Overall
- Waco
- 92.5
Diff -23.1 RPP
San Francisco-Oakland-Fremont vs Waco
Cost of living comparison based on BEA Regional Price Parities. Waco is 19.9% less expensive than San Francisco-Oakland-Fremont.
19.9% less expensive
Waco, TX is 19.9% less expensive than San Francisco-Oakland-Fremont, CA on BEA Regional Price Parities (overall RPP 92.5 vs 115.6). A $100,000 salary in San Francisco-Oakland-Fremont buys about the same as $80,052 in Waco; the largest component gap is rents.
- Overall RPP 115.6 (San Francisco-Oakland-Fremont) vs 92.5 (Waco)
- $100k in San Francisco-Oakland-Fremont ≈ $80,052 purchasing power in Waco
- Rents drives the gap (-111.2 RPP points)
RPP parity plate
Pair CA:TX 115.6→92.5
TIER-GAP · CROSS-STATE · RENT-LED · BENCH-CROSS · PP-STEEP
- TIER-GAP Clear tier gap
- CROSS-STATE CA × TX
- RENT-LED Rent-led gap
- BENCH-CROSS Benchmark cross
- PP-STEEP Steep PP convert
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Salary Equivalents
What a salary in San Francisco-Oakland-Fremont would need to be in Waco for the same purchasing power:
| In San Francisco-Oakland-Fremont | In Waco | Difference |
|---|---|---|
| $50,000 | $40,026 | $-9,974 |
| $75,000 | $60,039 | $-14,961 |
| $100,000 | $80,052 | $-19,948 |
| $150,000 | $120,077 | $-29,923 |
$ in San Francisco-Oakland-Fremont = in Waco
Same BEA Regional Price Parity ratio as the table above (115.6 → 92.5), computed live from your number, nothing is sent anywhere.
What This Comparison Actually Tells You
San Francisco-Oakland-Fremont, CA and Waco, TX sit in clearly different price tiers, separated by 23.1 RPP points. At this distance, treating the same nominal salary as equivalent would materially change purchasing power.
This route crosses the national benchmark: San Francisco-Oakland-Fremont is above 100 while Waco is below it. That makes the move a change of price regime, not merely a rank swap.
Rents leads the difference, with Waco 111.2 points lower than San Francisco-Oakland-Fremont. Goods, services, and rents all point in the same broad direction, making the headline comparison more transferable across household types.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
For a housing-sensitive move, validate the rent gap first: HUD Fair Market Rent and the actual unit size can overturn what the blended index implies. On the BEA ratio alone, $100,000 in San Francisco-Oakland-Fremont corresponds to $80,052 in Waco.
Category Breakdown
Goods
- Waco
- 93.8
Diff -14.7 RPP
Services
- Waco
- 81.0
Diff -91.6 RPP
Rents
- Waco
- 83.5
Diff -111.2 RPP
| Category | San Francisco-Oakland-Fremont | Waco | Difference |
|---|---|---|---|
| Overall | 115.6 | 92.5 | -23.1 |
| Goods | 108.5 | 93.8 | -14.7 |
| Services | 172.6 | 81.0 | -91.6 |
| Rents | 194.7 | 83.5 | -111.2 |
Visual Comparison
Overall
San Francisco-Oakland-Fremont 115.6
Waco 92.5
Goods
San Francisco-Oakland-Fremont 108.5
Waco 93.8
Services
San Francisco-Oakland-Fremont 172.6
Waco 81.0
Rents
San Francisco-Oakland-Fremont 194.7
Waco 83.5
Vertical line = national average (100)
San Francisco-Oakland-Fremont
115.6
Cost Index
Waco
92.5
Cost Index
Frequently Asked Questions
Is Waco more expensive than San Francisco-Oakland-Fremont?
Waco is 19.9% less expensive than San Francisco-Oakland-Fremont. The overall cost index is 92.5 vs 115.6 (national average = 100).
What salary in Waco equals $100K in San Francisco-Oakland-Fremont?
A $100,000 salary in San Francisco-Oakland-Fremont has the same purchasing power as $80,052 in Waco. This is based on the BEA Regional Price Parity indexes.
How do rents compare between San Francisco-Oakland-Fremont and Waco?
Rents in San Francisco-Oakland-Fremont are indexed at 194.7 while Waco is at 83.5 (national average = 100). San Francisco-Oakland-Fremont has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.