Albemarle, NC vs Mountain Home, AR: Cost of Living

Which city costs less?

Mountain Home, AR has a modeled overall cost index 19.3% lower than Albemarle, NC.

Albemarle, NC · modeled 2BR rent
$950 / month
Mountain Home, AR · modeled 2BR rent
$980 / 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

Adjust your income and compare the budget ↓
Tap to swap

Cost of Living Comparison 2026

Compare Albemarle, NC and Mountain Home, AR 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

$
Numbers update automatically as you type

Estimated savings: $1,236/month in Mountain Home, AR

$150,000 in your current city has a modeled equivalent of $135,163 in Mountain Home, AR

Regional cost estimates: Albemarle, NC uses Charlotte, NC. Mountain Home, AR uses Memphis, TN. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 19.3%
Less expensive
Monthly Impact
$1,236
Savings
Annual Impact
$14.8K
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.

Albemarle, NC

Population:17K
Cost Index:
88.2
100 = national average
Typical Home:$255K

Mountain Home, AR

Population:13K
Cost Index:
71.2
100 = national average
Typical Home:$227K

Planning the move to Mountain Home?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Albemarle, NC

The Tar Heel State

17K
Population
State Tax
Yes

Located in North Carolina, this city has a population of 17K residents.

Mountain Home, AR

The Natural State

13K
Population
State Tax
Yes

Located in Arkansas, this city has a population of 13K residents.

Cost Breakdown by Category

Estimated monthly spending: Albemarle, NC vs Mountain Home, AR

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.

Housing
↓ 31.9%
Albemarle, NC
$2,257
Mountain Home, AR
$1,536
Difference
$721
less
Other
↓ 10.7%
Albemarle, NC
$1,735
Mountain Home, AR
$1,548
Difference
$186
less
Healthcare
↓ 21.3%
Albemarle, NC
$680
Mountain Home, AR
$535
Difference
$145
less
Groceries
↓ 9.4%
Albemarle, NC
$1,054
Mountain Home, AR
$955
Difference
$99.06
less
Transportation
↓ 5.8%
Albemarle, NC
$1,221
Mountain Home, AR
$1,150
Difference
$71.34
less
All Utilities
↓ 2.6%
Albemarle, NC
$553
Mountain Home, AR
$539
Difference
$14.21
less

🏠Rent Comparison

Studio
From$650
To$740
↑ $90.00
1 Bed
From$720
To$750
↑ $30.00
2 Bed
From$950
To$980
↑ $30.00
3 Bed
From$1,320
To$1,290
↓ $30.00
Albemarle, NCZIP-level data

1BR range: $720–$720/mo

Mountain Home, ARZIP-level data

1BR range: $750–$750/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 Albemarle, NC
$6,264
Monthly in Mountain Home, AR
$1,236
Difference

Home Values

Albemarle
Mountain Home
$255K
Median Value
$227K
↓ -0.4%
YoY Change
↑ +1.4%
↑ +50.6%
5-Year Change
↑ +41.3%

Homes in Mountain Home are 11% less expensive than Albemarle

Calculate payment - AlbemarleCalculate payment - Mountain Home

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $1.9K
More taxes
Monthly Difference
$158
Less take-home
Effective Rate Diff
1.3%
Rate difference

Albemarle, 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

Mountain Home, AR

Federal Income Tax
Effective: 18.9%
$25.5K
Arkansas State Tax
Effective: 6.0%
$9.0K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.7%
$46.0K
Take-Home Pay
$8,664/month
$104.0K

Additional Tax Information

Albemarle, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

Mountain Home, AR Tax Rates

Sales Tax:9.4%
Property Tax:0.6%

💡 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

Albemarle
Mountain Home
51 Moderate
Air Quality
55 Moderate
46.2%
Good Air Days
34.4%
97 High
Climate Risk
99 High
🌊🌪💨
Top Hazards
🌊🌡🫨
▲+2.9°F
2050 Outlook
▲+2.8°F
36 days
Heat Days >95°F
54 days
▲+2.9°F
2050 Outlook
▲+2.8°F
36 days
Heat Days >95°F
54 days

Before moving from Albemarle, NC to Mountain Home, AR

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

  1. Compare actual homes. Get current quotes in Mountain Home, AR for the same bedroom count and included utilities as your home in Albemarle, NC. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Albemarle to Mountain Home moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Mountain Home, AR by cost, housing, population and region.

Frequently Asked Questions: Albemarle, NC vs Mountain Home, AR

How do the cost estimates for Albemarle, NC and Mountain Home, AR compare?

Mountain Home, AR has a modeled overall cost index 19.3% lower than Albemarle, NC. 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 Albemarle, NC, the model estimates $135,163 in Mountain Home, AR. 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 Albemarle, NC and Mountain Home, AR?

The modeled two-bedroom rents are $950/month in Albemarle, NC and $980/month in Mountain Home, AR. 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 North Carolina and Arkansas on TaxTakeHome.com

Where your money goes further

Cities cheaper than Albemarle, NC on a $150.0K salary

1.St. Louis, MO
Save $5.27/mo

Want to compare different cities?

New Comparison