Is Charlotte, NC cheaper than Amherst Town, MA?

Based on cost of living data, Charlotte, NC is 9.7% cheaper than Amherst Town, MA. This translates to saving $728 per month.

What salary do I need in Charlotte, NC to live like I do in Amherst Town, MA?

If you earn $150,000 in Amherst Town, MA, you'd need approximately $141,263.857 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Amherst Town, MA and Charlotte, NC?

Housing in Charlotte, NC is 27.9% cheaper than in Amherst Town, MA. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,900/month in Amherst Town, MA.

How much can I save per month by moving from Amherst Town, MA to Charlotte, NC?

Moving from Amherst Town, MA to Charlotte, NC could save you approximately $728 per month, or $8736 per year, based on a $150,000 salary.

Amherst Town, MA vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Amherst Town, MA — COL adjusted from Boston, MA area + state data

Current salary in Amherst Town, MA

Numbers update automatically as you type

You'd save $728/month moving to Charlotte, NC

$150.0K in your current city equals $141.3K in Charlotte, NC

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

Overall Cost

↓ 9.7%

Less expensive

Monthly Impact

$728

Savings

Annual Impact

$8.7K

Per year

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

Amherst Town, MA

Population:40K

Cost Index:100

Median Home:$961K

Charlotte, NC

Population:875K

Cost Index:90

Median Home:$399K

Amherst Town, MA

The Bay State

40K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 40K residents.

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: Amherst Town, MA vs Charlotte, NC

Category	Amherst Town, MA	Charlotte, NC	Difference	Change
🏠Housing	$3,423/mo	$2,469/mo	↓ $954less	27.9%
📦Other	$1,316/mo	$1,707/mo	↑ $392more	29.8%
🚗Transportation	$1,320/mo	$1,202/mo	↓ $118less	8.9%
⚡All Utilities	$608/mo	$519/mo	↓ $88.70less	14.6%
🛒Groceries	$916/mo	$989/mo	↑ $72.90more	8.0%
🏥Healthcare	$631/mo	$638/mo	↑ $6.86more	1.1%

🏠Housing

↓ 27.9%

Amherst Town, MA

$3,423

Charlotte, NC

$2,469

Difference

$954

less

📦Other

↑ 29.8%

Amherst Town, MA

$1,316

Charlotte, NC

$1,707

Difference

$392

🚗Transportation

↓ 8.9%

Amherst Town, MA

$1,320

Charlotte, NC

$1,202

Difference

$118

less

⚡All Utilities

↓ 14.6%

Amherst Town, MA

$608

Charlotte, NC

$519

Difference

$88.70

less

🛒Groceries

↑ 8.0%

Amherst Town, MA

$916

Charlotte, NC

$989

Difference

$72.90

🏥Healthcare

↑ 1.1%

Amherst Town, MA

$631

Charlotte, NC

$638

Difference

$6.86

🏠Rent Comparison

Studio

From$1,318

To$1,630

↑ $312

1 Bed

From$1,532

To$1,710

↑ $178

2 Bed

From$1,900

To$1,870

↓ $30.00

3 Bed

From$2,451

To$2,300

↓ $151

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.

$8,214

Monthly in Amherst Town, MA

$7,525

Monthly in Charlotte, NC

$689

Difference

Home Values

Amherst Town

Charlotte

Median Value

$399K

YoY Change

↓ -1.1%

5-Year Change

↑ +40.8%

Price Range

$293K - $1.57M

Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $375

Per year

Monthly Difference

$31.25

More take-home

Effective Rate Diff

0.3%

Rate difference

Amherst Town, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

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

Amherst Town, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

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.