Modesto, CA vs Charlotte, NC
Moving from Modesto to Charlotte? Here's what changes — from your equivalent salary to housing ($468,302 → $390,321 median home) and taxes.
Modesto 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 Modesto, CA, you'd need about $92,577 in Charlotte, NC (−$7,423).
Livability — Modesto, CA: 52 · Charlotte, NC: 66 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,602 sqft in Modesto vs 2,561 sqft in Charlotte ($312 vs $195 per sqft).
Annual cost breakdown (at $100,000)
| Category | Modesto, CA | Charlotte, NC | Difference |
|---|---|---|---|
| Housing | $24,624 | $20,880 | −$3,744 |
| Groceries | $5,247 | $4,834 | −$413 |
| Transportation | $5,125 | $3,130 | −$1,995 |
| Utilities | $3,804 | $1,752 | −$2,052 |
| Insurance | $1,500 | $2,000 | +$500 |
| Taxes | $19,239 | $8,740 | −$10,499 |
| Total | $59,539 | $41,336 | −$18,203 |
Side by side
| Metric | Modesto, CA | Charlotte, NC |
|---|---|---|
| Cost-of-living index | 105.1 | 97.3 |
| Unemployment rate | 8.16% | 4.71% |
| Population growth (5-yr) | 3.1% | 10.0% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.98 | $5.54 |
| Median home price | $468,302 | $390,321 |
| Home price ÷ income | 6.3× | 5.1× |
| 1-yr home appreciation | -0.8% | -0.4% |
| Price per square foot | $312 | $195 |
| Median rent | $2,052 | $1,740 |
| Total tax burden (% income) | 13.5% | 9.9% |
| Combined sales tax | 8.82% | 6.98% |
| Capital gains tax | 13.30% | 4.25% |
| Property tax rate | 0.73% | 0.72% |
| Healthcare (annual) | $7,200 | $6,600 |
| Childcare (annual, infant) | $19,000 | $10,000 |
| Vehicle property tax | 0.65% | 1.10% |
| Avg commute (min) | 31 | 27 |
| Home insurance / yr | $1,500 | $2,000 |
| Auto insurance / yr | $2,400 | $1,400 |
| Flood insurance / yr | $750 | $800 |
| Earthquake insurance / yr | $950 | $100 |
| Electricity ¢/kWh | 35.3 | 16.3 |
| Gas $/gal | 4.85 | 3.20 |
| Natural gas / mo | $72 | $62 |
| Water & sewer / mo | $138 | $78 |
| Home internet / mo | $83 | $80 |
| Violent crime /100k | 500 | 400 |
| Avg summer high °F | 84 | 89 |
| Avg winter low °F | 45 | 30 |
| Annual precipitation (in) | 13.5 | 43.6 |
| Annual snowfall (in) | 0.0 | 3.5 |
| Sunshine (% possible) | 75% | 62% |
| Permit difficulty (1–5) | 5 | 3 |