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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

Charlotte, NC and Durham, NC have similar living costs

$150.0K in your current city equals $150.0K in Durham, NC

Rent data from HUD ZIP-level estimates · COL index from Charlotte-Concord-Gastonia, NC-SC area
Overall Cost
0.0%
Same cost
Monthly Impact
$0
No change
Annual Impact
$0
Per year

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

Charlotte, NC

Population:875K
Cost Index:
100
100 = national average
Median Home:$399K

Durham, NC

Population:325K
Cost Index:
100
(national average)
Median Home:$411K

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

Durham, NC

The Tar Heel State

325K
Population
State Tax
Yes

Located in North Carolina, this city has a population of 325K residents.

Cost Breakdown by Category

Annual spending: Charlotte, NC vs Durham, NC

Transportation
6.8%
Charlotte, NC
$1,202
Durham, NC
$1,284
Difference
$81.96
more
Healthcare
5.8%
Charlotte, NC
$638
Durham, NC
$601
Difference
$37.17
less
Groceries
3.0%
Charlotte, NC
$989
Durham, NC
$959
Difference
$29.98
less
All Utilities
5.3%
Charlotte, NC
$519
Durham, NC
$546
Difference
$27.32
more
Housing
0.0%
Charlotte, NC
$2,469
Durham, NC
$2,469
Difference
$0
same
Other
0.0%
Charlotte, NC
$1,707
Durham, NC
$1,707
Difference
$0
same

🏠Rent Comparison

Studio
From$1,630
To$1,430
$200
1 Bed
From$1,710
To$1,520
$190
2 Bed
From$1,870
To$1,730
$140
3 Bed
From$2,300
To$2,140
$160
Charlotte, NCZIP-level data

1BR range: $1,340$2,310/mo

Durham, NCZIP-level data

1BR range: $1,480$1,750/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.

$7,525
Monthly in Charlotte, NC
$7,567
Monthly in Durham, NC
$42.13
Difference

Home Values

Charlotte
Durham
$399K
Median Value
$411K
↓ -1.1%
YoY Change
↓ -0.5%
↑ +40.8%
5-Year Change
↑ +38%
$293K - $1.57M
Price Range
$306K - $461K

Homes in Durham are 3% more expensive than Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

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

Durham, 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

Charlotte, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

Durham, 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

Charlotte
Durham
51 Moderate
Air Quality
51 Moderate
46.2%
Good Air Days
46.4%
97 High
Climate Risk
90 Moderate
🌊🌪💨
Top Hazards
🌪💨
+2.9°F
2050 Outlook
+2.7°F
36 days
Heat Days >95°F
36 days
+2.9°F
2050 Outlook
+2.7°F
36 days
Heat Days >95°F
36 days

What to Consider When Moving from Charlotte, NC to Durham, NC

Relocating from Charlotte, NC to Durham, NC involves more than just comparing rent prices. While the overall cost of living is comparable between the two cities, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Durham, NC is about the same price than in Charlotte, NC. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Durham, NC pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Durham, NC to match your current standard of living in Charlotte, NC.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Durham, NC for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Charlotte, NC vs Durham, NC

Is Durham, NC cheaper than Charlotte, NC?

Charlotte, NC and Durham, NC have very similar costs of living, with less than 1% difference overall. Your monthly expenses would be roughly the same in either city.

What salary do I need in Durham, NC to match my lifestyle in Charlotte, NC?

If you currently earn $150,000 in Charlotte, NC, you would need approximately $150,000 in Durham, NC to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Charlotte, NC and Durham, NC?

A two-bedroom apartment averages $1,870/month in Charlotte, NC compared to $1,730/month in Durham, NC. One-bedroom apartments are $1,710/month in Charlotte, NC vs $1,520/month in Durham, NC. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Charlotte, NC or Durham, NC?

Groceries are about 3% cheaper in Durham, NC than in Charlotte, NC, saving a typical household roughly $29.98/month on food.

What is the best time to move from Charlotte, NC to Durham, NC?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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