San Bernardino CA 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)
San Bernardino, CA
California · Population: 221,774
- Median HH Income$63,988
- Median Home Price$492,059
- Unemployment6.5%
- Bachelor's+12.8%
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
San Bernardino
221,774
San Bernardino +
Waco
141,925
Pop. Density / sq mi
Lower = more space
San Bernardino
N/A
Waco
N/A
Median Age
San Bernardino
31.9
Waco
29.2
Waco +
Foreign Born
San Bernardino
22.9%
San Bernardino +
Waco
9.8%
White
San Bernardino
27.6%
Waco
54.0%
Waco +
Black
San Bernardino
11.8%
Waco
20.4%
Waco +
Asian
San Bernardino
4.1%
San Bernardino +
Waco
2.0%
Hispanic
San Bernardino
69.6%
San Bernardino +
Waco
29.9%
Spanish at Home
San Bernardino
N/A
Waco
N/A
| Metric | San Bernardino, CA | Waco, TX | Better |
|---|---|---|---|
| Population | 221,774 | 141,925 | San Bernardino + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 31.9 | 29.2 | Waco + |
| Foreign Born | 22.9% | 9.8% | San Bernardino + |
| White | 27.6% | 54.0% | Waco + |
| Black | 11.8% | 20.4% | Waco + |
| Asian | 4.1% | 2.0% | San Bernardino + |
| Hispanic | 69.6% | 29.9% | San Bernardino + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
San Bernardino
$63,988
San Bernardino +
Waco
$51,468
Per Capita Income
San Bernardino
$23,980
Waco
$28,819
Waco +
Per Capita Personal Income (MSA)
BEA MSA-level
San Bernardino
$77,230
San Bernardino +
Waco
$63,758
Unemployment Rate
San Bernardino
6.5%
Waco
4.4%
Waco +
Poverty Rate
San Bernardino
19.5%
San Bernardino +
Waco
24.0%
Bachelor's Degree+
San Bernardino
12.8%
Waco
28.6%
Waco +
| Metric | San Bernardino, CA | Waco, TX | Better |
|---|---|---|---|
| Median HH Income | $63,988 | $51,468 | San Bernardino + |
| Per Capita Income | $23,980 | $28,819 | Waco + |
| Per Capita Personal Income (MSA)BEA MSA-level | $77,230 | $63,758 | San Bernardino + |
| Unemployment Rate | 6.5% | 4.4% | Waco + |
| Poverty Rate | 19.5% | 24.0% | San Bernardino + |
| Bachelor's Degree+ | 12.8% | 28.6% | Waco + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
San Bernardino
$492,059
Waco
$196,465
Waco +
Homeownership Rate
San Bernardino
48.5%
Waco
48.9%
Waco +
| Metric | San Bernardino, CA | Waco, TX | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $492,059 | $196,465 | Waco + |
| Homeownership Rate | 48.5% | 48.9% | Waco + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
San Bernardino
503
Waco
442
Waco +
Property Crime / 100K
FBI CDE (state-level est.)
San Bernardino
2388
Waco
2339
Waco +
| Metric | San Bernardino, CA | Waco, TX | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 503 | 442 | Waco + |
| Property Crime / 100KFBI CDE (state-level est.) | 2388 | 2339 | Waco + |
Health
Obesity Rate
CDC PLACES
San Bernardino
37.1%
Waco
36.8%
Waco +
Diabetes Rate
CDC PLACES
San Bernardino
13.6%
Waco
13.0%
Waco +
Poor Mental Health
CDC PLACES — 14+ days/month
San Bernardino
20.0%
San Bernardino +
Waco
20.4%
No Health Insurance
CDC PLACES
San Bernardino
20.2%
San Bernardino +
Waco
20.4%
Binge Drinking
CDC PLACES
San Bernardino
15.2%
San Bernardino +
Waco
16.2%
Current Smokers
CDC PLACES
San Bernardino
15.1%
Waco
15.1%
Tie
| Metric | San Bernardino, CA | Waco, TX | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 37.1% | 36.8% | Waco + |
| Diabetes RateCDC PLACES | 13.6% | 13.0% | Waco + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 20.0% | 20.4% | San Bernardino + |
| No Health InsuranceCDC PLACES | 20.2% | 20.4% | San Bernardino + |
| Binge DrinkingCDC PLACES | 15.2% | 16.2% | San Bernardino + |
| Current SmokersCDC PLACES | 15.1% | 15.1% | Tie |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
San Bernardino
N/A
Waco
66.6°F
Annual Precipitation
NOAA 1991–2020 normal
San Bernardino
N/A
Waco
36.4 in
| Metric | San Bernardino, CA | Waco, TX | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | 66.6°F | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | 36.4 in | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
San Bernardino
7.9 µg/m³
San Bernardino +
Waco
9.2 µg/m³
Good Air Days
AQI ≤ 50
San Bernardino
75.0%
San Bernardino +
Waco
55.0%
| Metric | San Bernardino, CA | Waco, TX | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.9 µg/m³ | 9.2 µg/m³ | San Bernardino + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | San Bernardino + |
Commute
Mean Commute Time
Census ACS
San Bernardino
30.7 min
Waco
19.7 min
Waco +
| Metric | San Bernardino, CA | Waco, TX | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 30.7 min | 19.7 min | Waco + |
Which City is Right for You?
San Bernardino leads in median household income at $63,988, 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 503 in San Bernardino. Waco has a lower unemployment rate at 4.4%, and San Bernardino has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, Waco scores better with a lower obesity rate of 36.8%.
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