Fort Collins CO vs Waco TX — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Fort Collins, CO
Colorado · Population: 169,705
- Median HH Income$83,598
- Median Home Price$568,389
- Unemployment5.2%
- Bachelor's+59.9%
Waco, TX
Texas · Population: 141,925
- Median HH Income$51,468
- Median Home Price$196,465
- Unemployment4.4%
- Bachelor's+28.6%
Detailed Comparison
Demographics
Population
Fort Collins
169,705
Fort Collins +
Waco
141,925
Pop. Density / sq mi
Lower = more space
Fort Collins
N/A
Waco
N/A
Median Age
Fort Collins
30.6
Waco
29.2
Waco +
Foreign Born
Fort Collins
6.6%
Waco
9.8%
Waco +
White
Fort Collins
81.7%
Fort Collins +
Waco
54.0%
Black
Fort Collins
1.4%
Waco
20.4%
Waco +
Asian
Fort Collins
3.4%
Fort Collins +
Waco
2.0%
Hispanic
Fort Collins
12.3%
Waco
29.9%
Waco +
Spanish at Home
Fort Collins
N/A
Waco
N/A
| Metric | Fort Collins, CO | Waco, TX | Better |
|---|---|---|---|
| Population | 169,705 | 141,925 | Fort Collins + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 30.6 | 29.2 | Waco + |
| Foreign Born | 6.6% | 9.8% | Waco + |
| White | 81.7% | 54.0% | Fort Collins + |
| Black | 1.4% | 20.4% | Waco + |
| Asian | 3.4% | 2.0% | Fort Collins + |
| Hispanic | 12.3% | 29.9% | Waco + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Fort Collins
$83,598
Fort Collins +
Waco
$51,468
Per Capita Income
Fort Collins
$46,341
Fort Collins +
Waco
$28,819
Per Capita Personal Income (MSA)
BEA MSA-level
Fort Collins
$76,653
Fort Collins +
Waco
$63,758
Unemployment Rate
Fort Collins
5.2%
Waco
4.4%
Waco +
Poverty Rate
Fort Collins
16.0%
Fort Collins +
Waco
24.0%
Bachelor's Degree+
Fort Collins
59.9%
Fort Collins +
Waco
28.6%
| Metric | Fort Collins, CO | Waco, TX | Better |
|---|---|---|---|
| Median HH Income | $83,598 | $51,468 | Fort Collins + |
| Per Capita Income | $46,341 | $28,819 | Fort Collins + |
| Per Capita Personal Income (MSA)BEA MSA-level | $76,653 | $63,758 | Fort Collins + |
| Unemployment Rate | 5.2% | 4.4% | Waco + |
| Poverty Rate | 16.0% | 24.0% | Fort Collins + |
| Bachelor's Degree+ | 59.9% | 28.6% | Fort Collins + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Fort Collins
$568,389
Waco
$196,465
Waco +
Homeownership Rate
Fort Collins
52.1%
Fort Collins +
Waco
48.9%
| Metric | Fort Collins, CO | Waco, TX | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $568,389 | $196,465 | Waco + |
| Homeownership Rate | 52.1% | 48.9% | Fort Collins + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Fort Collins
512
Waco
442
Waco +
Property Crime / 100K
FBI CDE (state-level est.)
Fort Collins
3234
Waco
2339
Waco +
| Metric | Fort Collins, CO | Waco, TX | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 512 | 442 | Waco + |
| Property Crime / 100KFBI CDE (state-level est.) | 3234 | 2339 | Waco + |
Health
Obesity Rate
CDC PLACES
Fort Collins
23.8%
Fort Collins +
Waco
36.8%
Diabetes Rate
CDC PLACES
Fort Collins
6.2%
Fort Collins +
Waco
13.0%
Poor Mental Health
CDC PLACES — 14+ days/month
Fort Collins
18.7%
Fort Collins +
Waco
20.4%
No Health Insurance
CDC PLACES
Fort Collins
9.4%
Fort Collins +
Waco
20.4%
Binge Drinking
CDC PLACES
Fort Collins
20.3%
Waco
16.2%
Waco +
Current Smokers
CDC PLACES
Fort Collins
9.9%
Fort Collins +
Waco
15.1%
| Metric | Fort Collins, CO | Waco, TX | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 23.8% | 36.8% | Fort Collins + |
| Diabetes RateCDC PLACES | 6.2% | 13.0% | Fort Collins + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 18.7% | 20.4% | Fort Collins + |
| No Health InsuranceCDC PLACES | 9.4% | 20.4% | Fort Collins + |
| Binge DrinkingCDC PLACES | 20.3% | 16.2% | Waco + |
| Current SmokersCDC PLACES | 9.9% | 15.1% | Fort Collins + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Fort Collins
50.3°F
Fort Collins +
Waco
66.6°F
Annual Precipitation
NOAA 1991–2020 normal
Fort Collins
16.1 in
Fort Collins +
Waco
36.4 in
| Metric | Fort Collins, CO | Waco, TX | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 50.3°F | 66.6°F | Fort Collins + |
| Annual PrecipitationNOAA 1991–2020 normal | 16.1 in | 36.4 in | Fort Collins + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Fort Collins
6.2 µg/m³
Fort Collins +
Waco
9.2 µg/m³
Good Air Days
AQI ≤ 50
Fort Collins
75.0%
Fort Collins +
Waco
55.0%
| Metric | Fort Collins, CO | Waco, TX | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 6.2 µg/m³ | 9.2 µg/m³ | Fort Collins + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Fort Collins + |
Commute
Mean Commute Time
Census ACS
Fort Collins
21.8 min
Waco
19.7 min
Waco +
| Metric | Fort Collins, CO | Waco, TX | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 21.8 min | 19.7 min | Waco + |
Which City is Right for You?
Fort Collins leads in median household income at $83,598, while waco offers more affordable housing with a median home price of $196,465. On public safety, Waco is safer with a violent crime rate of 442 per 100,000 residents, compared to 512 in Fort Collins. Waco has a lower unemployment rate at 4.4%, and Fort Collins has cleaner air (PM2.5 avg 6.2 µg/m³). For overall health outcomes, Fort Collins scores better with a lower obesity rate of 23.8%.
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