RelocateMath
City cost of living 2026

Cost of living in Charlotte, NC

The Charlotte-Concord-Gastonia, NC-SC metro area (2,883,370 people) ranks #82 of 149 for prices among the U.S. metro areas we cover. Here's what it costs to live there.

By Data reviewed Data: Census ACS, BEA, BLS, NOAA, IRS, FEMA (methodology)

New York, NY: price level 112.6Los Angeles, CA: price level 113.6Chicago, IL: price level 103.6Dallas, TX: price level 103.1Houston, TX: price level 98.6Miami, FL: price level 114.2Washington, D.C.: price level 108.9Atlanta, GA: price level 100.1Philadelphia, PA: price level 102.6Phoenix, AZ: price level 103.3Boston, MA: price level 108.3Riverside, CA: price level 106.4San Francisco, CA: price level 115.6Detroit, MI: price level 100.3Seattle, WA: price level 111.1Minneapolis, MN: price level 104.8Tampa, FL: price level 100.9San Diego, CA: price level 111.9Denver, CO: price level 105.8Orlando, FL: price level 101.4Charlotte, NC: price level 97.3Baltimore, MD: price level 104.5St. Louis, MO: price level 95.1San Antonio, TX: price level 94.7Austin, TX: price level 98.1Portland, OR: price level 105.4Sacramento, CA: price level 106.7Pittsburgh, PA: price level 94.7Las Vegas, NV: price level 100.2Cincinnati, OH: price level 95.4Kansas City, MO: price level 92.5Columbus, OH: price level 95.5Indianapolis, IN: price level 95.7Cleveland, OH: price level 93.9Nashville, TN: price level 96.3San Jose, CA: price level 110.4Virginia Beach, VA: price level 97.9Jacksonville, FL: price level 99.5Providence, RI: price level 101.8Milwaukee, WI: price level 96.9Raleigh, NC: price level 98.2Oklahoma City, OK: price level 90.4Louisville, KY: price level 93.1Richmond, VA: price level 97.9Memphis, TN: price level 92.2Salt Lake City, UT: price level 100.9Birmingham, AL: price level 91.6Fresno, CA: price level 102.2Grand Rapids, MI: price level 95.5Hartford, CT: price level 102.7Buffalo, NY: price level 95.8Tucson, AZ: price level 96.9Tulsa, OK: price level 89.2Rochester, NY: price level 97.0Omaha, NE: price level 91.9Honolulu, HI: price level 111.0Greenville, SC: price level 93.3Bridgeport, CT: price level 106.9New Orleans, LA: price level 92.6Knoxville, TN: price level 92.6Sarasota, FL: price level 102.4Albuquerque, NM: price level 95.5Bakersfield, CA: price level 100.9McAllen, TX: price level 85.9Albany, NY: price level 99.6Allentown, PA: price level 100.0Baton Rouge, LA: price level 90.8Worcester, MA: price level 102.5El Paso, TX: price level 89.9Columbia, SC: price level 93.7Charleston, SC: price level 101.0Cape Coral, FL: price level 102.3Lakeland, FL: price level 97.1Boise, ID: price level 98.4Oxnard, CA: price level 110.5Dayton, OH: price level 92.7Stockton, CA: price level 105.1Greensboro, NC: price level 92.9Colorado Springs, CO: price level 100.7Little Rock, AR: price level 89.4Provo, UT: price level 98.2Des Moines, IA: price level 91.7Daytona Beach, FL: price level 99.4Poughkeepsie, NY: price level 109.4Madison, WI: price level 97.3Winston-Salem, NC: price level 92.0Akron, OH: price level 93.4Ogden, UT: price level 100.3Wichita, KS: price level 88.9Palm Bay, FL: price level 100.0Syracuse, NY: price level 95.7Augusta, GA: price level 91.9Durham, NC: price level 97.6Harrisburg, PA: price level 98.7Jackson, MS: price level 89.0Fayetteville, AR: price level 91.4Spokane, WA: price level 100.3Toledo, OH: price level 91.5Chattanooga, TN: price level 91.5New Haven, CT: price level 104.6Reno, NV: price level 101.0Portland, ME: price level 101.9Port St. Lucie, FL: price level 100.2Huntsville, AL: price level 93.1Pensacola, FL: price level 97.7Lexington, KY: price level 92.9Killeen, TX: price level 91.1Springfield, MO: price level 88.6Santa Rosa, CA: price level 107.8Wilmington, NC: price level 96.4Fort Wayne, IN: price level 92.6Vallejo, CA: price level 108.5Santa Barbara, CA: price level 108.8Salinas, CA: price level 109.0Savannah, GA: price level 95.2Manchester, NH: price level 105.7Ocala, FL: price level 95.2Asheville, NC: price level 96.5Naples, FL: price level 103.2Myrtle Beach, SC: price level 93.6Anchorage, AK: price level 105.4Spartanburg, SC: price level 91.1Fayetteville, NC: price level 92.0Trenton, NJ: price level 103.2Eugene, OR: price level 101.6Fort Collins, CO: price level 101.1Ann Arbor, MI: price level 100.9Greeley, CO: price level 100.2Gainesville, FL: price level 96.7Clarksville, TN: price level 90.9Boulder, CO: price level 105.2Columbus, GA: price level 89.3Crestview, FL: price level 97.0Sioux Falls, SD: price level 90.6Olympia, WA: price level 103.7Norwich, CT: price level 100.4Bremerton, WA: price level 105.6Fargo, ND: price level 90.9Bend, OR: price level 103.6Daphne, AL: price level 94.7Prescott, AZ: price level 98.3Hilton Head Island, SC: price level 98.0Burlington, VT: price level 100.9Panama City, FL: price level 97.3Jacksonville, NC: price level 92.1Punta Gorda, FL: price level 100.5Billings, MT: price level 93.5The Villages, FL: price level 85.4Cheyenne, WY: price level 96.5

