Is Charlotte, NC cheaper than Abilene, TX?

Based on cost of living data, Charlotte, NC is 10.1% more expensive than Abilene, TX. This translates to spending an extra $759 per month.

What salary do I need in Charlotte, NC to live like I do in Abilene, TX?

If you earn $150,000 in Abilene, TX, you'd need approximately $159,105.741 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Abilene, TX and Charlotte, NC?

Housing in Charlotte, NC is 32.4% more expensive than in Abilene, TX. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $993/month in Abilene, TX.

How much can I save per month by moving from Abilene, TX to Charlotte, NC?

Living in Charlotte, NC costs approximately $759 more per month than Abilene, TX, or $9106 more per year, based on a $150,000 salary.

Abilene, TX vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Abilene, TX — ZIP-level rent data · COL adjusted from Fort Worth, TX area

Current salary in Abilene, TX

Numbers update automatically as you type

You'd spend $759/month more in Charlotte, NC

$150.0K in your current city equals $159.1K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 10.1%

More expensive

Monthly Impact

$759

Extra cost

Annual Impact

$9.1K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Abilene, TX

Population:129K

Cost Index:100

Median Home:$195K

Charlotte, NC

Population:875K

Cost Index:110

Median Home:$399K

Abilene, TX

The Lone Star State

129K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 129K residents.

💡 Advantage: Texas has no state income tax!

Charlotte, NC

The Tar Heel State

875K

Population

State Tax

Yes

Climate

Humid subtropical

Notable Facts

•Major banking center
•NASCAR headquarters
•Queen City

Major Industries

FinanceTechnologyEnergyMotorsports

Cost Breakdown by Category

Annual spending: Abilene, TX vs Charlotte, NC

Category	Abilene, TX	Charlotte, NC	Difference	Change
🏠Housing	$1,865/mo	$2,469/mo	↑ $604more	32.4%
📦Other	$1,599/mo	$1,707/mo	↑ $109more	6.8%
🛒Groceries	$885/mo	$989/mo	↑ $104more	11.8%
🏥Healthcare	$585/mo	$638/mo	↑ $53.49more	9.1%
🚗Transportation	$1,191/mo	$1,202/mo	↑ $11.47more	1.0%
⚡All Utilities	$526/mo	$519/mo	↓ $7.07less	1.3%

🏠Housing

↑ 32.4%

Abilene, TX

$1,865

Charlotte, NC

$2,469

Difference

$604

📦Other

↑ 6.8%

Abilene, TX

$1,599

Charlotte, NC

$1,707

Difference

$109

🛒Groceries

↑ 11.8%

Abilene, TX

$885

Charlotte, NC

$989

Difference

$104

🏥Healthcare

↑ 9.1%

Abilene, TX

$585

Charlotte, NC

$638

Difference

$53.49

🚗Transportation

↑ 1.0%

Abilene, TX

$1,191

Charlotte, NC

$1,202

Difference

$11.47

⚡All Utilities

↓ 1.3%

Abilene, TX

$526

Charlotte, NC

$519

Difference

$7.07

less

🏠Rent Comparison

Studio

From$788

To$1,630

↑ $842

1 Bed

From$796

To$1,710

↑ $914

2 Bed

From$993

To$1,870

↑ $877

3 Bed

From$1,285

To$2,300

↑ $1,015

Abilene, TXZIP-level data

1BR range: $900–$1,090/mo

Charlotte, NCZIP-level data

1BR range: $1,340–$2,310/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,651

Monthly in Abilene, TX

$7,525

Monthly in Charlotte, NC

$874

Difference

Home Values

Abilene

Charlotte

$195K

Median Value

$399K

↑ +2.8%

YoY Change

↓ -1.1%

↑ +30.4%

5-Year Change

↑ +40.8%

$130K - $285K

Price Range

$293K - $1.57M

Homes in Charlotte are 104% more expensive than Abilene

Calculate payment - Abilene Calculate payment - Charlotte

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $7.1K

More taxes

Monthly Difference

$594

Less take-home

Effective Rate Diff

4.7%

Rate difference

Abilene, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Charlotte, NC

Federal Income Tax

Effective: 18.9%

$25.5K

North Carolina State Tax

Effective: 4.8%

$7.1K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.4%

$44.1K

Take-Home Pay

$8,822/month

$105.9K

Additional Tax Information

Abilene, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Charlotte, NC Tax Rates

Sales Tax:7.1%

Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Abilene

Charlotte

54 Moderate

Air Quality

51 Moderate

35.5%

Good Air Days

46.2%

99 High

Climate Risk

97 High

🌊🌡🌪

Top Hazards

🌊🌪💨

▲+2.7°F

2050 Outlook

▲+2.9°F

94 days

Heat Days >95°F

36 days

▲+2.7°F

2050 Outlook

▲+2.9°F

94 days

Heat Days >95°F

36 days

💰 See how taxes change too — compare take-home pay between Texas and North Carolina on TaxTakeHome.com

Where your money goes further

Cities cheaper than Abilene, TX on a $150.0K salary

Similar cost to Charlotte, NC

Other cities in a similar price range

Austin, TX Denver, CO Nashville, TN

Want to compare different cities?

New Comparison

You'd spend $759/month more in Charlotte, NC

Abilene, TX

Charlotte, NC

Abilene, TX

Charlotte, NC

Notable Facts

Major Industries

Cost Breakdown by Category

🏠Rent Comparison

📍 Rent by ZIP Code5 ZIPs

📍 Rent by ZIP Code25 ZIPs

Home Values

🏠 Home Values by ZIP5 ZIPs

🏠 Home Values by ZIP24 ZIPs

Tax Comparison

Abilene, TX

Charlotte, NC

Additional Tax Information

Abilene, TX Tax Rates

Charlotte, NC Tax Rates

Environment

Where your money goes further

Similar cost to Charlotte, NC