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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $373/month moving to College Station, TX

$150.0K in your current city equals $145.5K in College Station, TX

Rent data from HUD ZIP-level estimates Β· COL index from area
Overall Cost
↓ 5.0%
Less expensive
Monthly Impact
$373
Savings
Annual Impact
$4.5K
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

College Station, TX

Population:125K
Cost Index:
95
(5% below avg)
Median Home:$319K

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!

College Station, TX

The Lone Star State

125K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 125K residents.

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

Cost Breakdown by Category

Annual spending: Waco, TX vs College Station, TX

Housing
↓ 7.2%
Waco, TX
$1,950
College Station, TX
$1,809
Difference
$141
less
Groceries
↓ 10.0%
Waco, TX
$970
College Station, TX
$873
Difference
$96.91
less
Healthcare
↓ 14.0%
Waco, TX
$626
College Station, TX
$538
Difference
$87.60
less
Transportation
↑ 4.5%
Waco, TX
$1,273
College Station, TX
$1,330
Difference
$56.94
more
Other
↑ 2.9%
Waco, TX
$1,576
College Station, TX
$1,622
Difference
$45.68
more
All Utilities
↓ 5.1%
Waco, TX
$557
College Station, TX
$529
Difference
$28.24
less

🏠Rent Comparison

Studio
From$709
To$842
↑ $133
1 Bed
From$834
To$889
↑ $55.00
2 Bed
From$1,034
To$975
↓ $59.00
3 Bed
From$1,334
To$1,357
↑ $23.00
Waco, TXZIP-level data

1BR range: $1,000–$1,160/mo

College Station, TXZIP-level data

1BR range: $1,090–$1,190/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
$6,701
Monthly in College Station, TX
$251
Difference

Home Values

Waco
College Station
$241K
Median Value
$319K
↓ -1.1%
YoY Change
↑ +0.8%
↑ +32.7%
5-Year Change
↑ +28.6%
$137K - $296K
Price Range
$281K - $358K

Homes in College Station are 32% more expensive than Waco

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
β†’ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
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

College Station, 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

Additional Tax Information

Waco, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

College Station, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

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
College Station
54 Moderate
Air Quality
61 Moderate
35.5%
Good Air Days
13.7%
99 High
Climate Risk
100 Very High
🌊🌑πŸŒͺ
Top Hazards
πŸŒŠπŸŒ…πŸŒ€
β–²+2.8Β°F
2050 Outlook
β–²+2.2Β°F
90 days
Heat Days >95Β°F
64 days
β–²+2.8Β°F
2050 Outlook
β–²+2.2Β°F
90 days
Heat Days >95Β°F
64 days

What to Consider When Moving from Waco, TX to College Station, TX

Relocating from Waco, TX to College Station, TX involves more than just comparing rent prices. While the overall cost of living is about 5% lower in College Station, TX, 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 College Station, TX is 7% 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 College Station, TX 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 College Station, TX 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 College Station, TX 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 College Station, TX

Is College Station, TX cheaper than Waco, TX?

Yes, College Station, TX is about 5.0% cheaper than Waco, TX. You could save approximately $373/month on a $150,000 salary. Housing costs are 7% lower in College Station, TX.

What salary do I need in College Station, TX to match my lifestyle in Waco, TX?

If you currently earn $150,000 in Waco, TX, you would need approximately $145,519 in College Station, TX to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Waco, TX and College Station, TX?

A two-bedroom apartment averages $1,034/month in Waco, TX compared to $975/month in College Station, TX. One-bedroom apartments are $834/month in Waco, TX vs $889/month in College Station, TX. These are area-wide medians β€” specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Waco, TX or College Station, TX?

Groceries are about 10% cheaper in College Station, TX than in Waco, TX, saving a typical household roughly $96.91/month on food.

What is the best time to move from Waco, TX to College Station, TX?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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