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 $142,280 in New York, NY (+$42,280).
Livability — Waco, TX: 73 · New York, NY: 43 (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 | $5,064 | $6,312 | +$1,248 |
| Insurance | $180 | $180 | +$0 |
| Taxes | $2,870 | $12,290 | +$9,420 |
| Total | $33,284 | $70,127 | +$36,844 |
Effective state & local tax rate on $100,000 — Waco, TX: 2.9% · New York, NY: 12.3% (income + local + sales + property tax where applicable ÷ income)
Assumptions: 500 gal gasoline/yr · $5000 base annual grocery · 35% of income sales-taxable. Renter: housing = median rent, renter's insurance, no property tax.
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 (state avg, Tax Foundation) | 8.6% | 15.9% |
| Combined sales tax | 8.20% | 8.52% |
| Capital gains tax | None | 10.90% |
| Property tax rate | 1.53% | 1.74% |
| Life expectancy at birth | 75.1 yrs | 80.3 yrs |
| Healthcare (annual) | $6,800 | $7,800 |
| Uninsured (share of residents) | 18.6% | 6.9% |
| Primary care providers / 100k | 71 | 84 |
| Childcare (annual, infant) | $9,500 | $17,000 |
| Vehicle property tax | None | None |
| Days per year ≥ 90°F | 104 | 12 |
| Days per year ≥ 100°F | 17 | 0 |
| Homes with air conditioning (state) | 95% | 88% |
| Avg commute (min) | 21 | 36 |
| Commute by driving alone | 79.1% | 45.5% |
| Home insurance / yr | $3,600 | $1,600 |
| Auto insurance / yr | $2,100 | $2,100 |
| FEMA risk index (0–100, higher = more risk) | 84.1 — Relatively Moderate | 96.8 — Relatively High |
| Flood insurance / yr | $900 | $800 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 17.0 | 29.4 |
| Gas $/gal | 3.00 | 3.45 |
| Natural gas / mo | $52 | $98 |
| Water & sewer / mo | $134 | $87 |
| Home internet / mo | $83 | $76 |
| Violent crime /100k (state avg) | 430 | 350 |
| Avg summer high °F | 96 | 83 |
| Avg winter low °F | 38 | 16 |
| Annual precipitation (in) | 36.4 | 49.5 |
| Annual snowfall (in) | 1.0 | 29.8 |
| Sunshine (% possible) | 64% | 58% |
| Permit difficulty (1–5) | 2 | 5 |
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