Cost of living in Charlotte, NC Livability score 66 · cost-of-living index 97.3 (US = 100)
How Charlotte compares Where Charlotte falls within the range of all 200 metros (marker = this city).
Cost-of-living index (US=100) 85 118 Cost-of-living index (US=100): 97 — range 85 to 118 across all metros 97 Median home price $149k $1610k Median home price: $390k — range $149k to $1610k across all metros $390k Price per sqft (more house = lower) $88 $1074 Price per sqft (more house = lower): $195 — range $88 to $1074 across all metros $195 Combined sales tax 0.0% 11.5% Combined sales tax: 7.0% — range 0.0% to 11.5% across all metros 7.0% Property tax rate 0.28% 2.76% Property tax rate: 0.72% — range 0.28% to 2.76% across all metros 0.72% Violent crime (per 100k) 110 1,000 Violent crime (per 100k): 400 — range 110 to 1,000 across all metros 400 Electricity (¢/kWh) 12.3 46.6 Electricity (¢/kWh): 16.3 — range 12.3 to 46.6 across all metros 16.3 Avg summer high (°F) 65° 104° Avg summer high (°F): 89° — range 65° to 104° across all metros 89° Avg winter low (°F) -2° 72° Avg winter low (°F): 30° — range -2° to 72° across all metros 30° Map of Charlotte Grocery stores, parks, golf courses and more — real listings. Toggle categories in the legend.
Map data © OpenStreetMap contributors · business listings via Google Maps
Cost of living Metric Value US rank Cost-of-living index (US=100) 97.3 #116 of 200 Grocery index (US=100) 96.7 #105 of 200 Big Mac price (est.) $5.54 #115 of 200 Median household income $76,177 #76 of 200 Median wage (all occupations) $43,712 #56 of 200
Economy Metric Value US rank Unemployment rate 4.71% #69 of 200 Population growth (5-yr) +10.0% #27 of 200
Housing — what your money buys Metric Value US rank Median home price $390,321 #131 of 200 Home price ÷ income (affordability) 5.1× #123 of 200 1-yr home appreciation -0.4% #142 of 200 Price per square foot $195 #108 of 200 Typical home size (implied) 2,000 sqft Median rent (monthly) $1,740 #125 of 200 Homes for sale (inventory) 13,321 Median days on market 20 #114 of 200
Taxes Metric Value US rank Total tax burden (est. % of income) 9.9% #88 of 200 Combined sales tax 6.98% #55 of 200 State income tax (top rate) 4.25% Capital gains tax 4.25% #78 of 200 High earners No special surtax Effective property tax rate 0.72% #65 of 200 Median property tax paid $2,047 #67 of 200
Healthcare & childcare Metric Value US rank Healthcare (annual, single adult) $6,600 #65 of 200 Childcare (annual, infant, center) $10,000 #58 of 200
Vehicles & commute Metric Value US rank Annual registration $130 #107 of 200 Vehicle property tax (annual) 1.10% of value (~$308/yr) #146 of 200 Emissions testing Required Emissions detail Required in major metro counties DMV & license offices 12 Avg commute to work 27 min #153 of 200
Utilities & fuel Metric Value US rank Electricity 16.3¢/kWh #72 of 200 Avg monthly electric bill $146 #72 of 200 Gasoline $3.20/gal #63 of 200
Insurance Metric Value US rank Home insurance (annual) $2,000 #110 of 200 Auto insurance (annual) $1,400 #18 of 200
Disaster risk & supplemental insurance Metric Value US rank Main natural hazards Notable hazards: hurricanes, flooding — separate flood/quake/windstorm policies may be needed. Flood insurance (annual, NFIP) $800 #120 of 200 Earthquake insurance (annual) $100 #1 of 200
Climate & air quality Metric Value US rank Air quality (median AQI, lower=cleaner) 53 #157 of 200 Cooling degree-days (AC load) 1,600 #119 of 200 Heating degree-days (heat load) 3,400 #85 of 200 Avg summer high 89°F #113 of 200 Avg winter low 30°F #89 of 200 Plant hardiness zone 7b Frost window 04-01 → 11-10
Safety Metric Value US rank Violent crime (per 100k) 400 #100 of 200 Property crime (per 100k) 2,200 #98 of 200
Local amenities & recreation Metric Value US rank Grocery stores 64 #100 of 200 Parks 65 Hiking areas 44 Golf courses 34 Shooting ranges 13 Lakes 5
Permits Metric Value US rank Building permit difficulty (1–5) 3 #87 of 200 Permit detail Moderate
US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.
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Estimates for guidance only — not financial or legal advice. Live/official data:
cost-of-living & grocery (BEA RPP); home price, rent, inventory, days-on-market (Zillow);
income & property tax (US Census ACS); electricity (US EIA); plant-hardiness (USDA);
crime (FBI UCR); local grocery, park, hiking, golf, shooting-range, lake & DMV
counts (Google Maps listings) via our own scraper.
Taxes (Tax Foundation) and insurance, emissions, permits, climate, wages and fuel use
sourced state/metro figures.