Hover over or tap a dot to see its value.

Price level of the 149 metros we cover
See all 149 cities

Price level, from cheaper to pricier.

Salary to match $75k
$76,200
vs. an average-priced, no-income-tax area
Median rent
$1,594
per month · need $63,760 income
Median home
$400,400
need about $104,819 to buy

Compare Charlotte with your city

See what you'd need to earn in Charlotte to keep your lifestyle, after taxes and local prices. The calculator starts from New York, NY, which sends the most households here of the metros we cover (IRS, 2022–2023), at about its median household income. Pick your own city and salary.

Equal salary in Charlotte: $77,700

Compare any two of 149 U.S. metro areas. All cities

To keep the same lifestyle, you need about $77,700 in Charlotte, NC to match $100,000 in New York, NY ($22,300 less), after 2026 taxes and local prices.

Single filer, W-2 salary. Uses New York and North Carolina state income tax; includes New York City resident tax $3,441 (inside city limits).

Take-home in New York
$70,467
29.5% total tax
Take-home in Charlotte
$75,699
24.3% total tax
Prices in Charlotte
-13.6%
vs New York (BEA 2024)
Renting: change after selected costs
+$8,268
per year, after taxes, rent and power; excludes food, transport, healthcare, child care and moving costs

See the full New York to Charlotte report

What things cost in Charlotte

Price level by category (U.S. = 100)
Below the U.S. average
Overall97.3
Housing97.6
Goods96.6
Utilities89.2
Other services98.2

The vertical line marks the U.S. average (100). BEA Regional Price Parities 2024 for the metropolitan area.

Taxes in Charlotte

On an $85,000 salary (about the area's median household income), a single filer keeps $65,745 after 2026 federal tax ($9,870), Social Security and Medicare ($6,503) and North Carolina income tax ($2,883).

