Optometrists Salaries in Waco, TX
Average Base Pay
$116,324/yr
10% below national average
Monthly
$9,694
Hourly
$56
Cost Index
77
Optometrists in Waco, TX earn an average of $116,324 per year, with most salaries falling between $93,059 and $139,589 depending on experience, employer, and specialization. At 10% below the national average, Waco offers a more modest rate for this role, in part reflecting a local cost of living index of 77. For professionals evaluating a move or negotiating an offer, the headline salary is only part of the picture—what matters most is how far that income actually goes once taxes, rent, and daily expenses are factored in. The sections below break that down in full for Waco.
Salary Range
The chart below shows the full compensation spectrum for this role, from entry-level to senior positions. The highlighted center bars represent the 25th–75th percentile band where most professionals are paid.
Low
Median
High
About Optometrists
Physicians diagnose and treat illnesses, injuries, and medical conditions across a wide range of specialties. General practitioners and family medicine physicians manage undifferentiated health problems and chronic conditions for patients of all ages, serving as the primary point of care and coordinating specialist referrals. Internists focus on adult medicine and often subspecialize in areas such as cardiology, gastroenterology, oncology, or pulmonology. Surgeons perform operative procedures to treat conditions ranging from appendicitis and cancer to orthopedic injuries and heart disease. Psychiatrists diagnose and treat mental health conditions using medication management and psychotherapy. Emergency physicians manage acute and life-threatening conditions in high-acuity settings. Pediatricians care for infants, children, and adolescents. Pathologists diagnose disease through laboratory analysis of tissue, blood, and other specimens. Radiologists interpret medical imaging studies. The educational pathway requires four years of medical school following a bachelor's degree, three to seven years of residency training, and often additional fellowship training in a subspecialty. Physicians are licensed by state medical boards and must maintain board certification through continuous medical education and periodic examinations.
What Optometrists Do
- Obtain patient history and perform physical examinations
- Diagnose conditions based on clinical findings and diagnostic test results
- Develop and implement individualized treatment plans
- Prescribe medications and therapies
- Order and interpret diagnostic tests including laboratory studies and imaging
- Perform procedures appropriate to specialty
- Coordinate care with specialists, nurses, and allied health professionals
- Maintain accurate medical records and complete documentation
Key Skills & Qualifications
- Clinical assessment and diagnostic reasoning
- Medical knowledge across pathophysiology, pharmacology, and treatment
- Procedure-specific technical skills relevant to specialty
- Patient communication and shared decision-making
- Interpretation of laboratory and radiographic data
- Electronic health record documentation
- MD or DO degree, residency completion, and board certification
- Medical licensure in state(s) of practice
Career Path
- Medical Student
- Resident Physician
- Attending Physician
- Subspecialty Fellow
- Department Chief / Medical Director
Optometrists Market in Waco, TX
Salary Competitiveness
Waco currently pays 10% below the national median for Optometrists. This gap can reflect a lower regional cost base, thinner employer density, or a surplus of qualified candidates relative to open roles—factors worth factoring into any offer negotiation or relocation calculation.
Cost of Living Impact
Waco's cost of living runs below the national average, which works in favor of this salary. Essential monthly expenses account for approximately 29% of take-home pay—a ratio that leaves meaningful room for savings, debt reduction, and discretionary spending compared with higher-cost metros.
Effective Purchasing Power
After adjusting for local taxes and cost of living, a Optometrists earning $116,324 in Waco reaches a strong purchasing-power position. The effective standard of living this income supports is materially higher than the gross number alone implies—a useful data point for professionals comparing offers across metro areas.
vs. National Avg
-10%
Cost Pressure
29%
Purchasing Power
Strong
Take-Home Pay Calculator
Enter any gross salary to see how federal and state taxes affect your actual take-home pay, broken down by year, month, and week. Results use an estimated effective tax rate of 27% based on this location and income level.
Annual Net
$84,917
Monthly
$7,076
Weekly
$1,633
Eff. Tax Rate
27%
A gross salary of $116,324 for a Optometrists in Waco translates to roughly $7,076 in monthly take-home pay after estimated federal and state taxes. Set against monthly living costs of $2,055—covering housing, food, transportation, utilities, and healthcare—that leaves approximately $5,021 per month in disposable income. That margin, not the gross number, is what determines whether you can comfortably cover rent, build savings, and afford discretionary spending in Waco's current market.
How far does this salary go in Waco?
Cost of Living in Waco
Estimated monthly expenses for a single person in Waco, benchmarked against US regional price indices for housing, food, transportation, utilities, and healthcare.
