Waco, TX vs New York, NY
Moving from Waco to New York? Here's what changes — from your equivalent salary to housing ($256,772 → $727,625 median home) and taxes.
Waco vs New York 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 Waco, TX, you'd need about $123,602 in New York, NY (+$23,602).
Livability — Waco, TX: 73 · New York, NY: 44 (0–100).
What your home budget buys
A $500,000 home budget gets you about 4,088 sqft in Waco vs 1,099 sqft in New York ($122 vs $455 per sqft).
Annual cost breakdown (at $100,000)
| Category | Waco, TX | New York, NY | Difference |
|---|---|---|---|
| Housing | $16,848 | $42,036 | +$25,188 |
| Groceries | $4,647 | $5,415 | +$768 |
| Transportation | $3,675 | $3,895 | +$220 |
| Utilities | $1,836 | $3,180 | +$1,344 |
| Insurance | $3,600 | $1,600 | −$2,000 |
| Taxes | $5,779 | $23,496 | +$17,717 |
| Total | $36,385 | $79,622 | +$43,237 |
Side by side
| Metric | Waco, TX | New York, NY |
|---|---|---|
| Cost-of-living index | 91.1 | 112.6 |
| Unemployment rate | 4.56% | 6.55% |
| Population growth (5-yr) | 5.7% | -1.4% |
| Air quality (median AQI) | 53 | 52 |
| Big Mac price (est.) | $5.19 | $6.41 |
| Median home price | $256,772 | $727,625 |
| Home price ÷ income | 4.3× | 7.8× |
| 1-yr home appreciation | -0.8% | 4.1% |
| Price per square foot | $122 | $455 |
| Median rent | $1,404 | $3,503 |
| Total tax burden (% income) | 8.6% | 15.9% |
| Combined sales tax | 8.20% | 8.52% |
| Capital gains tax | None | 10.90% |
| Property tax rate | 1.53% | 1.74% |
| Healthcare (annual) | $6,800 | $7,800 |
| Childcare (annual, infant) | $9,500 | $17,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 21 | 36 |
| Home insurance / yr | $3,600 | $1,600 |
| Auto insurance / yr | $2,100 | $2,100 |
| Flood insurance / yr | $900 | $800 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 17.0 | 29.4 |
| Gas $/gal | 3.00 | 3.45 |
| Violent crime /100k | 430 | 350 |
| Avg summer high °F | 96 | 83 |
| Avg winter low °F | 38 | 16 |
| Permit difficulty (1–5) | 2 | 5 |