Monthly Budget in Waco for a Family of Four
What it costs two adults, two children to live in Waco, TX in 2026.
$3,956
Total Monthly
$8,791
Salary Needed
82
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (3BR apartment) | $1,476 |
| Essential | Groceries & household supplies | $96 |
| Essential | Utilities (electric, gas, water) | $34 |
| Essential | Transportation (gas, transit, maintenance) | $73 |
| Essential | Car insurance | $324 |
| Essential | Health insurance (family plan) | $137 |
| Lifestyle | Internet & streaming | $61 |
| Lifestyle | Phone plan (4 lines) | $238 |
| Lifestyle | Dining out & takeout | $287 |
| Lifestyle | Entertainment & recreation | $246 |
| Essential | Childcare (2 children) | $984 |
| Essentials Subtotal | $3,124 | |
| Lifestyle Subtotal | $832 | |
| Total Monthly Budget | $3,956 |
💡 Salary Needed: To live in Waco as two adults, two children with a 20% savings margin, you need approximately $8,791/year before taxes.Check affordability →