Is Charlotte, NC cheaper than Beverly, MA?

Based on cost of living data, Charlotte, NC is 30.7% cheaper than Beverly, MA. This translates to saving $2303 per month.

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

If you earn $150,000 in Beverly, MA, you'd need approximately $122,361.03 in Charlotte, NC to maintain the same standard of living.

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

Housing in Charlotte, NC is 44.7% cheaper than in Beverly, MA. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $2,140/month in Beverly, MA.

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

Moving from Beverly, MA to Charlotte, NC could save you approximately $2303 per month, or $27639 per year, based on a $150,000 salary.

Beverly, MA vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Beverly, MA — ZIP-level rent data · COL adjusted from Boston, MA area

Current salary in Beverly, MA

Numbers update automatically as you type

You'd save $2.3K/month moving to Charlotte, NC

$150.0K in your current city equals $122.4K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Boston-Cambridge-Newton, MA-NH area

Overall Cost

↓ 30.7%

Less expensive

Monthly Impact

$2,303

Savings

Annual Impact

$27.6K

Per year

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

Beverly, MA

Population:42K

Cost Index:100

Median Home:$731K

Charlotte, NC

Population:875K

Cost Index:69

Median Home:$399K

Beverly, MA

The Bay State

42K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 42K 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: Beverly, MA vs Charlotte, NC

Category	Beverly, MA	Charlotte, NC	Difference	Change
🏠Housing	$4,461/mo	$2,469/mo	↓ $1,992less	44.7%
🚗Transportation	$1,720/mo	$1,202/mo	↓ $518less	30.1%
⚡All Utilities	$694/mo	$519/mo	↓ $175less	25.2%
🏥Healthcare	$721/mo	$638/mo	↓ $82.50less	11.4%
🛒Groceries	$1,046/mo	$989/mo	↓ $56.80less	5.4%
📦Other	$1,714/mo	$1,707/mo	↓ $6.86less	0.4%

🏠Housing

↓ 44.7%

Beverly, MA

$4,461

Charlotte, NC

$2,469

Difference

$1,992

less

🚗Transportation

↓ 30.1%

Beverly, MA

$1,720

Charlotte, NC

$1,202

Difference

$518

less

⚡All Utilities

↓ 25.2%

Beverly, MA

$694

Charlotte, NC

$519

Difference

$175

less

🏥Healthcare

↓ 11.4%

Beverly, MA

$721

Charlotte, NC

$638

Difference

$82.50

less

🛒Groceries

↓ 5.4%

Beverly, MA

$1,046

Charlotte, NC

$989

Difference

$56.80

less

📦Other

↓ 0.4%

Beverly, MA

$1,714

Charlotte, NC

$1,707

Difference

$6.86

less

🏠Rent Comparison

Studio

From$1,717

To$1,630

↓ $87.00

1 Bed

From$1,805

To$1,710

↓ $95.00

2 Bed

From$2,140

To$1,870

↓ $270

3 Bed

From$2,564

To$2,300

↓ $264

Beverly, MAZIP-level data

1BR range: $2,260–$2,260/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.

$10,355

Monthly in Beverly, MA

$7,525

Monthly in Charlotte, NC

$2,831

Difference

Home Values

Beverly

Charlotte

$731K

Median Value

$399K

↑ +2.8%

YoY Change

↓ -1.1%

↑ +33.1%

5-Year Change

↑ +40.8%

$731K

Price Range

$293K - $1.57M

Homes in Charlotte are 45% less expensive than Beverly

Calculate payment - Beverly 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

Beverly, 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

Beverly, 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.