Beckley, WV vs Lumberton, NC: Cost of Living

Which city costs less?

Lumberton, NC has a modeled overall cost index 0.5% higher than Beckley, WV.

Beckley, WV · modeled 2BR rent
$950 / month
Lumberton, NC · modeled 2BR rent
$930 / 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 Beckley, WV and Lumberton, 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 savings: $67.77/month in Lumberton, NC

$150,000 in your current city has a modeled equivalent of $149,187 in Lumberton, NC

Regional cost estimates: Beckley, WV uses Winston-Salem, NC. Lumberton, NC uses Fayetteville, NC. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 0.5%
More expensive
Monthly Impact
$67.77
Savings
Annual Impact
$813
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.

Beckley, WV

Population:17K
Cost Index:
86.8
100 = national average
Typical Home:$139K

Lumberton, NC

Population:19K
Cost Index:
87.2
100 = national average
Typical Home:$136K

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Beckley, WV

The Mountain State

17K
Population
State Tax
Yes

Located in West Virginia, this city has a population of 17K residents.

Lumberton, NC

The Tar Heel State

19K
Population
State Tax
Yes

Located in North Carolina, this city has a population of 19K residents.

Cost Breakdown by Category

Estimated monthly spending: Beckley, WV vs Lumberton, 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.

Transportation
↓ 2.8%
Beckley, WV
$1,326
Lumberton, NC
$1,289
Difference
$37.37
less
Housing
↑ 0.7%
Beckley, WV
$2,116
Lumberton, NC
$2,131
Difference
$15.59
more
Groceries
↓ 1.4%
Beckley, WV
$1,071
Lumberton, NC
$1,056
Difference
$15.21
less
Other
↓ 0.8%
Beckley, WV
$1,736
Lumberton, NC
$1,723
Difference
$13.03
less
Healthcare
↓ 1.4%
Beckley, WV
$671
Lumberton, NC
$662
Difference
$9.53
less
All Utilities
↓ 1.4%
Beckley, WV
$580
Lumberton, NC
$572
Difference
$8.23
less

🏠Rent Comparison

Studio
From$720
To$740
↑ $20.00
1 Bed
From$720
To$750
↑ $30.00
2 Bed
From$950
To$930
↓ $20.00
3 Bed
From$1,320
To$1,190
↓ $130
Beckley, WVZIP-level data

1BR range: $720–$720/mo

Lumberton, NCZIP-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 Beckley, WV
$7,432
Monthly in Lumberton, NC
$67.77
Difference

Home Values

Beckley
Lumberton
$139K
Median Value
$136K
↓ -5.2%
YoY Change
↓ -2.4%
↑ +37.4%
5-Year Change
↑ +34.4%

Homes in Lumberton are 3% less expensive than Beckley

Calculate payment - BeckleyCalculate payment - Lumberton

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $1.5K
Per year
Monthly Difference
$125
More take-home
Effective Rate Diff
1.0%
Rate difference

Beckley, WV

Federal Income Tax
Effective: 18.9%
$25.5K
West Virginia State Tax
Effective: 5.8%
$8.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.4%
$45.6K
Take-Home Pay
$8,697/month
$104.4K

Lumberton, 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

Beckley, WV Tax Rates

Sales Tax:6.7%
Property Tax:0.6%

Lumberton, 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

Beckley
Lumberton
47 Good
Air Quality
46 Good
57.4%
Good Air Days
63.7%
92 Moderate
Climate Risk
89 Moderate
🌊🌪💨
Top Hazards
🌀🌪
▲+2.8°F
2050 Outlook
▲+2.5°F
30 days
Heat Days >95°F
36 days
▲+2.8°F
2050 Outlook
▲+2.5°F
30 days
Heat Days >95°F
36 days

Before moving from Beckley, WV to Lumberton, 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 Lumberton, NC for the same bedroom count and included utilities as your home in Beckley, WV. 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 Beckley to Lumberton moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Beckley, WV vs Lumberton, NC

How do the cost estimates for Beckley, WV and Lumberton, NC compare?

Lumberton, NC has a modeled overall cost index 0.5% higher than Beckley, WV. 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 Beckley, WV, the model estimates $149,187 in Lumberton, 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 Beckley, WV and Lumberton, NC?

The modeled two-bedroom rents are $950/month in Beckley, WV and $930/month in Lumberton, 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 West Virginia and North Carolina on TaxTakeHome.com

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