Charlotte, NC vs Pensacola, FL
Moving from Charlotte to Pensacola? Here's what changes — from your equivalent salary to housing ($390,321 → $310,470 median home) and taxes.
Charlotte vs Pensacola 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 $98,485 in Pensacola, FL (−$1,515).
Livability — Charlotte, NC: 66 · Pensacola, FL: 70 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,561 sqft in Charlotte vs 2,980 sqft in Pensacola ($195 vs $168 per sqft).
Annual cost breakdown (at $100,000)
| Category | Charlotte, NC | Pensacola, FL | Difference |
|---|---|---|---|
| Housing | $20,880 | $21,180 | +$300 |
| Groceries | $4,834 | $4,813 | −$20 |
| Transportation | $3,130 | $4,800 | +$1,670 |
| Utilities | $1,752 | $1,656 | −$96 |
| Insurance | $2,000 | $4,200 | +$2,200 |
| Taxes | $8,740 | $3,897 | −$4,843 |
| Total | $41,336 | $40,546 | −$789 |
Side by side
| Metric | Charlotte, NC | Pensacola, FL |
|---|---|---|
| Cost-of-living index | 97.3 | 95.8 |
| Unemployment rate | 4.71% | 5.65% |
| Population growth (5-yr) | 10.0% | 7.0% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.54 | $5.45 |
| Median home price | $390,321 | $310,470 |
| Home price ÷ income | 5.1× | 4.5× |
| 1-yr home appreciation | -0.4% | 0.7% |
| Price per square foot | $195 | $168 |
| Median rent | $1,740 | $1,765 |
| Total tax burden (% income) | 9.9% | 9.1% |
| Combined sales tax | 6.98% | 7.02% |
| Capital gains tax | 4.25% | None |
| Property tax rate | 0.72% | 0.62% |
| Healthcare (annual) | $6,600 | $7,500 |
| Childcare (annual, infant) | $10,000 | $10,000 |
| Vehicle property tax | 1.10% | None |
| Avg commute (min) | 27 | 26 |
| Home insurance / yr | $2,000 | $4,200 |
| Auto insurance / yr | $1,400 | $2,900 |
| Flood insurance / yr | $800 | $1,400 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 16.3 | 15.4 |
| Gas $/gal | 3.20 | 3.35 |
| Natural gas / mo | $62 | $38 |
| Water & sewer / mo | $78 | $88 |
| Home internet / mo | $80 | $76 |
| Violent crime /100k | 400 | 380 |
| Avg summer high °F | 89 | 91 |
| Avg winter low °F | 30 | 52 |
| Annual precipitation (in) | 43.6 | 60.0 |
| Annual snowfall (in) | 3.5 | 0.0 |
| Sunshine (% possible) | 62% | 62% |
| Permit difficulty (1–5) | 3 | 3 |