Last update: Oct 2026

Cost of Living Comparison Between Hertfordshire and Waco, TX

For one person, living costs are similar in Hertfordshire and in Waco, TX: $2,541 and $2,447 a month, rent and utilities included.

122

Cost of Living Index in Hertfordshire
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Hertfordshire Living Index
117

Cost of Living Index in Waco, TX
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Waco, TX Living Index

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Hertfordshire

🇬🇧 United Kingdom

$2,541

/mo nomad

Waco, TX

🇺🇸 United States

$2,447

/mo nomad

Monthly Cost of Living

How much you'll spend in Hertfordshire and in Waco, TX

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Hertfordshire and in Waco, TX actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,541 in Hertfordshire versus $2,447 in Waco, TX.

Hertfordshire $2,541
Waco, TX $2,447

Estimated couple costs with rent: $3,780 in Hertfordshire versus $3,090 in Waco, TX.

Hertfordshire $3,780
Waco, TX $3,090

Monthly costs for a family of three with rent: $5,020 in Hertfordshire versus $3,734 in Waco, TX.

Hertfordshire $5,020
Waco, TX $3,734

Living in Hertfordshire is roughly 4% more expensive than in Waco, TX, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Hertfordshire 90% above, Waco, TX 83% above.

Meal at Budget Restaurant

$26.32 £19.88

$15.21 $15.21

73.04%

Three-Course Dinner for Two, Mid-Range

$79.8 £60.2

$59.0 $59.0

35.15%

Fast Food Meal (McDonalds, etc)

$10.61 £8.01

$12.18 $12.18

-12.89%

Cappuccino

$4.94 £3.73

$5.39 $5.39

-8.35%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.37 £1.79

$1.77 $1.77

33.90%

Water (0.33 liter bottle)

$2.00 £1.51

$1.49 $1.49

34.23%

Local Beer (0.5 liter draught)

$5.56 £4.20

$4.93 $4.93

12.78%

Imported Beer (0.33 liter bottle)

$5.38 £4.06

$5.52 $5.52

-2.54%

Milk (1 liter)

$1.52 £1.15

$0.76 $0.76

100.00%

White Bread (500g)

$1.83 £1.39

$3.16 $3.16

-42.09%

Rice (white) (1kg)

$2.66 £2.01

$2.03 $2.03

31.03%

Eggs

$3.59 £2.71

$2.78 $2.78

29.14%

Local Cheese (1kg)

$7.96 £6.01

$12.06 $12.06

-34.00%

Chicken Fillets (1kg)

$7.27 £5.49

$9.70 $9.70

-25.05%

Beef Round Steak (1kg)

$16.30 £12.31

$11.67 $11.67

39.67%

Apples (1kg)

$3.32 £2.50

$3.83 $3.83

-13.32%

Banana (1kg)

$1.54 £1.16

$1.12 $1.12

37.50%

Oranges (1kg)

$3.02 £2.28

$3.86 $3.86

-21.76%

Tomato (1kg)

$3.49 £2.63

$3.71 $3.71

-5.93%

Potato (1kg)

$1.16 £0.88

$2.27 $2.27

-48.90%

Onion (1kg)

$1.74 £1.32

$2.86 $2.86

-39.16%

Lettuce (1 head)

$1.24 £0.93

$1.76 $1.76

-29.55%

Water (1.5 liter bottle)

$1.58 £1.19

$0.99 $0.99

59.60%

Cigarettes 20 Pack (Marlboro, Camel)

$21.24 £16.05

$8.54 $8.54

148.71%

Wine (Bottle)

$9.89 £7.47

$13.49 $13.49

-26.69%

Local Beer (0.5 liter bottle)

$2.00 £1.51

$1.68 $1.68

19.05%

Imported Beer (0.33 liter bottle)

$2.04 £1.54

$3.81 $3.81

-46.46%

One-way Ticket (Public Transport)

$3.53 £2.67

$1.54 $1.54

129.22%

Public Transport Monthly Pass (Regular Price)

$87.2 £65.8

$40.12 $40.12

117.22%

Taxi Start (Normal Tariff)

$4.07 £3.07

$9.93 $9.93

-59.01%

Taxi (Normal Tariff) (1km)

$3.90 £2.95

$1.90 $1.90

105.26%

Taxi 1hour Waiting (Normal Tariff)

$31.65 £23.90

$59.4 $59.4

-46.74%

Gasoline (1 liter)

$1.98 £1.50

$0.89 $0.89

122.47%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$37.8K £28.5K

$36.2K $36.2K

4.35%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$40.6K £30.7K

$25.0K $25.0K

62.23%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$161 £121

$175 $175

-8.36%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$17.68 £13.35

$40.53 $40.53

-56.38%

Internet (50+ Mbps, Unlimited Data)

