Is Charlotte, NC cheaper than Boca Raton, FL?

Based on cost of living data, Charlotte, NC is 10.5% cheaper than Boca Raton, FL. This translates to saving $790 per month.

What salary do I need in Charlotte, NC to live like I do in Boca Raton, FL?

If you earn $150,000 in Boca Raton, FL, you'd need approximately $140,525.431 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Boca Raton, FL and Charlotte, NC?

Housing in Charlotte, NC is 12.8% cheaper than in Boca Raton, FL. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $2,398/month in Boca Raton, FL.

How much can I save per month by moving from Boca Raton, FL to Charlotte, NC?

Moving from Boca Raton, FL to Charlotte, NC could save you approximately $790 per month, or $9475 per year, based on a $150,000 salary.

Boca Raton, FL vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Boca Raton, FL — ZIP-level rent data · COL adjusted from Hialeah, FL area

Current salary in Boca Raton, FL

Numbers update automatically as you type

You'd save $790/month moving to Charlotte, NC

$150.0K in your current city equals $140.5K in Charlotte, NC

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

Overall Cost

↓ 10.5%

Less expensive

Monthly Impact

$790

Savings

Annual Impact

$9.5K

Per year

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

Boca Raton, FL

Population:100K

Cost Index:100

Median Home:$669K

Charlotte, NC

Population:875K

Cost Index:89

Median Home:$399K

Boca Raton, FL

The Sunshine State

100K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 100K residents.

💡 Advantage: Florida has no state income tax!

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: Boca Raton, FL vs Charlotte, NC

Category	Boca Raton, FL	Charlotte, NC	Difference	Change
🏠Housing	$2,830/mo	$2,469/mo	↓ $361less	12.8%
🚗Transportation	$1,415/mo	$1,202/mo	↓ $213less	15.0%
📦Other	$1,863/mo	$1,707/mo	↓ $156less	8.4%
🛒Groceries	$1,062/mo	$989/mo	↓ $72.51less	6.8%
🏥Healthcare	$579/mo	$638/mo	↑ $59.07more	10.2%
⚡All Utilities	$511/mo	$519/mo	↑ $8.38more	1.6%

🏠Housing

↓ 12.8%

Boca Raton, FL

$2,830

Charlotte, NC

$2,469

Difference

$361

less

🚗Transportation

↓ 15.0%

Boca Raton, FL

$1,415

Charlotte, NC

$1,202

Difference

$213

less

📦Other

↓ 8.4%

Boca Raton, FL

$1,863

Charlotte, NC

$1,707

Difference

$156

less

🛒Groceries

↓ 6.8%

Boca Raton, FL

$1,062

Charlotte, NC

$989

Difference

$72.51

less

🏥Healthcare

↑ 10.2%

Boca Raton, FL

$579

Charlotte, NC

$638

Difference

$59.07

⚡All Utilities

↑ 1.6%

Boca Raton, FL

$511

Charlotte, NC

$519

Difference

$8.38

🏠Rent Comparison

Studio

From$1,868

To$1,630

↓ $238

1 Bed

From$2,012

To$1,710

↓ $302

2 Bed

From$2,398

To$1,870

↓ $528

3 Bed

From$3,118

To$2,300

↓ $818

Boca Raton, FLZIP-level data

1BR range: $1,610–$2,710/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.

$8,260

Monthly in Boca Raton, FL

$7,525

Monthly in Charlotte, NC

$735

Difference

Home Values

Boca Raton

Charlotte

$669K

Median Value

$399K

↓ -3.3%

YoY Change

↓ -1.1%

↑ +43%

5-Year Change

↑ +40.8%

$231K - $1.01M

Price Range

$293K - $1.57M

Homes in Charlotte are 40% less expensive than Boca Raton

Calculate payment - Boca Raton Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $7.1K

More taxes

Monthly Difference

$594

Less take-home

Effective Rate Diff

4.7%

Rate difference

Boca Raton, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

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

Boca Raton, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

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.