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Cost of Living Comparison 2026

Compare Waco, TX and Broken Arrow, OK using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd save $686/month moving to Broken Arrow, OK

$150.0K in your current city equals $141.8K in Broken Arrow, OK

Rent data from HUD ZIP-level estimates Β· COL index from area
Overall Cost
↓ 9.1%
Less expensive
Monthly Impact
$686
Savings
Annual Impact
$8.2K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Waco, TX

Population:145K
Cost Index:
100
100 = national average
Median Home:$241K

Broken Arrow, OK

Population:119K
Cost Index:
91
(9% below avg)
Median Home:$293K

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Waco, TX

The Lone Star State

145K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 145K residents.

πŸ’‘ Advantage: Texas has no state income tax!

Broken Arrow, OK

The Sooner State

119K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 119K residents.

Cost Breakdown by Category

Annual spending: Waco, TX vs Broken Arrow, OK

Housing
↓ 14.8%
Waco, TX
$1,950
Broken Arrow, OK
$1,661
Difference
$289
less
Healthcare
↓ 17.0%
Waco, TX
$626
Broken Arrow, OK
$519
Difference
$106
less
All Utilities
↓ 13.9%
Waco, TX
$557
Broken Arrow, OK
$480
Difference
$77.67
less
Groceries
↓ 7.5%
Waco, TX
$970
Broken Arrow, OK
$897
Difference
$72.85
less
Transportation
↓ 5.0%
Waco, TX
$1,273
Broken Arrow, OK
$1,210
Difference
$63.25
less
Other
↑ 3.3%
Waco, TX
$1,576
Broken Arrow, OK
$1,629
Difference
$52.67
more

🏠Rent Comparison

Studio
From$709
To$992
↑ $283
1 Bed
From$834
To$1,042
↑ $208
2 Bed
From$1,034
To$1,290
↑ $256
3 Bed
From$1,334
To$1,695
↑ $361
Waco, TXZIP-level data

1BR range: $1,000–$1,160/mo

Broken Arrow, OKZIP-level data

1BR range: $1,150–$1,310/mo

πŸ’‘ Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,952
Monthly in Waco, TX
$6,396
Monthly in Broken Arrow, OK
$556
Difference

Home Values

Waco
Broken Arrow
$241K
Median Value
$293K
↓ -1.1%
YoY Change
↑ +2%
↑ +32.7%
5-Year Change
↑ +34.9%
$137K - $296K
Price Range
$262K - $296K

Homes in Broken Arrow are 21% more expensive than Waco

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $7.3K
More taxes
Monthly Difference
$607
Less take-home
Effective Rate Diff
4.9%
Rate difference

Waco, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Broken Arrow, OK

Federal Income Tax
Effective: 18.9%
$25.5K
Oklahoma State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.5%
$44.3K
Take-Home Pay
$8,809/month
$105.7K

Additional Tax Information

Waco, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Broken Arrow, OK Tax Rates

Sales Tax:8.9%
Property Tax:0.9%

πŸ’‘ Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Waco
Broken Arrow
54 Moderate
Air Quality
51 Moderate
35.5%
Good Air Days
48.4%
99 High
Climate Risk
98 High
🌊🌑πŸŒͺ
Top Hazards
🌊🌑πŸŒͺ
β–²+2.8Β°F
2050 Outlook
β–²+3.0Β°F
90 days
Heat Days >95Β°F
61 days
β–²+2.8Β°F
2050 Outlook
β–²+3.0Β°F
90 days
Heat Days >95Β°F
61 days

What to Consider When Moving from Waco, TX to Broken Arrow, OK

Relocating from Waco, TX to Broken Arrow, OK involves more than just comparing rent prices. While the overall cost of living is about 9% lower in Broken Arrow, OK, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Broken Arrow, OK is 15% cheaper than in Waco, TX. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas β€” not just city averages β€” before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Broken Arrow, OK pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Broken Arrow, OK to match your current standard of living in Waco, TX.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general β€œfeel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Broken Arrow, OK for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Waco, TX vs Broken Arrow, OK

How do the cost estimates for Waco, TX and Broken Arrow, OK compare?

The saved overall index for Broken Arrow, OK is 9.1% lower than for Waco, TX. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Waco, TX, the model estimates $141,768 in Broken Arrow, OK. It assumes 60% of gross income changes with the relative cost index and 40% stays fixed. The monthly difference is the salary difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Waco, TX and Broken Arrow, OK?

The modeled two-bedroom rents are $1,034/month in Waco, TX and $1,290/month in Broken Arrow, OK. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

πŸ’° See how taxes change too β€” compare take-home pay between Texas and Oklahoma on TaxTakeHome.com

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