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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $314/month moving to Raleigh, NC

$150.0K in your current city equals $146.2K in Raleigh, NC

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
4.2%
Less expensive
Monthly Impact
$314
Savings
Annual Impact
$3.8K
Per year

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

Bend, OR

Population:105K
Cost Index:
100
100 = national average
Median Home:$634K

Raleigh, NC

Population:474K
Cost Index:
96
(4% below avg)
Median Home:$512K

Bend, OR

The Beaver State

105K
Population
State Tax
Yes

Located in Oregon, this city has a population of 105K residents.

Raleigh, NC

The Tar Heel State

474K
Population
State Tax
Yes
Climate
Humid subtropical

Notable Facts

  • Research Triangle
  • State capital
  • Major university town

Major Industries

TechnologyResearchEducationGovernment

Cost Breakdown by Category

Annual spending: Bend, OR vs Raleigh, NC

Housing
25.1%
Bend, OR
$3,297
Raleigh, NC
$2,469
Difference
$828
less
Other
13.9%
Bend, OR
$1,499
Raleigh, NC
$1,707
Difference
$208
more
All Utilities
30.3%
Bend, OR
$419
Raleigh, NC
$546
Difference
$127
more
Transportation
4.2%
Bend, OR
$1,340
Raleigh, NC
$1,284
Difference
$56.24
less
Healthcare
2.7%
Bend, OR
$585
Raleigh, NC
$601
Difference
$15.98
more
Groceries
1.7%
Bend, OR
$944
Raleigh, NC
$959
Difference
$15.77
more

🏠Rent Comparison

Studio
From$937
To$1,570
$633
1 Bed
From$943
To$1,640
$697
2 Bed
From$1,225
To$1,800
$575
3 Bed
From$1,704
To$2,255
$551
Bend, ORZIP-level data

1BR range: $1,380$1,470/mo

Raleigh, NCZIP-level data

1BR range: $1,400$1,880/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.

$8,084
Monthly in Bend, OR
$7,567
Monthly in Raleigh, NC
$517
Difference

Home Values

Bend
Raleigh
$634K
Median Value
$512K
↓ -3.3%
YoY Change
↓ -0.5%
↑ +30.9%
5-Year Change
↑ +38.2%
$599K - $668K
Price Range
$314K - $992K

Homes in Raleigh are 19% less expensive than Bend

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$8.4K
Per year
Monthly Difference
$699
More take-home
Effective Rate Diff
5.6%
Rate difference

Bend, OR

Federal Income Tax
Effective: 18.9%
$25.5K
Oregon State Tax
Effective: 10.3%
$15.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 35.0%
$52.5K
Take-Home Pay
$8,123/month
$97.5K

Raleigh, 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

Bend, OR Tax Rates

Sales Tax:0.0%
Property Tax:0.9%

Raleigh, 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

Bend
Raleigh
35 Good
Air Quality
46 Good
85%
Good Air Days
61.7%
98 High
Climate Risk
96 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
+2.5°F
2050 Outlook
+2.8°F
9 days
Heat Days >95°F
31 days
+2.5°F
2050 Outlook
+2.8°F
9 days
Heat Days >95°F
31 days

What to Consider When Moving from Bend, OR to Raleigh, NC

Relocating from Bend, OR to Raleigh, NC involves more than just comparing rent prices. While the overall cost of living is about 4% lower in Raleigh, NC, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Raleigh, NC is 25% cheaper than in Bend, OR. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Raleigh, NC pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Raleigh, NC to match your current standard of living in Bend, OR.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Raleigh, NC for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Bend, OR vs Raleigh, NC

Is Raleigh, NC cheaper than Bend, OR?

Yes, Raleigh, NC is about 4.2% cheaper than Bend, OR. You could save approximately $314/month on a $150,000 salary. Housing costs are 25% lower in Raleigh, NC.

What salary do I need in Raleigh, NC to match my lifestyle in Bend, OR?

If you currently earn $150,000 in Bend, OR, you would need approximately $146,238 in Raleigh, NC to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Bend, OR and Raleigh, NC?

A two-bedroom apartment averages $1,225/month in Bend, OR compared to $1,800/month in Raleigh, NC. One-bedroom apartments are $943/month in Bend, OR vs $1,640/month in Raleigh, NC. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Bend, OR or Raleigh, NC?

Groceries are about 2% more expensive in Raleigh, NC than in Bend, OR, which adds roughly $15.77/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from Bend, OR to Raleigh, NC?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

💰 See how taxes change too — compare take-home pay between Oregon and North Carolina on TaxTakeHome.com

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