Is Charlotte, NC cheaper than Bergenfield, NJ?

Based on cost of living data, Charlotte, NC is 18.3% cheaper than Bergenfield, NJ. This translates to saving $1369 per month.

What salary do I need in Charlotte, NC to live like I do in Bergenfield, NJ?

If you earn $150,000 in Bergenfield, NJ, you'd need approximately $133,572.568 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Bergenfield, NJ and Charlotte, NC?

Housing in Charlotte, NC is 22.2% cheaper than in Bergenfield, NJ. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,848/month in Bergenfield, NJ.

How much can I save per month by moving from Bergenfield, NJ to Charlotte, NC?

Moving from Bergenfield, NJ to Charlotte, NC could save you approximately $1369 per month, or $16427 per year, based on a $150,000 salary.

Bergenfield, NJ vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Bergenfield, NJ — ZIP-level rent data · COL adjusted from Jersey City, NJ area

Current salary in Bergenfield, NJ

Numbers update automatically as you type

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

$150.0K in your current city equals $133.6K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 18.3%

Less expensive

Monthly Impact

$1,369

Savings

Annual Impact

$16.4K

Per year

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

Bergenfield, NJ

Population:28K

Cost Index:100

Median Home:$617K

Charlotte, NC

Population:875K

Cost Index:82

Median Home:$399K

Bergenfield, NJ

The Garden State

28K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 28K 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: Bergenfield, NJ vs Charlotte, NC

Category	Bergenfield, NJ	Charlotte, NC	Difference	Change
🏠Housing	$3,175/mo	$2,469/mo	↓ $706less	22.2%
🚗Transportation	$1,517/mo	$1,202/mo	↓ $315less	20.8%
📦Other	$1,923/mo	$1,707/mo	↓ $215less	11.2%
🛒Groceries	$1,071/mo	$989/mo	↓ $81.67less	7.6%
⚡All Utilities	$580/mo	$519/mo	↓ $61.19less	10.5%
🏥Healthcare	$670/mo	$638/mo	↓ $31.89less	4.8%

🏠Housing

↓ 22.2%

Bergenfield, NJ

$3,175

Charlotte, NC

$2,469

Difference

$706

less

🚗Transportation

↓ 20.8%

Bergenfield, NJ

$1,517

Charlotte, NC

$1,202

Difference

$315

less

📦Other

↓ 11.2%

Bergenfield, NJ

$1,923

Charlotte, NC

$1,707

Difference

$215

less

🛒Groceries

↓ 7.6%

Bergenfield, NJ

$1,071

Charlotte, NC

$989

Difference

$81.67

less

⚡All Utilities

↓ 10.5%

Bergenfield, NJ

$580

Charlotte, NC

$519

Difference

$61.19

less

🏥Healthcare

↓ 4.8%

Bergenfield, NJ

$670

Charlotte, NC

$638

Difference

$31.89

less

🏠Rent Comparison

Studio

From$1,412

To$1,630

↑ $218

1 Bed

From$1,606

To$1,710

↑ $104

2 Bed

From$1,848

To$1,870

↑ $22.00

3 Bed

From$2,251

To$2,300

↑ $49.00

Bergenfield, NJZIP-level data

1BR range: $1,990–$1,990/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.

$8,936

Monthly in Bergenfield, NJ

$7,525

Monthly in Charlotte, NC

$1,411

Difference

Home Values

Bergenfield

Charlotte

$617K

Median Value

$399K

↑ +2.9%

YoY Change

↓ -1.1%

↑ +36.9%

5-Year Change

↑ +40.8%

$617K

Price Range

$293K - $1.57M

Homes in Charlotte are 35% less expensive than Bergenfield

Calculate payment - Bergenfield Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $306

Per year

Monthly Difference

$25.46

More take-home

Effective Rate Diff

0.2%

Rate difference

Bergenfield, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

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

Bergenfield, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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.