Last update: Oct 2026

Cost of Living Comparison Between Waco, TX and Hertfordshire

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

117

Cost of Living Index in Waco, TX
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Waco, TX Living Index
122

Cost of Living Index in Hertfordshire
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Hertfordshire Living Index

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Waco, TX

🇺🇸 United States

$2,447

/mo nomad

Hertfordshire

🇬🇧 United Kingdom

$2,541

/mo nomad

Monthly Cost of Living

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

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

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

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

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

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

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

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

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

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

Meal at Budget Restaurant

$15.21 $15.21

$26.32 £19.88

-42.21%

Three-Course Dinner for Two, Mid-Range

$59.0 $59.0

$79.8 £60.2

-26.01%

Fast Food Meal (McDonalds, etc)

$12.18 $12.18

$10.61 £8.01

14.80%

Cappuccino

$5.39 $5.39

$4.94 £3.73

9.11%

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

$1.77 $1.77

$2.37 £1.79

-25.32%

Water (0.33 liter bottle)

$1.49 $1.49

$2.00 £1.51

-25.50%

Local Beer (0.5 liter draught)

$4.93 $4.93

$5.56 £4.20

-11.33%

Imported Beer (0.33 liter bottle)

$5.52 $5.52

$5.38 £4.06

2.60%

Milk (1 liter)

$0.76 $0.76

$1.52 £1.15

-50.00%

White Bread (500g)

$3.16 $3.16

$1.83 £1.39

72.68%

Rice (white) (1kg)

$2.03 $2.03

$2.66 £2.01

-23.68%

Eggs

$2.78 $2.78

$3.59 £2.71

-22.56%

Local Cheese (1kg)

$12.06 $12.06

$7.96 £6.01

51.51%

Chicken Fillets (1kg)

$9.70 $9.70

$7.27 £5.49

33.43%

Beef Round Steak (1kg)

$11.67 $11.67

$16.30 £12.31

-28.40%

Apples (1kg)

$3.83 $3.83

$3.32 £2.50

15.36%

Banana (1kg)

$1.12 $1.12

$1.54 £1.16

-27.27%

Oranges (1kg)

$3.86 $3.86

$3.02 £2.28

27.81%

Tomato (1kg)

$3.71 $3.71

$3.49 £2.63

6.30%

Potato (1kg)

$2.27 $2.27

$1.16 £0.88

95.69%

Onion (1kg)

$2.86 $2.86

$1.74 £1.32

64.37%

Lettuce (1 head)

$1.76 $1.76

$1.24 £0.93

41.94%

Water (1.5 liter bottle)

$0.99 $0.99

$1.58 £1.19

-37.34%

Cigarettes 20 Pack (Marlboro, Camel)

$8.54 $8.54

$21.24 £16.05

-59.79%

Wine (Bottle)

$13.49 $13.49

$9.89 £7.47

36.40%

Local Beer (0.5 liter bottle)

$1.68 $1.68

$2.00 £1.51

-16.00%

Imported Beer (0.33 liter bottle)

$3.81 $3.81

$2.04 £1.54

86.76%

One-way Ticket (Public Transport)

$1.54 $1.54

$3.53 £2.67

-56.37%

Public Transport Monthly Pass (Regular Price)

$40.12 $40.12

$87.2 £65.8

-53.96%

Taxi Start (Normal Tariff)

$9.93 $9.93

$4.07 £3.07

143.98%

Taxi (Normal Tariff) (1km)

$1.90 $1.90

$3.90 £2.95

-51.28%

Taxi 1hour Waiting (Normal Tariff)

$59.4 $59.4

$31.65 £23.90

87.74%

Gasoline (1 liter)

$0.89 $0.89

$1.98 £1.50

-55.05%

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

$36.2K $36.2K

$37.8K £28.5K

-4.17%

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

$25.0K $25.0K

$40.6K £30.7K

-38.36%

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

$175 $175

$161 £121

9.12%

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

$40.53 $40.53

$17.68 £13.35

129.24%

Internet (50+ Mbps, Unlimited Data)

