Is Charlotte, NC cheaper than Beloit, WI?

Based on cost of living data, Charlotte, NC is 2.1% cheaper than Beloit, WI. This translates to saving $156 per month.

What salary do I need in Charlotte, NC to live like I do in Beloit, WI?

If you earn $150,000 in Beloit, WI, you'd need approximately $148,131.44 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Beloit, WI and Charlotte, NC?

Housing in Charlotte, NC is 5.6% more expensive than in Beloit, WI. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,123/month in Beloit, WI.

How much can I save per month by moving from Beloit, WI to Charlotte, NC?

Moving from Beloit, WI to Charlotte, NC could save you approximately $156 per month, or $1869 per year, based on a $150,000 salary.

Beloit, WI vs Charlotte, NC: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Beloit, WI — COL adjusted from Madison, WI area + state data

Current salary in Beloit, WI

Numbers update automatically as you type

You'd save $156/month moving to Charlotte, NC

$150.0K in your current city equals $148.1K in Charlotte, NC

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

Overall Cost

↓ 2.1%

Less expensive

Monthly Impact

$156

Savings

Annual Impact

$1.9K

Per year

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

Beloit, WI

Population:36K

Cost Index:100

Median Home:$427K

Charlotte, NC

Population:875K

Cost Index:98

Median Home:$399K

Beloit, WI

The Badger State

36K

Population

State Tax

Yes

Located in Wisconsin, this city has a population of 36K 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: Beloit, WI vs Charlotte, NC

Category	Beloit, WI	Charlotte, NC	Difference	Change
🏠Housing	$2,339/mo	$2,469/mo	↑ $130more	5.6%
🚗Transportation	$1,327/mo	$1,202/mo	↓ $125less	9.4%
🏥Healthcare	$698/mo	$638/mo	↓ $59.91less	8.6%
🛒Groceries	$932/mo	$989/mo	↑ $57.52more	6.2%
⚡All Utilities	$494/mo	$519/mo	↑ $25.52more	5.2%
📦Other	$1,690/mo	$1,707/mo	↑ $17.69more	1.0%

🏠Housing

↑ 5.6%

Beloit, WI

$2,339

Charlotte, NC

$2,469

Difference

$130

🚗Transportation

↓ 9.4%

Beloit, WI

$1,327

Charlotte, NC

$1,202

Difference

$125

less

🏥Healthcare

↓ 8.6%

Beloit, WI

$698

Charlotte, NC

$638

Difference

$59.91

less

🛒Groceries

↑ 6.2%

Beloit, WI

$932

Charlotte, NC

$989

Difference

$57.52

⚡All Utilities

↑ 5.2%

Beloit, WI

$494

Charlotte, NC

$519

Difference

$25.52

📦Other

↑ 1.0%

Beloit, WI

$1,690

Charlotte, NC

$1,707

Difference

$17.69

🏠Rent Comparison

Studio

From$762

To$1,630

↑ $868

1 Bed

From$882

To$1,710

↑ $828

2 Bed

From$1,123

To$1,870

↑ $747

3 Bed

From$1,524

To$2,300

↑ $776

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.

$7,479

Monthly in Beloit, WI

$7,525

Monthly in Charlotte, NC

$45.50

Difference

Home Values

Beloit

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

↑ $1.7K

Per year

Monthly Difference

$144

More take-home

Effective Rate Diff

1.1%

Rate difference

Beloit, WI

Federal Income Tax

Effective: 18.9%

$25.5K

Wisconsin State Tax

Effective: 5.9%

$8.8K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.6%

$45.9K

Take-Home Pay

$8,678/month

$104.1K

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

Beloit, WI Tax Rates

Sales Tax:5.6%

Property Tax:1.8%

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.