Cost of Living Comparison Between Waco, TX and Hertfordshire Cost of Living Comparison Between Waco, TX and Hertfordshire

Monthly Cost of Living

Monthly costs for one person with rent: $2,744 in Waco, TX versus $2,492 in Hertfordshire.

Estimated couple costs with rent: $3,748 in Waco, TX versus $3,735 in Hertfordshire.

Monthly costs for a family of three with rent: $4,753 in Waco, TX versus $4,978 in Hertfordshire.

Living in Waco, TX is roughly 10% more expensive than Hertfordshire, driven mainly by Monthly Utilities & Internet.

Both cities are pricier than the global median: Waco, TX 105% above, Hertfordshire 86% above.

Meal at Budget Restaurant

$19.87 $19.87

$27.49 £20.37

-27.72%

Three-Course Dinner for Two, Mid-Range

$62.0 $62.0

$82.8 £61.4

-25.11%

Fast Food Meal (McDonalds, etc)

$10.02 $10.02

$10.89 £8.07

-7.99%

Cappuccino

$5.56 $5.56

$4.62 £3.42

20.35%

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

$2.13 $2.13

$1.95 £1.44

9.23%

Water (0.33 liter bottle)

$1.48 $1.48

$1.65 £1.22

-10.30%

Local Beer (0.5 liter draught)

$5.90 $5.90

$5.37 £3.98

9.87%

Imported Beer (0.33 liter bottle)

$4.95 $4.95

$5.55 £4.11

-10.81%

Milk (1 liter)

$1.02 $1.02

$1.09 £0.81

-6.42%

White Bread (500g)

$2.85 $2.85

$1.55 £1.15

83.87%

Rice (white) (1kg)

$2.60 $2.60

$2.02 £1.50

28.71%

Eggs

$4.40 $4.40

$2.98 £2.21

47.65%

Local Cheese (1kg)

$12.22 $12.22

$10.35 £7.67

18.07%

Chicken Fillets (1kg)

$10.76 $10.76

$7.41 £5.49

45.21%

Beef Round Steak (1kg)

$11.60 $11.60

$17.52 £12.98

-33.79%

Apples (1kg)

$3.86 $3.86

$2.42 £1.79

59.50%

Banana (1kg)

$1.17 $1.17

$2.01 £1.49

-41.79%

Oranges (1kg)

$3.90 $3.90

$3.20 £2.37

21.87%

Tomato (1kg)

$3.74 $3.74

$2.63 £1.95

42.21%

Potato (1kg)

$2.86 $2.86

$0.94 £0.69

204.26%

Onion (1kg)

$2.72 $2.72

$1.77 £1.31

53.67%

Lettuce (1 head)

$1.59 $1.59

$1.31 £0.97

21.37%

Water (1.5 liter bottle)

$1.79 $1.79

$1.77 £1.31

1.13%

Cigarettes 20 Pack (Marlboro, Camel)

$7.85 $7.85

$16.29 £12.07

-51.81%

Wine (Bottle)

$13.56 $13.56

$11.69 £8.66

16.00%

Local Beer (0.5 liter bottle)

$1.72 $1.72

$2.02 £1.50

-14.85%

Imported Beer (0.33 liter bottle)

$3.44 $3.44

$2.06 £1.53

66.99%

One-way Ticket (Public Transport)

$1.51 $1.51

$3.33 £2.47

-54.65%

Public Transport Monthly Pass (Regular Price)

$39.98 $39.98

$88.4 £65.5

-54.75%

Taxi Start (Normal Tariff)

$4.51 $4.51

$4.51 £3.34

Taxi (Normal Tariff) (1km)

$1.83 $1.83

$1.69 £1.25

8.28%

Taxi 1hour Waiting (Normal Tariff)

$35.35 $35.35

$23.51 £17.42

50.36%

Gasoline (1 liter)

$0.73 $0.73

$1.91 £1.41

-61.78%

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

$25.9K $25.9K

$38.6K £28.6K

-32.95%

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

$26.1K $26.1K

$41.3K £30.6K

-36.75%

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

$172 $172

$166 £123

3.87%

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

$60.1 $60.1

$17.35 £12.86

246.51%

Internet (50+ Mbps, Unlimited Data)

$65.7 $65.7

$35.49 £26.30

85.24%

Gym Membership (Monthly)

$27.12 $27.12

$45.01 £33.35

-39.75%

Cinema Ticket

$9.74 $9.74

$11.99 £8.88

-18.77%

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

$866 $866

$1,757 £1,302

-50.72%

International Primary School, 1 Child (Yearly)

$22.1K $22.1K

$18.1K £13.4K

22.38%

Jeans (Levis 501 Or Similar)

$52.2 $52.2

$47.21 £34.98

10.49%

Summer Dress (H&M, Zara, etc)

$46.56 $46.56

$54.9 £40.71

-15.25%

Sport Shoes (Adidas, Nike)

$79.6 $79.6

$70.8 £52.5

12.39%

Men's Leather Business Shoes

$117 $117

$89.0 £66.0

31.03%

1-bedroom Apartment, City Center (Monthly)

$1,198 $1,198

$1,825 £1,352

-34.35%

1-bedroom Apartment, Outside City Center (Monthly)

$1,574 $1,574

$1,367 £1,013

15.21%

3-bedroom Apartment, City Center (Monthly)

$2,421 $2,421

$2,907 £2,154

-16.72%

3-bedroom Apartment, Outside City Center (Monthly)

$2,222 $2,222

$2,391 £1,772

-7.10%

Buy Apartment in City Center (m2)

$1,935 $1,935

Buy Apartment Outside City Center (m2)

$1,940 $1,940

Average Monthly Net Salary (After Tax)

$3,273 $3,273

$3,319 £2,459

-1.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.45

5.93

8.77%

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

Last update for Waco, TX: April 22, 2026

Last update for Hertfordshire: April 20, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,198 in Waco, TX and $1,825 in Hertfordshire. Housing cost is often the main lever when comparing two cities.

Hertfordshire pays 1% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $62 in Waco, TX vs $83 in Hertfordshire. Groceries flip the comparison at $337 vs $288, with Hertfordshire cheaper for home cooking.

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

Hertfordshire is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Monthly Utilities & Internet. The 10% gap adds up to real monthly savings that compound significantly over time.

On paper, Hertfordshire earns 1% less. 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: $1,198 in Waco, TX versus $1,825 in Hertfordshire. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Hertfordshire – a meal for two runs $83.0 versus $62.0 in Waco, TX. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,744 per month in Waco, TX versus $2,492 in Hertfordshire – a 10% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,492 in Hertfordshire versus $2,744 in Waco, TX, a $2,500 budget is realistic in Hertfordshire but tight or insufficient in Waco, TX. The gap between the two cities makes Hertfordshire 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 Hertfordshire gentler on the wallet – expenses run 10% less than in Waco, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.