Is Charlotte, NC cheaper than Centennial, CO?

Based on cost of living data, Charlotte, NC is 8.0% cheaper than Centennial, CO. This translates to saving $602 per month.

What salary do I need in Charlotte, NC to live like I do in Centennial, CO?

If you earn $150,000 in Centennial, CO, you'd need approximately $142,781.323 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Centennial, CO and Charlotte, NC?

Housing in Charlotte, NC is 11.9% cheaper than in Centennial, CO. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,589/month in Centennial, CO.

How much can I save per month by moving from Centennial, CO to Charlotte, NC?

Moving from Centennial, CO to Charlotte, NC could save you approximately $602 per month, or $7219 per year, based on a $150,000 salary.

Centennial, CO vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Centennial, CO — COL adjusted from Denver, CO area + state data

Current salary in Centennial, CO

Numbers update automatically as you type

You'd save $602/month moving to Charlotte, NC

$150.0K in your current city equals $142.8K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Denver-Aurora-Lakewood, CO area

Overall Cost

↓ 8.0%

Less expensive

Monthly Impact

$602

Savings

Annual Impact

$7.2K

Per year

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

Centennial, CO

Population:107K

Cost Index:100

Median Home:$513K

Charlotte, NC

Population:875K

Cost Index:92

Median Home:$399K

Centennial, CO

The Centennial State

107K

Population

State Tax

Yes

Located in Colorado, this city has a population of 107K 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: Centennial, CO vs Charlotte, NC

Category	Centennial, CO	Charlotte, NC	Difference	Change
🏠Housing	$2,803/mo	$2,469/mo	↓ $334less	11.9%
🚗Transportation	$1,401/mo	$1,202/mo	↓ $199less	14.2%
🏥Healthcare	$619/mo	$638/mo	↑ $19.38more	3.1%
🛒Groceries	$1,008/mo	$989/mo	↓ $18.50less	1.8%
⚡All Utilities	$508/mo	$519/mo	↑ $10.83more	2.1%
📦Other	$1,701/mo	$1,707/mo	↑ $6.30more	0.4%

🏠Housing

↓ 11.9%

Centennial, CO

$2,803

Charlotte, NC

$2,469

Difference

$334

less

🚗Transportation

↓ 14.2%

Centennial, CO

$1,401

Charlotte, NC

$1,202

Difference

$199

less

🏥Healthcare

↑ 3.1%

Centennial, CO

$619

Charlotte, NC

$638

Difference

$19.38

🛒Groceries

↓ 1.8%

Centennial, CO

$1,008

Charlotte, NC

$989

Difference

$18.50

less

⚡All Utilities

↑ 2.1%

Centennial, CO

$508

Charlotte, NC

$519

Difference

$10.83

📦Other

↑ 0.4%

Centennial, CO

$1,701

Charlotte, NC

$1,707

Difference

$6.30

🏠Rent Comparison

Studio

From$1,100

To$1,630

↑ $530

1 Bed

From$1,263

To$1,710

↑ $447

2 Bed

From$1,589

To$1,870

↑ $281

3 Bed

From$2,200

To$2,300

↑ $100

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.

$8,040

Monthly in Centennial, CO

$7,525

Monthly in Charlotte, NC

$515

Difference

Home Values

Centennial

Charlotte

Median Value

$399K

YoY Change

↓ -1.1%

5-Year Change

↑ +40.8%

Price Range

$293K - $1.57M

Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $525

More taxes

Monthly Difference

$43.75

Less take-home

Effective Rate Diff

0.4%

Rate difference

Centennial, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

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

Centennial, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

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.