Is Charlotte, NC cheaper than Barnstable Town, MA?

Based on cost of living data, Charlotte, NC is 19.3% cheaper than Barnstable Town, MA. This translates to saving $1447 per month.

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

If you earn $150,000 in Barnstable Town, MA, you'd need approximately $132,632.041 in Charlotte, NC to maintain the same standard of living.

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

Housing in Charlotte, NC is 35.5% cheaper than in Barnstable Town, MA. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $2,126/month in Barnstable Town, MA.

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

Moving from Barnstable Town, MA to Charlotte, NC could save you approximately $1447 per month, or $17368 per year, based on a $150,000 salary.

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

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

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

Current salary in Barnstable Town, MA

Numbers update automatically as you type

You'd save $1.4K/month moving to Charlotte, NC

$150.0K in your current city equals $132.6K in Charlotte, NC

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

Overall Cost

↓ 19.3%

Less expensive

Monthly Impact

$1,447

Savings

Annual Impact

$17.4K

Per year

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

Barnstable Town, MA

Population:50K

Cost Index:100

Median Home:$961K

Charlotte, NC

Population:875K

Cost Index:81

Median Home:$399K

Barnstable Town, MA

The Bay State

50K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 50K 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: Barnstable Town, MA vs Charlotte, NC

Category	Barnstable Town, MA	Charlotte, NC	Difference	Change
🏠Housing	$3,830/mo	$2,469/mo	↓ $1,361less	35.5%
🚗Transportation	$1,477/mo	$1,202/mo	↓ $274less	18.6%
📦Other	$1,472/mo	$1,707/mo	↑ $236more	16.0%
⚡All Utilities	$643/mo	$519/mo	↓ $124less	19.3%
🏥Healthcare	$668/mo	$638/mo	↓ $29.60less	4.4%
🛒Groceries	$969/mo	$989/mo	↑ $19.98more	2.1%

🏠Housing

↓ 35.5%

Barnstable Town, MA

$3,830

Charlotte, NC

$2,469

Difference

$1,361

less

🚗Transportation

↓ 18.6%

Barnstable Town, MA

$1,477

Charlotte, NC

$1,202

Difference

$274

less

📦Other

↑ 16.0%

Barnstable Town, MA

$1,472

Charlotte, NC

$1,707

Difference

$236

⚡All Utilities

↓ 19.3%

Barnstable Town, MA

$643

Charlotte, NC

$519

Difference

$124

less

🏥Healthcare

↓ 4.4%

Barnstable Town, MA

$668

Charlotte, NC

$638

Difference

$29.60

less

🛒Groceries

↑ 2.1%

Barnstable Town, MA

$969

Charlotte, NC

$989

Difference

$19.98

🏠Rent Comparison

Studio

From$1,474

To$1,630

↑ $156

1 Bed

From$1,714

To$1,710

↓ $4.00

2 Bed

From$2,126

To$1,870

↓ $256

3 Bed

From$2,743

To$2,300

↓ $443

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.

$9,058

Monthly in Barnstable Town, MA

$7,525

Monthly in Charlotte, NC

$1,534

Difference

Home Values

Barnstable 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

Barnstable 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

Barnstable 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.