 |
| Total tax burden (% income) | 13.5% | 8.6% |
| Combined sales tax | 8.82% | 8.20% |
| Capital gains tax | 13.30% | None |
| Property tax rate | 0.72% | 1.53% |
| Healthcare (annual) | $7,200 | $6,800 |
| Childcare (annual, infant) | $19,000 | $9,500 |
| Vehicle property tax | 0.65% | None |
| Avg commute (min) | 33 | 21 |
| Home insurance / yr | $1,500 | $3,600 |
| Auto insurance / yr | $2,400 | $2,100 |
| Flood insurance / yr | $750 | $900 |
| Earthquake insurance / yr | $950 | $100 |
| Electricity ¢/kWh | 35.3 | 17.0 |
| Gas $/gal | 4.85 | 3.00 |
| Violent crime /100k | 500 | 430 |
| Avg summer high °F | 84 | 96 |
| Avg winter low °F | 45 | 38 |
| Permit difficulty (1–5) | 5 | 2 |
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