Housing

MeasureCharlotte area
Median rent$1,594/mo
Median home value$400,400
Median property tax$2,552/yr
Monthly cost to own the median home (20% down)$2,446
Median household income$85,938

Climate and jobs in Charlotte

In the Charlotte area the average January low is 32°F and the average July high 90°F, and the area has about 49 days a year at 90°F or hotter. Unemployment averaged 3.9% in 2025, below the U.S. rate (4.3%), and the median wage across all jobs was $49,990 a year, 2% below the U.S. median.

Climate in the Charlotte area: NOAA 1991–2020 normals
Climate1991–2020 average
January low32°F
July high90°F
Days 90°F or hotter49 a year
Precipitation44 in a year
Snowfall3.5 in a year
Jobs and pay in the Charlotte area compared with the U.S. (Bureau of Labor Statistics)
Jobs and payMetro areaU.S.
Unemployment rate, 2025 average3.9%4.3%
Median wage, all jobs (May 2025)$49,990$50,980
Wage and salary jobs (May 2025)1.4 million155.5 million

Climate: NOAA U.S. Climate Normals, 1991–2020 averages at the Charlotte Douglas Airport station (USW00013881). Weather varies across a metro area, especially with elevation and distance from the coast. Jobs: unemployment from BLS Local Area Unemployment Statistics; wages and job counts from BLS Occupational Employment and Wage Statistics, which count wage and salary jobs, not the self-employed; wages are before taxes. The 2025 average covers 11 months: October 2025 data were not collected during the federal government shutdown.

Retiring in Charlotte

A single retiree spends about $3,035 a month here if they own their home outright, or $4,123 renting, based on typical spending for households 65 and older (BLS 2024) adjusted for local prices. See where your budget goes furthest.

Where people move to and from Charlotte

Leaving Charlotte for… (households)
Raleigh1,789
Winston-Salem1,710
Columbia1,411
New York1,320
Greensboro1,066
Wilmington1,065
Atlanta1,034
Charleston865
Moving to Charlotte from… (households)
New York3,699
Raleigh1,853
Winston-Salem1,590
Miami1,485
Greensboro1,390
Columbia1,275
Washington, D.C.1,219
Atlanta1,132

IRS county-to-county migration data, 2022–2023, aggregated to the 149 metro areas we cover.

Natural hazard risk

FEMA rates the Charlotte area among the highest for natural hazard risk (score 89.2 of 100), with expected losses of about $326 per resident per year. Disaster risk by county in North Carolina.

Highest relative risks (national percentile)
Higher risk than most U.S. counties
Ice storm95
Tornado93
Riverine flooding92
Lightning88
Strong wind88

The vertical line marks the middle of U.S. counties (50).

Frequently asked questions

What salary do you need to live in Charlotte?

To match the buying power of $75,000 in an average-priced area with no state income tax, you need about $76,200 in Charlotte. Renting the median home at 30% of income takes $63,760, and buying the median home with 20% down takes about $104,819.

Is Charlotte expensive?

The Charlotte metro area's price level is 97.3 (U.S. = 100), #82 of the 149 metro areas we cover, from most to least expensive. Its housing price index is 97.6, 2% below the U.S. average.

Are people moving to Charlotte?

Counting moves to and from the other 148 metro areas we cover, Charlotte had a net gain of about 8,970 households in 2022–2023 (IRS county migration data).

What is the weather like in Charlotte?

In NOAA's 1991–2020 climate normals for the Charlotte area (Charlotte Douglas Airport weather station), the average January low is 32°F and the average July high 90°F. The area has about 49 days a year at 90°F or hotter and gets 44 inches of precipitation a year and about 3.5 inches of snow.

What are jobs and pay like in Charlotte?

The Charlotte metro area's unemployment rate averaged 3.9% in 2025, below the U.S. rate (4.3%). The median wage across all jobs was $49,990 a year in May 2025, 2% below the U.S. median of $50,980 (Bureau of Labor Statistics).

What natural disasters affect Charlotte?

FEMA's National Risk Index rates the area among the highest overall (score 89.2). The highest relative risks are ice storm, tornado, riverine flooding.

Compare Charlotte with other cities

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