Boston, MA vs Charlotte, NC
Moving from Boston to Charlotte? Here's what changes — from your equivalent salary to housing ($741,868 → $390,321 median home) and taxes.
Boston vs Charlotte at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Boston, MA, you'd need about $88,160 in Charlotte, NC (−$11,840).
Livability — Boston, MA: 48 · Charlotte, NC: 66 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,146 sqft in Boston vs 2,561 sqft in Charlotte ($436 vs $195 per sqft).
Annual cost breakdown (at $100,000)
| Category | Boston, MA | Charlotte, NC | Difference |
|---|---|---|---|
| Housing | $38,532 | $20,880 | −$17,652 |
| Groceries | $5,040 | $4,834 | −$206 |
| Transportation | $3,210 | $3,130 | −$80 |
| Utilities | $3,180 | $1,752 | −$1,428 |
| Insurance | $1,800 | $2,000 | +$200 |
| Taxes | $17,694 | $8,740 | −$8,953 |
| Total | $69,455 | $41,336 | −$28,119 |
Side by side
| Metric | Boston, MA | Charlotte, NC |
|---|---|---|
| Cost-of-living index | 110.4 | 97.3 |
| Unemployment rate | 5.02% | 4.71% |
| Population growth (5-yr) | 2.9% | 10.0% |
| Air quality (median AQI) | 43 | 53 |
| Big Mac price (est.) | $6.28 | $5.54 |
| Median home price | $741,868 | $390,321 |
| Home price ÷ income | 6.9× | 5.1× |
| 1-yr home appreciation | 1.6% | -0.4% |
| Price per square foot | $436 | $195 |
| Median rent | $3,211 | $1,740 |
| Total tax burden (% income) | 11.5% | 9.9% |
| Combined sales tax | 6.25% | 6.98% |
| Capital gains tax | 9.00% | 4.25% |
| Property tax rate | 1.14% | 0.72% |
| Healthcare (annual) | $8,200 | $6,600 |
| Childcare (annual, infant) | $21,000 | $10,000 |
| Vehicle property tax | 2.25% | 1.10% |
| Avg commute (min) | 31 | 27 |
| Home insurance / yr | $1,800 | $2,000 |
| Auto insurance / yr | $1,500 | $1,400 |
| Flood insurance / yr | $800 | $800 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 29.4 | 16.3 |
| Gas $/gal | 3.30 | 3.20 |
| Violent crime /100k | 330 | 400 |
| Avg summer high °F | 82 | 89 |
| Avg winter low °F | 22 | 30 |
| Permit difficulty (1–5) | 4 | 3 |