Charlotte, NC vs Modesto, CA
Moving from Charlotte to Modesto? Here's what changes — from your equivalent salary to housing ($390,321 → $468,302 median home) and taxes.
Charlotte vs Modesto 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 $108,019 in Modesto, CA (+$8,019).
Livability — Charlotte, NC: 66 · Modesto, CA: 52 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,561 sqft in Charlotte vs 1,602 sqft in Modesto ($195 vs $312 per sqft).
Annual cost breakdown (at $100,000)
| Category | Charlotte, NC | Modesto, CA | Difference |
|---|---|---|---|
| Housing | $20,880 | $24,624 | +$3,744 |
| Groceries | $4,834 | $5,247 | +$413 |
| Transportation | $3,130 | $5,125 | +$1,995 |
| Utilities | $1,752 | $3,804 | +$2,052 |
| Insurance | $2,000 | $1,500 | −$500 |
| Taxes | $8,740 | $19,239 | +$10,499 |
| Total | $41,336 | $59,539 | +$18,203 |
Side by side
| Metric | Charlotte, NC | Modesto, CA |
|---|---|---|
| Cost-of-living index | 97.3 | 105.1 |
| Unemployment rate | 4.71% | 8.16% |
| Population growth (5-yr) | 10.0% | 3.1% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.54 | $5.98 |
| Median home price | $390,321 | $468,302 |
| Home price ÷ income | 5.1× | 6.3× |
| 1-yr home appreciation | -0.4% | -0.8% |
| Price per square foot | $195 | $312 |
| Median rent | $1,740 | $2,052 |
| Total tax burden (% income) | 9.9% | 13.5% |
| Combined sales tax | 6.98% | 8.82% |
| Capital gains tax | 4.25% | 13.30% |
| Property tax rate | 0.72% | 0.73% |
| Healthcare (annual) | $6,600 | $7,200 |
| Childcare (annual, infant) | $10,000 | $19,000 |
| Vehicle property tax | 1.10% | 0.65% |
| Avg commute (min) | 27 | 31 |
| Home insurance / yr | $2,000 | $1,500 |
| Auto insurance / yr | $1,400 | $2,400 |
| Flood insurance / yr | $800 | $750 |
| Earthquake insurance / yr | $100 | $950 |
| Electricity ¢/kWh | 16.3 | 35.3 |
| Gas $/gal | 3.20 | 4.85 |
| Natural gas / mo | $62 | $72 |
| Water & sewer / mo | $78 | $138 |
| Home internet / mo | $80 | $83 |
| Violent crime /100k | 400 | 500 |
| Avg summer high °F | 89 | 84 |
| Avg winter low °F | 30 | 45 |
| Annual precipitation (in) | 43.6 | 13.5 |
| Annual snowfall (in) | 3.5 | 0.0 |
| Sunshine (% possible) | 62% | 75% |
| Permit difficulty (1–5) | 3 | 5 |