$44.41 £33.54

$54.7 $54.7

-18.86%

Gym Membership (Monthly)

$46.26 £34.95

$27.96 $27.96

65.45%

Cinema Ticket

$13.32 £10.06

$9.07 $9.07

46.86%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,565 £1,182

$747 $747

109.60%

International Primary School, 1 Child (Yearly)

$20.2K £15.3K

$18.2K $18.2K

11.22%

Jeans (Levis 501 Or Similar)

$46.38 £35.03

$47.91 $47.91

-3.19%

Summer Dress (H&M, Zara, etc)

$39.51 £29.84

$38.27 $38.27

3.24%

Sport Shoes (Adidas, Nike)

$73.3 £55.4

$85.3 $85.3

-14.02%

Men's Leather Business Shoes

$110 £82.9

$95.4 $95.4

14.99%

1-bedroom Apartment, City Center (Monthly)

$1,752 £1,323

$1,244 $1,244

40.88%

1-bedroom Apartment, Outside City Center (Monthly)

$1,334 £1,008

$1,328 $1,328

0.46%

3-bedroom Apartment, City Center (Monthly)

$2,862 £2,162

$1,541 $1,541

85.75%

3-bedroom Apartment, Outside City Center (Monthly)

$2,352 £1,776

$1,374 $1,374

71.16%

Buy Apartment in City Center (m2)

$4,907 £3,706

$1,970 $1,970

149.15%

Buy Apartment Outside City Center (m2)

$3,922 £2,963

$1,955 $1,955

100.61%

Average Monthly Net Salary (After Tax)

$3,204 £2,420

$3,156 $3,156

1.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.21

6.49

-19.72%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Hertfordshire: October 4, 2026

Last update for Waco, TX: October 6, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Hertfordshire

$1.3K 52.9%

Waco, TX

$1.3K 55% 0.5% $6.1

Eating Out

Hertfordshire

$358 14.2%

Waco, TX

$272 11.3% 24.1% $86

Groceries & Markets

Hertfordshire

$288 11.4%

Waco, TX

$312 12.9% 8.6% $25

Monthly Utilities & Internet

Hertfordshire

$223 8.8%

Waco, TX

$271 11.2% 21.5% $48

Getting Around

Hertfordshire

$125 5%

Waco, TX

$66 2.7% 47.4% $59

Clothing & Footwear

Hertfordshire

$121 4.8%

Waco, TX

$120 5% 0.8% $0.9

Sport & Entertainment

Hertfordshire

$73 2.9%

Waco, TX

$46 1.9% 36.8% $27

Cost Breakdown

A one-bedroom apartment in the center runs $1,752 in Hertfordshire and $1,244 in Waco, TX. Housing cost is often the main lever when comparing two cities.

Hertfordshire pays 2% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $80.0 in Hertfordshire vs $59.0 in Waco, TX. Groceries flip the comparison at $288 vs $312, with Hertfordshire cheaper for home cooking.

Good to know

🇬🇧 Hertfordshire

🇺🇸 Waco, TX

🕒 Local time

15:44 3:44 PM

09:44 9:44 AM

6 h behind Hertfordshire

🌤 Weather

👥 Population

33,990

138,486

💱 Currency

British Pound GBP £

United States Dollar USD $

📈 Exchange rate

1 GBP = 1.32 USD

1 GBP = 1.18 EUR

1 USD = 0.892 EUR

Exchange rates and currency converter

USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 12, 2026: 1 USD = 0.755 GBP (1 GBP = 1.32 USD). 1 EUR = 0.846 GBP (1 GBP = 1.18 EUR).

United States Dollar exchange rates as of October 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to GBP in detail →

On the map

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Between locations

Hertfordshire Waco, TX 7,740 km ≈ 10 h nonstop flight

From you

Hertfordshire
Waco, TX

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Hertfordshire vs Waco, TX: Cost of Living - Frequently Asked Questions

Waco, TX is cheaper overall, especially in eating out, transport, and clothing. The 4% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2% higher in Hertfordshire, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,752 in Hertfordshire versus $1,244 in Waco, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Waco, TX – a meal for two runs $59.0 versus $80.0 in Hertfordshire. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,541 per month in Hertfordshire versus $2,447 in Waco, TX – a 4% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,447 in Waco, TX versus $2,541 in Hertfordshire, a $2,500 budget is realistic in Waco, TX but tight or insufficient in Hertfordshire. The gap between the two cities makes Waco, TX the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Hertfordshire and Waco, TX are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Waco, TX gentler on the wallet – expenses run 4% less than in Hertfordshire. Beyond cost, consider language, visa policies, and how big the international community is in each city.