Cost Index
77
Below Avg — US average is 100. Based on a single person (1-bed apartment).
Financial Reality Check
This section compares estimated monthly take-home pay against typical living costs in Waco to show your real disposable income—the amount remaining after essential bills are paid each month.
Monthly Take-Home
$7,076
Living Costs
$2,055
Disposable
$5,021
Cost Index
77
Lifestyle
Comfortable
With a monthly take-home of $7,076, your estimated living costs in Waco are $2,055 ($24,660/yr). This leaves $5,021 per month in disposable income, indicating a comfortable standard of living. Waco's cost of living is 23% below the national average.
Overall, a Optometrists earning $116,324 in Waco falls into a comfortable lifestyle tier and has meaningful room to save, invest, and absorb unexpected expenses without financial stress. With a cost index of 77, Waco is 23% more affordable than the national average, which extends your purchasing power. Regardless of tier, prioritizing retirement contributions, an emergency fund of three to six months' expenses, and incremental debt reduction will yield the greatest long-term financial stability—especially as living costs in Waco continue to evolve.
Frequently Asked Questions
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See how Optometrists salary in Waco stacks up against other cities.
- vs. Kailua, HI
$167,334/yr+$51,010
vs Waco - vs. Pearl City, HI
$167,334/yr+$51,010
vs Waco - vs. Hilo, HI
$167,334/yr+$51,010
vs Waco - vs. Albuquerque, NM
$165,050/yr+$48,726
vs Waco
Full breakdown: cost of living, net pay, lifestyle score
Compare Cities
Same role, different locations
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City Rankings for Optometrists
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Gross Salary
$116,324/yr
Take-home
$7,076/mo
Disposable
$5,021/mo
Lifestyle
Comfortable
Source: thesalaryindex.com · BLS data
Explore More Salary Data
Related pages — all links are live salary pages
Optometrists in Other Cities
- Peoria, IL$111,466
- West Covina, CA$137,070
- Council Bluffs, IA$121,182
- Parma, OH$116,324
- Daytona Beach, FL$92,700
- Indio, CA$137,070
- Miami, FL$92,700
- Grand Rapids, MI$125,231
- Mcallen, TX$123,611
- Murray, UT$126,850
- Cambridge, MA$155,890
- Schaumburg, IL$132,518
- Midwest City, OK$120,373
- Springfield, MA$132,518
- Naperville, IL$132,518
- Rancho Cucamonga, CA$137,070
- Boston, MA$155,890
- Pasadena, CA$137,070
- Worcester, MA$139,805
- Deltona, FL$126,850
Other Jobs in Waco
- Fabric And Apparel Patternmakers$59,343
- Extruding And Drawing Machine Setters$40,302
- Chemical Equipment Operators And Tenders$46,945
- Adult Basic Education$53,293
- Emergency Medicine Physicians$147,343
- Construction Laborers$44,317
- Biological Science Teachers$77,764
- Agricultural Technicians$44,290
- Massage Therapists$51,061
- Biological Technicians$45,780
- Janitors And Cleaners$30,916
- Computer And Information Research Scientists$118,390
- Electrical And Electronic Engineering Technologists And Technicians$66,725
- Art$70,283
- Sound Engineering Technicians$55,414
- Audiovisual Equipment Installers And Repairers$45,183
- Commercial Pilots$117,857
- Heavy And Tractortrailer Truck Drivers$50,286
- Entertainment And Recreation Managers$66,858
- Archivists$51,871
Top Salary Comparisons
vs. Waco
- Vancouver, WA+$46,496
- Cambridge, MA+$39,566
- Pearl City, HI+$51,010
- Bellevue, WA+$46,496
- Seattle, WA+$46,496
- Everett, WA+$46,496
- Juneau, AK+$46,656
- Anchorage, AK+$46,656
- Sitka, AK+$46,656
- Somerville, MA+$39,566
Highest-Paying Markets
Cities where Optometrists pays most
- Kailua, HI$167,334
- Pearl City, HI$167,334
- Hilo, HI$167,334
- Albuquerque, NM$165,050
- Roswell, NM$165,050
- Clovis, NM$165,050
- Rio Rancho, NM$165,050
- Juneau, AK$162,980
Most Affordable Markets
Cities with lowest cost of living
- Toledo, OH$109,037
- Brownsville, TX$109,037
- Mcallen, TX$123,611
- Topeka, KS$109,037
- Clovis, NM$165,050
- Gulfport, MS$113,895
- Wichita Falls, TX$109,847
- Canton, OH$109,847
Salary estimates are based on BLS metro data and adjusted using cost-of-living indices.