Is Charlotte, NC cheaper than Biloxi, MS?

Based on cost of living data, Charlotte, NC is 6.5% more expensive than Biloxi, MS. This translates to spending an extra $488 per month.

What salary do I need in Charlotte, NC to live like I do in Biloxi, MS?

If you earn $150,000 in Biloxi, MS, you'd need approximately $155,852.42 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Biloxi, MS and Charlotte, NC?

Housing in Charlotte, NC is 20.9% more expensive than in Biloxi, MS. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $867/month in Biloxi, MS.

How much can I save per month by moving from Biloxi, MS to Charlotte, NC?

Living in Charlotte, NC costs approximately $488 more per month than Biloxi, MS, or $5852 more per year, based on a $150,000 salary.

Biloxi, MS vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Biloxi, MS — ZIP-level rent data · COL adjusted from New Orleans, LA area

Current salary in Biloxi, MS

Numbers update automatically as you type

You'd spend $488/month more in Charlotte, NC

$150.0K in your current city equals $155.9K in Charlotte, NC

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

Overall Cost

↑ 6.5%

More expensive

Monthly Impact

$488

Extra cost

Annual Impact

$5.9K

Per year

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

Biloxi, MS

Population:48K

Cost Index:100

Median Home:$172K

Charlotte, NC

Population:875K

Cost Index:107

Median Home:$399K

Biloxi, MS

The Magnolia State

48K

Population

State Tax

Yes

Located in Mississippi, this city has a population of 48K 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: Biloxi, MS vs Charlotte, NC

Category	Biloxi, MS	Charlotte, NC	Difference	Change
🏠Housing	$2,041/mo	$2,469/mo	↑ $427more	20.9%
🏥Healthcare	$459/mo	$638/mo	↑ $180more	39.1%
📦Other	$1,795/mo	$1,707/mo	↓ $87.15less	4.9%
⚡All Utilities	$474/mo	$519/mo	↑ $45.42more	9.6%
🛒Groceries	$944/mo	$989/mo	↑ $45.16more	4.8%
🚗Transportation	$1,179/mo	$1,202/mo	↑ $22.76more	1.9%

🏠Housing

↑ 20.9%

Biloxi, MS

$2,041

Charlotte, NC

$2,469

Difference

$427

🏥Healthcare

↑ 39.1%

Biloxi, MS

$459

Charlotte, NC

$638

Difference

$180

📦Other

↓ 4.9%

Biloxi, MS

$1,795

Charlotte, NC

$1,707

Difference

$87.15

less

⚡All Utilities

↑ 9.6%

Biloxi, MS

$474

Charlotte, NC

$519

Difference

$45.42

🛒Groceries

↑ 4.8%

Biloxi, MS

$944

Charlotte, NC

$989

Difference

$45.16

🚗Transportation

↑ 1.9%

Biloxi, MS

$1,179

Charlotte, NC

$1,202

Difference

$22.76

🏠Rent Comparison

Studio

From$597

To$1,630

↑ $1,033

1 Bed

From$698

To$1,710

↑ $1,012

2 Bed

From$867

To$1,870

↑ $1,003

3 Bed

From$1,121

To$2,300

↑ $1,179

Biloxi, MSZIP-level data

1BR range: $810–$920/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.

$6,892

Monthly in Biloxi, MS

$7,525

Monthly in Charlotte, NC

$633

Difference

Home Values

Biloxi

Charlotte

$172K

Median Value

$399K

↓ -1.6%

YoY Change

↓ -1.1%

↑ +29%

5-Year Change

↑ +40.8%

$147K - $198K

Price Range

$293K - $1.57M

Homes in Charlotte are 131% more expensive than Biloxi

Calculate payment - Biloxi Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $225

Per year

Monthly Difference

$18.75

More take-home

Effective Rate Diff

0.2%

Rate difference

Biloxi, MS

Federal Income Tax

Effective: 18.9%

$25.5K

Mississippi State Tax

Effective: 4.9%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,803/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

Biloxi, MS Tax Rates

Sales Tax:7.1%

Property Tax:0.6%

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.