Philadelphia PA 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)
Philadelphia, PA
Pennsylvania · Population: 1,582,432
- Median HH Income$60,698
- Median Home Price$233,814
- Unemployment8.4%
- Bachelor's+34.6%
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
Philadelphia
1,582,432
Philadelphia +
Waco
141,925
Pop. Density / sq mi
Lower = more space
Philadelphia
N/A
Waco
N/A
Median Age
Philadelphia
35.1
Waco
29.2
Waco +
Foreign Born
Philadelphia
14.6%
Philadelphia +
Waco
9.8%
White
Philadelphia
36.1%
Waco
54.0%
Waco +
Black
Philadelphia
39.9%
Philadelphia +
Waco
20.4%
Asian
Philadelphia
7.8%
Philadelphia +
Waco
2.0%
Hispanic
Philadelphia
15.2%
Waco
29.9%
Waco +
Spanish at Home
Philadelphia
N/A
Waco
N/A
| Metric | Philadelphia, PA | Waco, TX | Better |
|---|---|---|---|
| Population | 1,582,432 | 141,925 | Philadelphia + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 35.1 | 29.2 | Waco + |
| Foreign Born | 14.6% | 9.8% | Philadelphia + |
| White | 36.1% | 54.0% | Waco + |
| Black | 39.9% | 20.4% | Philadelphia + |
| Asian | 7.8% | 2.0% | Philadelphia + |
| Hispanic | 15.2% | 29.9% | Waco + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Philadelphia
$60,698
Philadelphia +
Waco
$51,468
Per Capita Income
Philadelphia
$37,669
Philadelphia +
Waco
$28,819
Per Capita Personal Income (MSA)
BEA MSA-level
Philadelphia
$65,080
Philadelphia +
Waco
$63,758
Unemployment Rate
Philadelphia
8.4%
Waco
4.4%
Waco +
Poverty Rate
Philadelphia
22.0%
Philadelphia +
Waco
24.0%
Bachelor's Degree+
Philadelphia
34.6%
Philadelphia +
Waco
28.6%
| Metric | Philadelphia, PA | Waco, TX | Better |
|---|---|---|---|
| Median HH Income | $60,698 | $51,468 | Philadelphia + |
| Per Capita Income | $37,669 | $28,819 | Philadelphia + |
| Per Capita Personal Income (MSA)BEA MSA-level | $65,080 | $63,758 | Philadelphia + |
| Unemployment Rate | 8.4% | 4.4% | Waco + |
| Poverty Rate | 22.0% | 24.0% | Philadelphia + |
| Bachelor's Degree+ | 34.6% | 28.6% | Philadelphia + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Philadelphia
$233,814
Waco
$196,465
Waco +
Homeownership Rate
Philadelphia
52.3%
Philadelphia +
Waco
48.9%
| Metric | Philadelphia, PA | Waco, TX | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $233,814 | $196,465 | Waco + |
| Homeownership Rate | 52.3% | 48.9% | Philadelphia + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Philadelphia
319
Philadelphia +
Waco
442
Property Crime / 100K
FBI CDE (state-level est.)
Philadelphia
1613
Philadelphia +
Waco
2339
| Metric | Philadelphia, PA | Waco, TX | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 319 | 442 | Philadelphia + |
| Property Crime / 100KFBI CDE (state-level est.) | 1613 | 2339 | Philadelphia + |
Health
Obesity Rate
CDC PLACES
Philadelphia
N/A
Waco
36.8%
Diabetes Rate
CDC PLACES
Philadelphia
N/A
Waco
13.0%
Poor Mental Health
CDC PLACES — 14+ days/month
Philadelphia
N/A
Waco
20.4%
No Health Insurance
CDC PLACES
Philadelphia
N/A
Waco
20.4%
Binge Drinking
CDC PLACES
Philadelphia
N/A
Waco
16.2%
Current Smokers
CDC PLACES
Philadelphia
N/A
Waco
15.1%
| Metric | Philadelphia, PA | Waco, TX | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | N/A | 36.8% | - |
| Diabetes RateCDC PLACES | N/A | 13.0% | - |
| Poor Mental HealthCDC PLACES — 14+ days/month | N/A | 20.4% | - |
| No Health InsuranceCDC PLACES | N/A | 20.4% | - |
| Binge DrinkingCDC PLACES | N/A | 16.2% | - |
| Current SmokersCDC PLACES | N/A | 15.1% | - |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Philadelphia
57.1°F
Philadelphia +
Waco
66.6°F
Annual Precipitation
NOAA 1991–2020 normal
Philadelphia
48.5 in
Waco
36.4 in
Waco +
| Metric | Philadelphia, PA | Waco, TX | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 57.1°F | 66.6°F | Philadelphia + |
| Annual PrecipitationNOAA 1991–2020 normal | 48.5 in | 36.4 in | Waco + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Philadelphia
9.8 µg/m³
Waco
9.2 µg/m³
Waco +
Good Air Days
AQI ≤ 50
Philadelphia
55.0%
Waco
55.0%
Tie
| Metric | Philadelphia, PA | Waco, TX | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.8 µg/m³ | 9.2 µg/m³ | Waco + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Philadelphia
34.5 min
Waco
19.7 min
Waco +
| Metric | Philadelphia, PA | Waco, TX | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 34.5 min | 19.7 min | Waco + |
Which City is Right for You?
Philadelphia leads in median household income at $60,698, while waco offers more affordable housing with a median home price of $196,465. On public safety, Philadelphia is safer with a violent crime rate of 319 per 100,000 residents, compared to 442 in Waco. Waco has a lower unemployment rate at 4.4%, and Waco has cleaner air (PM2.5 avg 9.2 µg/m³).
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