Moving from Raleigh to Charlotte
Your paycheck buys about the same in Charlotte as in Raleigh. Compare taxes, rent, home prices and the cost of the move.
Equal salary in Charlotte: $99,000
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $99,000 in Charlotte, NC to match $100,000 in Raleigh, NC ($1,000 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Both are in North Carolina, so state income tax is the same; neither city levies a resident income tax.
Raleigh vs Charlotte: key facts
- Median rent
- $1,674 → $1,594/mo
- Median home value
- $465,800 → $400,400
- Median household income
- $102,144 → $85,938
- Price level (U.S. = 100)
- 98.2 → 97.3
- Natural hazard risk (FEMA)
- Among the highest (91.9 → 89.2 of 100)
Raleigh vs Charlotte cost of living
The vertical line marks the U.S. average (100).
| Measure | Raleigh, NC | Charlotte, NC |
|---|---|---|
| Overall price level (U.S. = 100) | 98.2 | 97.3 |
| Median rent | $1,674 | $1,594 |
| Income to rent affordably (30%) | $66,960 | $63,760 |
| Median home value | $465,800 | $400,400 |
| Monthly cost to own (20% down) | $2,836 | $2,446 |
| Income needed to buy | $121,554 | $104,819 |
| Median property tax | $3,082 | $2,552 |
| State income tax on $100,000 | $3,481 | $3,481 |
| Metro population | 1,562,009 | 2,883,370 |
Metro-area figures (Census ACS 2024, BEA 2024). Taxes use each metro's principal state.
Your yearly budget: Raleigh vs Charlotte
On a $100,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $56,667 a year in Raleigh and $55,707 in Charlotte if you rent: $960 less after the move. If you buy the median home, they come to $70,614 and $65,928 ($4,686 less).
Your yearly budget, before vs after
| Yearly cost | RaleighBefore | CharlotteAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $100,000, single filer | $24,301 | $24,301 | $0 |
| Electricity state average bill | $1,722 | $1,722 | $0 |
| Car insurance one car, state average | $925 | $925 | $0 |
| Gas 12,000 miles at 25 mpg | $1,975 | $1,975 | $0 |
| Health insurance one adult, age 40, own plan before subsidies | $7,656 | $7,656 | $0 |
| If you rent | |||
| Rent median, 12 months | $20,088 | $19,128 | -$960 |
| Total if you rent | $56,667 | $55,707 | -$960 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $29,600 | $25,444 | -$4,156 |
| Property tax median home | $3,082 | $2,552 | -$530 |
| Homeowners insurance state median, with a mortgage | $1,353 | $1,353 | $0 |
| Total if you buy | $70,614 | $65,928 | -$4,686 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures for the principal state: EIA 2024 average residential power bill, NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on September 23, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $12,370 a year in Raleigh and $12,370 in Charlotte (Child Care Aware of America, 2024 state averages).
Who moves from Raleigh to Charlotte
About 1,853 households (2,748 people) moved from the Raleigh metro area to the Charlotte metro area in 2022–2023, making Charlotte the #2 destination for people leaving Raleigh among the 149 metro areas we cover. 1,789 households moved the other way. Their average adjusted gross income was $75,363.
Cost to move from Raleigh to Charlotte
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $310–$600 |
| Moving container | $1,090–$2,030 |
| Full-service movers | $1,830–$4,860 |
At about 150 miles, this move is shorter than the long-distance routes these ranges are modeled on. A move this short is often priced by the hour, so quotes can come in lower.
Natural hazard risk: Raleigh vs Charlotte
FEMA's National Risk Index rates the Raleigh area among the highest (score 91.9) and the Charlotte area among the highest (score 89.2), on a 0–100 national percentile scale. Expected yearly losses from natural hazards average $267 vs $326 per resident.
The vertical line marks the middle of U.S. counties (50).
The vertical line marks the middle of U.S. counties (50).
Frequently asked questions
Is Charlotte cheaper than Raleigh?
Overall prices in the Charlotte area are 0.9% lower than in Raleigh (BEA Regional Price Parities 2024). Median rent is $1,594 vs $1,674 a month, and the median home is $400,400 vs $465,800.
What salary do I need in Charlotte to match $100,000 in Raleigh?
About $99,000, after 2026 federal taxes and local prices. Both are in North Carolina, so state income tax is the same.
How much does it cost to move from Raleigh to Charlotte?
For a 2–3 bedroom home over about 150 miles: roughly $310–$600 with a rental truck, $1,090–$2,030 with a container, or $1,830–$4,860 with full-service movers. A move this short is often priced by the hour, so quotes can come in lower.
How many people move from Raleigh to Charlotte?
IRS county migration data for 2022–2023 show about 1,853 households (2,748 people) moved from the Raleigh metro area to the Charlotte metro area, and 1,789 moved the other way.
Related
Where people from Raleigh move
- Raleigh to Durham 5,036 households
- Raleigh to Wilmington 1,321 households
- Raleigh to New York 1,029 households
- Washington, D.C. 842 households
- Greensboro 804 households
- Fayetteville, NC 588 households
- Atlanta 542 households
- Miami 393 households