Is Charlotte, NC cheaper than Carrollton, TX?

Based on cost of living data, Charlotte, NC is 6.9% cheaper than Carrollton, TX. This translates to saving $521 per month.

What salary do I need in Charlotte, NC to live like I do in Carrollton, TX?

If you earn $150,000 in Carrollton, TX, you'd need approximately $143,748.775 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Carrollton, TX and Charlotte, NC?

Housing in Charlotte, NC is 5.2% more expensive than in Carrollton, TX. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,680/month in Carrollton, TX.

How much can I save per month by moving from Carrollton, TX to Charlotte, NC?

Moving from Carrollton, TX to Charlotte, NC could save you approximately $521 per month, or $6251 per year, based on a $150,000 salary.

Carrollton, TX vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Carrollton, TX — ZIP-level rent data · COL adjusted from Plano, TX area

Current salary in Carrollton, TX

Numbers update automatically as you type

You'd save $521/month moving to Charlotte, NC

$150.0K in your current city equals $143.7K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↓ 6.9%

Less expensive

Monthly Impact

$521

Savings

Annual Impact

$6.3K

Per year

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

Carrollton, TX

Population:133K

Cost Index:100

Median Home:$389K

Charlotte, NC

Population:875K

Cost Index:93

Median Home:$399K

Carrollton, TX

The Lone Star State

133K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 133K residents.

💡 Advantage: Texas 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: Carrollton, TX vs Charlotte, NC

Category	Carrollton, TX	Charlotte, NC	Difference	Change
📦Other	$1,893/mo	$1,707/mo	↓ $186less	9.8%
🏠Housing	$2,346/mo	$2,469/mo	↑ $123more	5.2%
🚗Transportation	$1,276/mo	$1,202/mo	↓ $74.08less	5.8%
⚡All Utilities	$558/mo	$519/mo	↓ $39.02less	7.0%
🛒Groceries	$971/mo	$989/mo	↑ $18.15more	1.9%
🏥Healthcare	$627/mo	$638/mo	↑ $11.46more	1.8%

📦Other

↓ 9.8%

Carrollton, TX

$1,893

Charlotte, NC

$1,707

Difference

$186

less

🏠Housing

↑ 5.2%

Carrollton, TX

$2,346

Charlotte, NC

$2,469

Difference

$123

🚗Transportation

↓ 5.8%

Carrollton, TX

$1,276

Charlotte, NC

$1,202

Difference

$74.08

less

⚡All Utilities

↓ 7.0%

Carrollton, TX

$558

Charlotte, NC

$519

Difference

$39.02

less

🛒Groceries

↑ 1.9%

Carrollton, TX

$971

Charlotte, NC

$989

Difference

$18.15

🏥Healthcare

↑ 1.8%

Carrollton, TX

$627

Charlotte, NC

$638

Difference

$11.46

🏠Rent Comparison

Studio

From$1,379

To$1,630

↑ $251

1 Bed

From$1,438

To$1,710

↑ $272

2 Bed

From$1,680

To$1,870

↑ $190

3 Bed

From$2,115

To$2,300

↑ $185

Carrollton, TXZIP-level data

1BR range: $1,700–$1,890/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.

$7,671

Monthly in Carrollton, TX

$7,525

Monthly in Charlotte, NC

$146

Difference

Home Values

Carrollton

Charlotte

$389K

Median Value

$399K

↓ -4.7%

YoY Change

↓ -1.1%

↑ +29.5%

5-Year Change

↑ +40.8%

$337K - $515K

Price Range

$293K - $1.57M

Homes in Charlotte are 2% more expensive than Carrollton

Calculate payment - Carrollton 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

Carrollton, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

Carrollton, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.