Cost Of Living in Waco, NC

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14%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

44%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Waco	North Carolina	National
Cost of living	86	96	100
Groceries	99	100	100
Health care	99	99	100
Housing	56	88	100
Transportation	98	99	100
Utilities	103	99	100
Lifestyle & Entertainment	97	100	100
Household Items	101	100	100
Education & Childcare	94	100	100

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Cost Of Living Quick Facts

The cost of living in Waco is 10% lower than the North Carolina average
The cost of living in Waco is 14% lower than the national average
Waco housing is 44% lower than the national average
North Carolina general sales tax is 7% lower than the national average
North Carolina state income tax is 83% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$71,007	$5,917	$1,657	$2,130
Renters	$21,162	$1,764	$494	$635

North Carolina Sales Tax

State	General Sales Tax	With Max Surtax
North Carolina	4.75%	7.5%

North Carolina Income Tax

State	Income Tax (Low)	Income Tax (High)
North Carolina	4.75%	4.75%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Dellview, NC	26	99	1.3%
Light Oak, NC	905	81	19.3%
Lawndale, NC	729	83	17.4%
Casar, NC	368	83	17.3%
Patterson Springs, NC	1,042	84	16.0%
Waco, NC	301	86	14.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
San Miguel, AZ	301	102	2.2%
Clear Creek, CA	301	112	12.5%
Iron Horse, CA	301	109	8.6%
Tall Timber, CO	301	221	121.3%
Holland, IA	301	81	19.4%
Waco, NC	301	86	14.1%