Albany, GA vs Rocky Mount, NC: Cost of Living

Which city costs less?

Rocky Mount, NC has a modeled overall cost index 3.3% higher than Albany, GA.

Albany, GA · modeled 2BR rent: $1,220 / month
Rocky Mount, NC · modeled 2BR rent: $1,160 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Albany, GA and Rocky Mount, NC using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Albany, GA

Numbers update automatically as you type

Estimated savings: $156/month in Rocky Mount, NC

$150,000 in your current city has a modeled equivalent of $148,123 in Rocky Mount, NC

Regional cost estimates: Albany, GA uses Columbus, GA. Rocky Mount, NC uses Raleigh, NC. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 3.3%

More expensive

Monthly Impact

$156

Savings

Annual Impact

$1.9K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Albany, GA

Population:67K

Cost Index:

89.7

100 = national average

Typical Home:$106K

Rocky Mount, NC

Population:54K

Cost Index:

92.7

100 = national average

Typical Home:$159K

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Albany, GA

The Peach State

67K

Population

State Tax

Yes

Located in Georgia, this city has a population of 67K residents.

Rocky Mount, NC

The Tar Heel State

54K

Population

State Tax

Yes

Located in North Carolina, this city has a population of 54K residents.

Cost Breakdown by Category

Estimated monthly spending: Albany, GA vs Rocky Mount, NC

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Albany, GA	Rocky Mount, NC	Difference	Change
Transportation	$1,558/mo	$1,280/mo	↓ $278less	17.9%
Housing	$2,069/mo	$2,214/mo	↑ $145more	7.0%
Healthcare	$545/mo	$613/mo	↑ $67.98more	12.5%
All Utilities	$619/mo	$557/mo	↓ $62.25less	10.1%
Groceries	$1,016/mo	$978/mo	↓ $38.15less	3.8%
Other	$1,693/mo	$1,702/mo	↑ $8.73more	0.5%

Transportation

↓ 17.9%

Albany, GA

$1,558

Rocky Mount, NC

$1,280

Difference

$278

less

Housing

↑ 7.0%

Albany, GA

$2,069

Rocky Mount, NC

$2,214

Difference

$145

Healthcare

↑ 12.5%

Albany, GA

$545

Rocky Mount, NC

$613

Difference

$67.98

All Utilities

↓ 10.1%

Albany, GA

$619

Rocky Mount, NC

$557

Difference

$62.25

less

Groceries

↓ 3.8%

Albany, GA

$1,016

Rocky Mount, NC

$978

Difference

$38.15

less

Other

↑ 0.5%

Albany, GA

$1,693

Rocky Mount, NC

$1,702

Difference

$8.73

🏠Rent Comparison

Studio

From$1,045

To$925

↓ $120

1 Bed

From$1,085

To$930

↓ $155

2 Bed

From$1,220

To$1,160

↓ $60.00

3 Bed

From$1,655

To$1,565

↓ $90.00

Albany, GAZIP-level data

1BR range: $980–$1,190/mo

Rocky Mount, NCZIP-level data

1BR range: $890–$970/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Albany, GA

$7,344

Monthly in Rocky Mount, NC

$156

Difference

Home Values

Albany

Rocky Mount

$106K

Median Value

$159K

↓ -7.7%

YoY Change

↓ -4.1%

↑ +32.8%

5-Year Change

↑ +45.3%

$77K - $135K

Price Range

$117K - $201K

Homes in Rocky Mount are 50% more expensive than Albany

Calculate payment - Albany Calculate payment - Rocky Mount

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.3K

Per year

Monthly Difference

$111

More take-home

Effective Rate Diff

0.9%

Rate difference

Albany, GA

Federal Income Tax

Effective: 18.9%

$25.5K

Georgia State Tax

Effective: 5.6%

$8.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.5K

Take-Home Pay

$8,711/month

$104.5K

Rocky Mount, 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

Albany, GA Tax Rates

Sales Tax:7.3%

Property Tax:0.9%

Rocky Mount, 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

Albany

Rocky Mount

49 Good

Air Quality

46 Good

52.7%

Good Air Days

61.7%

82 Moderate

Climate Risk

96 High

None

Top Hazards

🌊🌡🌪

▲+2.8°F

2050 Outlook

▲+2.8°F

64 days

Heat Days >95°F

31 days

▲+2.8°F

2050 Outlook

▲+2.8°F

64 days

Heat Days >95°F

31 days

Before moving from Albany, GA to Rocky Mount, NC

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Rocky Mount, NC for the same bedroom count and included utilities as your home in Albany, GA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Albany to Rocky Mount moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Rocky Mount, NC by cost, housing, population and region.

Frequently Asked Questions: Albany, GA vs Rocky Mount, NC

How do the cost estimates for Albany, GA and Rocky Mount, NC compare?

Rocky Mount, NC has a modeled overall cost index 3.3% higher than Albany, GA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Albany, GA, the model estimates $148,123 in Rocky Mount, NC. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Albany, GA and Rocky Mount, NC?

The modeled two-bedroom rents are $1,220/month in Albany, GA and $1,160/month in Rocky Mount, NC. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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