Charlotte, NC vs Springfield, MO
Moving from Charlotte to Springfield? Here's what changes — from your equivalent salary to housing ($390,321 → $272,938 median home) and taxes.
Charlotte vs Springfield 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 $91,561 in Springfield, MO (−$8,439).
Livability — Charlotte, NC: 66 · Springfield, MO: 69 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,561 sqft in Charlotte vs 3,205 sqft in Springfield ($195 vs $156 per sqft).
Annual cost breakdown (at $100,000)
| Category | Charlotte, NC | Springfield, MO | Difference |
|---|---|---|---|
| Housing | $20,880 | $15,252 | −$5,628 |
| Groceries | $4,834 | $4,830 | −$4 |
| Transportation | $3,130 | $3,390 | +$260 |
| Utilities | $1,752 | $1,512 | −$240 |
| Insurance | $2,000 | $2,400 | +$400 |
| Taxes | $8,740 | $9,116 | +$376 |
| Total | $41,336 | $36,500 | −$4,836 |
Side by side
| Metric | Charlotte, NC | Springfield, MO |
|---|---|---|
| Cost-of-living index | 97.3 | 89.1 |
| Unemployment rate | 4.71% | 3.91% |
| Population growth (5-yr) | 10.0% | 4.8% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.54 | $5.07 |
| Median home price | $390,321 | $272,938 |
| Home price ÷ income | 5.1× | 4.7× |
| 1-yr home appreciation | -0.4% | 2.4% |
| Price per square foot | $195 | $156 |
| Median rent | $1,740 | $1,271 |
| Total tax burden (% income) | 9.9% | 9.3% |
| Combined sales tax | 6.98% | 8.38% |
| Capital gains tax | 4.25% | 4.80% |
| Property tax rate | 0.72% | 0.72% |
| Healthcare (annual) | $6,600 | $6,400 |
| Childcare (annual, infant) | $10,000 | $10,000 |
| Vehicle property tax | 1.10% | 2.55% |
| Avg commute (min) | 27 | 23 |
| Home insurance / yr | $2,000 | $2,400 |
| Auto insurance / yr | $1,400 | $1,800 |
| Flood insurance / yr | $800 | $750 |
| Earthquake insurance / yr | $100 | $400 |
| Electricity ¢/kWh | 16.3 | 14.0 |
| Gas $/gal | 3.20 | 3.00 |
| Natural gas / mo | $62 | $72 |
| Water & sewer / mo | $78 | $184 |
| Home internet / mo | $80 | $86 |
| Violent crime /100k | 400 | 490 |
| Avg summer high °F | 89 | 89 |
| Avg winter low °F | 30 | 22 |
| Annual precipitation (in) | 43.6 | 41.7 |
| Annual snowfall (in) | 3.5 | 16.6 |
| Sunshine (% possible) | 62% | 57% |
| Permit difficulty (1–5) | 3 | 2 |