Is Charlotte, NC cheaper than Apple Valley, MN?

Based on cost of living data, Charlotte, NC is 4.0% cheaper than Apple Valley, MN. This translates to saving $303 per month.

What salary do I need in Charlotte, NC to live like I do in Apple Valley, MN?

If you earn $150,000 in Apple Valley, MN, you'd need approximately $146,362.8 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Apple Valley, MN and Charlotte, NC?

Housing in Charlotte, NC is 5.4% more expensive than in Apple Valley, MN. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,604/month in Apple Valley, MN.

How much can I save per month by moving from Apple Valley, MN to Charlotte, NC?

Moving from Apple Valley, MN to Charlotte, NC could save you approximately $303 per month, or $3637 per year, based on a $150,000 salary.

Apple Valley, MN vs Charlotte, NC: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Apple Valley, MN — ZIP-level rent data · COL adjusted from Saint Paul, MN area

Current salary in Apple Valley, MN

Numbers update automatically as you type

You'd save $303/month moving to Charlotte, NC

$150.0K in your current city equals $146.4K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Minneapolis-St. Paul-Bloomington, MN-WI area

Overall Cost

↓ 4.0%

Less expensive

Monthly Impact

$303

Savings

Annual Impact

$3.6K

Per year

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

Apple Valley, MN

Population:55K

Cost Index:100

Median Home:$365K

Charlotte, NC

Population:875K

Cost Index:96

Median Home:$399K

Apple Valley, MN

The North Star State

55K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 55K 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: Apple Valley, MN vs Charlotte, NC

Category	Apple Valley, MN	Charlotte, NC	Difference	Change
🏠Housing	$2,342/mo	$2,469/mo	↑ $127more	5.4%
🚗Transportation	$1,328/mo	$1,202/mo	↓ $126less	9.5%
🏥Healthcare	$742/mo	$638/mo	↓ $103less	14.0%
📦Other	$1,660/mo	$1,707/mo	↑ $47.55more	2.9%
🛒Groceries	$1,010/mo	$989/mo	↓ $20.60less	2.0%
⚡All Utilities	$499/mo	$519/mo	↑ $20.49more	4.1%

🏠Housing

↑ 5.4%

Apple Valley, MN

$2,342

Charlotte, NC

$2,469

Difference

$127

🚗Transportation

↓ 9.5%

Apple Valley, MN

$1,328

Charlotte, NC

$1,202

Difference

$126

less

🏥Healthcare

↓ 14.0%

Apple Valley, MN

$742

Charlotte, NC

$638

Difference

$103

less

📦Other

↑ 2.9%

Apple Valley, MN

$1,660

Charlotte, NC

$1,707

Difference

$47.55

🛒Groceries

↓ 2.0%

Apple Valley, MN

$1,010

Charlotte, NC

$989

Difference

$20.60

less

⚡All Utilities

↑ 4.1%

Apple Valley, MN

$499

Charlotte, NC

$519

Difference

$20.49

🏠Rent Comparison

Studio

From$1,162

To$1,630

↑ $468

1 Bed

From$1,317

To$1,710

↑ $393

2 Bed

From$1,604

To$1,870

↑ $266

3 Bed

From$2,119

To$2,300

↑ $181

Apple Valley, MNZIP-level data

1BR range: $1,610–$1,610/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.

$7,580

Monthly in Apple Valley, MN

$7,525

Monthly in Charlotte, NC

$55.13

Difference

Home Values

Apple Valley

Charlotte

$365K

Median Value

$399K

↑ +1%

YoY Change

↓ -1.1%

↑ +20.2%

5-Year Change

↑ +40.8%

$365K

Price Range

$293K - $1.57M

Homes in Charlotte are 9% more expensive than Apple Valley

Calculate payment - Apple Valley Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $3.3K

Per year

Monthly Difference

$276

More take-home

Effective Rate Diff

2.2%

Rate difference

Apple Valley, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

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

Apple Valley, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

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.