Is Charlotte, NC cheaper than Bloomington, IL?

Based on cost of living data, Charlotte, NC is 9.0% more expensive than Bloomington, IL. This translates to spending an extra $674 per month.

What salary do I need in Charlotte, NC to live like I do in Bloomington, IL?

If you earn $150,000 in Bloomington, IL, you'd need approximately $158,090.755 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Bloomington, IL and Charlotte, NC?

Housing in Charlotte, NC is 8.7% more expensive than in Bloomington, IL. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $941/month in Bloomington, IL.

How much can I save per month by moving from Bloomington, IL to Charlotte, NC?

Living in Charlotte, NC costs approximately $674 more per month than Bloomington, IL, or $8091 more per year, based on a $150,000 salary.

Bloomington, IL vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Bloomington, IL — ZIP-level rent data · COL adjusted from Chicago, IL area

Current salary in Bloomington, IL

Numbers update automatically as you type

You'd spend $674/month more in Charlotte, NC

$150.0K in your current city equals $158.1K in Charlotte, NC

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

Overall Cost

↑ 9.0%

More expensive

Monthly Impact

$674

Extra cost

Annual Impact

$8.1K

Per year

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

Bloomington, IL

Population:79K

Cost Index:100

Median Home:$239K

Charlotte, NC

Population:875K

Cost Index:109

Median Home:$399K

Bloomington, IL

The Prairie State

79K

Population

State Tax

Yes

Located in Illinois, this city has a population of 79K 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: Bloomington, IL vs Charlotte, NC

Category	Bloomington, IL	Charlotte, NC	Difference	Change
📦Other	$1,447/mo	$1,707/mo	↑ $260more	18.0%
🏠Housing	$2,272/mo	$2,469/mo	↑ $197more	8.7%
🚗Transportation	$1,383/mo	$1,202/mo	↓ $181less	13.1%
🏥Healthcare	$540/mo	$638/mo	↑ $98.47more	18.2%
🛒Groceries	$934/mo	$989/mo	↑ $55.38more	5.9%
⚡All Utilities	$471/mo	$519/mo	↑ $48.09more	10.2%

📦Other

↑ 18.0%

Bloomington, IL

$1,447

Charlotte, NC

$1,707

Difference

$260

🏠Housing

↑ 8.7%

Bloomington, IL

$2,272

Charlotte, NC

$2,469

Difference

$197

🚗Transportation

↓ 13.1%

Bloomington, IL

$1,383

Charlotte, NC

$1,202

Difference

$181

less

🏥Healthcare

↑ 18.2%

Bloomington, IL

$540

Charlotte, NC

$638

Difference

$98.47

🛒Groceries

↑ 5.9%

Bloomington, IL

$934

Charlotte, NC

$989

Difference

$55.38

⚡All Utilities

↑ 10.2%

Bloomington, IL

$471

Charlotte, NC

$519

Difference

$48.09

🏠Rent Comparison

Studio

From$672

To$1,630

↑ $958

1 Bed

From$724

To$1,710

↑ $986

2 Bed

From$941

To$1,870

↑ $929

3 Bed

From$1,242

To$2,300

↑ $1,058

Bloomington, ILZIP-level data

1BR range: $970–$1,100/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.

$7,047

Monthly in Bloomington, IL

$7,525

Monthly in Charlotte, NC

$478

Difference

Home Values

Bloomington

Charlotte

$239K

Median Value

$399K

↑ +4.1%

YoY Change

↓ -1.1%

↑ +46.8%

5-Year Change

↑ +40.8%

$167K - $312K

Price Range

$293K - $1.57M

Homes in Charlotte are 67% more expensive than Bloomington

Calculate payment - Bloomington Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $300

Per year

Monthly Difference

$25.00

More take-home

Effective Rate Diff

0.2%

Rate difference

Bloomington, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/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

Bloomington, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

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.

Environment

Bloomington

Charlotte

54 Moderate

Air Quality

51 Moderate

35.8%

Good Air Days

46.2%

100 Very High

Climate Risk

97 High

🌊🌡🫨

Top Hazards

🌊🌪💨

▲+3.2°F

2050 Outlook

▲+2.9°F

18 days

Heat Days >95°F

36 days

▲+3.2°F

2050 Outlook

▲+2.9°F

18 days

Heat Days >95°F

36 days

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

Where your money goes further

Cities cheaper than Bloomington, IL on a $150.0K salary

Similar cost to Charlotte, NC

Other cities in a similar price range

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Want to compare different cities?

New Comparison

You'd spend $674/month more in Charlotte, NC

Bloomington, IL

Charlotte, NC

Bloomington, IL

Charlotte, NC

Notable Facts

Major Industries

Cost Breakdown by Category

🏠Rent Comparison

📍 Rent by ZIP Code2 ZIPs

📍 Rent by ZIP Code25 ZIPs

Home Values

🏠 Home Values by ZIP2 ZIPs

🏠 Home Values by ZIP24 ZIPs

Tax Comparison

Bloomington, IL

Charlotte, NC

Additional Tax Information

Bloomington, IL Tax Rates

Charlotte, NC Tax Rates

Environment

Where your money goes further

Similar cost to Charlotte, NC