$54.7 $54.7

$44.41 £33.54

23.24%

Gym Membership (Monthly)

$27.96 $27.96

$46.26 £34.95

-39.56%

Cinema Ticket

$9.07 $9.07

$13.32 £10.06

-31.91%

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

$747 $747

$1,565 £1,182

-52.29%

International Primary School, 1 Child (Yearly)

$18.2K $18.2K

$20.2K £15.3K

-10.09%

Jeans (Levis 501 Or Similar)

$47.91 $47.91

$46.38 £35.03

3.30%

Summer Dress (H&M, Zara, etc)

$38.27 $38.27

$39.51 £29.84

-3.14%

Sport Shoes (Adidas, Nike)

$85.3 $85.3

$73.3 £55.4

16.31%

Men's Leather Business Shoes

$95.4 $95.4

$110 £82.9

-13.03%

1-bedroom Apartment, City Center (Monthly)

$1,244 $1,244

$1,752 £1,323

-29.02%

1-bedroom Apartment, Outside City Center (Monthly)

$1,328 $1,328

$1,334 £1,008

-0.46%

3-bedroom Apartment, City Center (Monthly)

$1,541 $1,541

$2,862 £2,162

-46.16%

3-bedroom Apartment, Outside City Center (Monthly)

$1,374 $1,374

$2,352 £1,776

-41.58%

Buy Apartment in City Center (m2)

$1,970 $1,970

$4,907 £3,706

-59.86%

Buy Apartment Outside City Center (m2)

$1,955 $1,955

$3,922 £2,963

-50.15%

Average Monthly Net Salary (After Tax)

$3,156 $3,156

$3,204 £2,420

-1.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.49

5.21

24.57%

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

Last update for Waco, TX: October 6, 2026

Last update for Hertfordshire: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Waco, TX

$1.3K 55%

Hertfordshire

$1.3K 52.9% 0.5% $6.1

Groceries & Markets

Waco, TX

$312 12.9%

Hertfordshire

$288 11.4% 7.9% $25

Eating Out

Waco, TX

$272 11.3%

Hertfordshire

$358 14.2% 31.7% $86

Monthly Utilities & Internet

Waco, TX

$271 11.2%

Hertfordshire

$223 8.8% 17.7% $48

Clothing & Footwear

Waco, TX

$120 5%

Hertfordshire

$121 4.8% 0.8% $0.9

Getting Around

Waco, TX

$66 2.7%

Hertfordshire

$125 5% 90% $59

Sport & Entertainment

Waco, TX

$46 1.9%

Hertfordshire

$73 2.9% 58.2% $27

Cost Breakdown

A one-bedroom apartment in the center runs $1,244 in Waco, TX and $1,752 in Hertfordshire. 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: $59.0 in Waco, TX vs $80.0 in Hertfordshire. Groceries flip the comparison at $312 vs $288, with Hertfordshire cheaper for home cooking.

Good to know

🇺🇸 Waco, TX

🇬🇧 Hertfordshire

🕒 Local time

08:54 8:54 AM

14:54 2:54 PM

6 h ahead of Waco, TX

🌤 Weather

👥 Population

138,486

33,990

💱 Currency

United States Dollar USD $

British Pound GBP £

📈 Exchange rate

1 USD = 0.892 EUR

1 GBP = 1.32 USD

1 GBP = 1.18 EUR

Exchange rates and currency converter

GBP, EUR to USD – United States Dollar Converter

🇬🇧 British Pound (£)

🇺🇸 United States Dollar ($)

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

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).

GBP to USD in detail →

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

From you

Waco, TX
Hertfordshire

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

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

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

On paper, salaries run 2% lower in Hertfordshire. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,244 in Waco, TX versus $1,752 in Hertfordshire. 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 $2,447 per month in Waco, TX versus $2,541 in Hertfordshire – 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, Waco, TX and Hertfordshire 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.