Charlotte, NC vs Albany, NY
Moving from Charlotte to Albany? Here's what changes — from your equivalent salary to housing ($390,321 → $370,533 median home) and taxes.
Charlotte vs Albany 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 Charlotte, NC, you'd need about $100,877 in Albany, NY (+$877).
Livability — Charlotte, NC: 66 · Albany, NY: 58 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,561 sqft in Charlotte vs 2,159 sqft in Albany ($195 vs $232 per sqft).
Annual cost breakdown (at $100,000)
| Category | Charlotte, NC | Albany, NY | Difference |
|---|---|---|---|
| Housing | $20,880 | $20,172 | −$708 |
| Groceries | $4,834 | $4,868 | +$34 |
| Transportation | $3,130 | $3,895 | +$765 |
| Utilities | $1,752 | $3,180 | +$1,428 |
| Insurance | $2,000 | $1,600 | −$400 |
| Taxes | $8,740 | $18,849 | +$10,109 |
| Total | $41,336 | $52,564 | +$11,228 |
Side by side
| Metric | Charlotte, NC | Albany, NY |
|---|---|---|
| Cost-of-living index | 97.3 | 98.2 |
| Unemployment rate | 4.71% | 4.97% |
| Population growth (5-yr) | 10.0% | 2.3% |
| Air quality (median AQI) | 53 | 37 |
| Big Mac price (est.) | $5.54 | $5.59 |
| Median home price | $390,321 | $370,533 |
| Home price ÷ income | 5.1× | 4.4× |
| 1-yr home appreciation | -0.4% | 5.5% |
| Price per square foot | $195 | $232 |
| Median rent | $1,740 | $1,681 |
| Total tax burden (% income) | 9.9% | 15.9% |
| Combined sales tax | 6.98% | 8.52% |
| Capital gains tax | 4.25% | 10.90% |
| Property tax rate | 0.72% | 1.95% |
| Healthcare (annual) | $6,600 | $7,800 |
| Childcare (annual, infant) | $10,000 | $17,000 |
| Vehicle property tax | 1.10% | None |
| Avg commute (min) | 27 | 23 |
| Home insurance / yr | $2,000 | $1,600 |
| Auto insurance / yr | $1,400 | $2,100 |
| Flood insurance / yr | $800 | $800 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 16.3 | 29.4 |
| Gas $/gal | 3.20 | 3.45 |
| Violent crime /100k | 400 | 350 |
| Avg summer high °F | 89 | 83 |
| Avg winter low °F | 30 | 16 |
| Permit difficulty (1–5) | 3 | 5 |