Apalachicola, FL vs Four Oaks, NC: Cost of Living

Which city costs less?

Four Oaks, NC has a modeled overall cost index 14.1% higher than Apalachicola, FL.

Apalachicola, FL · modeled 2BR rent
$1,400 / month
Four Oaks, NC · modeled 2BR rent
$1,350 / 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 Apalachicola, FL and Four Oaks, 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

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Estimated extra cost: $711/month in Four Oaks, NC

$150,000 in your current city has a modeled equivalent of $158,530 in Four Oaks, NC

Regional cost estimates: Apalachicola, FL uses Columbus, GA. Four Oaks, NC uses Raleigh, NC. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 14.1%
More expensive
Monthly Impact
$711
Extra cost
Annual Impact
$8.5K
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.

Apalachicola, FL

Population:2K
Cost Index:
75.4
100 = national average
Typical Home:$274K

Four Oaks, NC

Population:3K
Cost Index:
86.0
100 = national average
Typical Home:$302K

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Apalachicola, FL

The Sunshine State

2K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 2K residents.

💡 Advantage: Florida has no state income tax!

Four Oaks, NC

The Tar Heel State

3K
Population
State Tax
Yes

Located in North Carolina, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Apalachicola, FL vs Four Oaks, 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.

Housing
↑ 31.3%
Apalachicola, FL
$1,864
Four Oaks, NC
$2,449
Difference
$584
more
Other
↑ 11.0%
Apalachicola, FL
$1,695
Four Oaks, NC
$1,882
Difference
$187
more
Transportation
↓ 9.3%
Apalachicola, FL
$1,560
Four Oaks, NC
$1,415
Difference
$145
less
Healthcare
↑ 18.2%
Apalachicola, FL
$595
Four Oaks, NC
$703
Difference
$108
more
All Utilities
↓ 5.5%
Apalachicola, FL
$676
Four Oaks, NC
$639
Difference
$36.98
less
Groceries
↑ 1.2%
Apalachicola, FL
$1,110
Four Oaks, NC
$1,123
Difference
$12.77
more

🏠Rent Comparison

Studio
From$1,220
To$1,170
↓ $50.00
1 Bed
From$1,250
To$1,190
↓ $60.00
2 Bed
From$1,400
To$1,350
↓ $50.00
3 Bed
From$1,850
To$1,660
↓ $190
Apalachicola, FLZIP-level data

1BR range: $1,250–$1,250/mo

Four Oaks, NCZIP-level data

1BR range: $1,190–$1,190/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 Apalachicola, FL
$8,211
Monthly in Four Oaks, NC
$711
Difference

Home Values

Apalachicola
Four Oaks
$274K
Median Value
$302K
↓ -9.9%
YoY Change
↓ -1.3%
↑ +18.6%
5-Year Change
↑ +42.5%

Homes in Four Oaks are 10% more expensive than Apalachicola

Calculate payment - ApalachicolaCalculate payment - Four Oaks

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

Apalachicola, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Four Oaks, 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

Apalachicola, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Four Oaks, 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

Apalachicola
Four Oaks
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 Apalachicola, FL to Four Oaks, NC

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

  1. Compare actual homes. Get current quotes in Four Oaks, NC for the same bedroom count and included utilities as your home in Apalachicola, FL. 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 Apalachicola to Four Oaks moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Apalachicola, FL vs Four Oaks, NC

How do the cost estimates for Apalachicola, FL and Four Oaks, NC compare?

Four Oaks, NC has a modeled overall cost index 14.1% higher than Apalachicola, FL. 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 Apalachicola, FL, the model estimates $158,530 in Four Oaks, 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 Apalachicola, FL and Four Oaks, NC?

The modeled two-bedroom rents are $1,400/month in Apalachicola, FL and $1,350/month in Four Oaks, 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 Florida and North Carolina on TaxTakeHome.com

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