Is Jacksonville, FL cheaper than Charlotte, NC?

Based on cost of living data, Jacksonville, FL is 3.1% cheaper than Charlotte, NC. This translates to saving $232 per month.

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

If you earn $150,000 in Charlotte, NC, you'd need approximately $147,216.495 in Jacksonville, FL to maintain the same standard of living.

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

Housing in Jacksonville, FL is 10.5% cheaper than in Charlotte, NC. For a two-bedroom apartment, rent is $1,530/month in Jacksonville, FL compared to $1,870/month in Charlotte, NC.

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

Moving from Charlotte, NC to Jacksonville, FL could save you approximately $232 per month, or $2784 per year, based on a $150,000 salary.

Charlotte, NC vs Jacksonville, FL: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Charlotte, NC

Numbers update automatically as you type

You'd save $232/month moving to Jacksonville, FL

$150.0K in your current city equals $147.2K in Jacksonville, FL

Rent data from HUD ZIP-level estimates · COL index from Charlotte-Concord-Gastonia, NC-SC area

Overall Cost

↓ 3.1%

Less expensive

Monthly Impact

$232

Savings

Annual Impact

$2.8K

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

Jacksonville, FL

Population:950K

Cost Index:

(3% below avg)

Median Home:$289K

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

Jacksonville, FL

The Sunshine State

950K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 950K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Annual spending: Charlotte, NC vs Jacksonville, FL

Category	Charlotte, NC	Jacksonville, FL	Difference	Change
Housing	$2,469/mo	$2,209/mo	↓ $260less	10.5%
Other	$1,707/mo	$1,624/mo	↓ $83.70less	4.9%
Transportation	$1,202/mo	$1,284/mo	↑ $81.96more	6.8%
Healthcare	$638/mo	$570/mo	↓ $68.15less	10.7%
All Utilities	$519/mo	$574/mo	↑ $54.64more	10.5%
Groceries	$989/mo	$1,019/mo	↑ $29.98more	3.0%

Housing

↓ 10.5%

Charlotte, NC

$2,469

Jacksonville, FL

$2,209

Difference

$260

less

Other

↓ 4.9%

Charlotte, NC

$1,707

Jacksonville, FL

$1,624

Difference

$83.70

less

Transportation

↑ 6.8%

Charlotte, NC

$1,202

Jacksonville, FL

$1,284

Difference

$81.96

Healthcare

↓ 10.7%

Charlotte, NC

$638

Jacksonville, FL

$570

Difference

$68.15

less

All Utilities

↑ 10.5%

Charlotte, NC

$519

Jacksonville, FL

$574

Difference

$54.64

Groceries

↑ 3.0%

Charlotte, NC

$989

Jacksonville, FL

$1,019

Difference

$29.98

🏠Rent Comparison

Studio

From$1,630

To$1,250

↓ $380

1 Bed

From$1,710

To$1,270

↓ $440

2 Bed

From$1,870

To$1,530

↓ $340

3 Bed

From$2,300

To$1,890

↓ $410

Charlotte, NCZIP-level data

1BR range: $1,340–$2,310/mo

Jacksonville, FLZIP-level data

1BR range: $960–$2,070/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

$7,280

Monthly in Jacksonville, FL

$245

Difference

Home Values

Charlotte

Jacksonville

$399K

Median Value

$289K

↓ -1.1%

YoY Change

↓ -3.7%

↑ +40.8%

5-Year Change

↑ +31.6%

$293K - $1.57M

Price Range

$102K - $535K

Homes in Jacksonville are 27% less expensive than Charlotte

Calculate payment - Charlotte Calculate payment - Jacksonville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.1K

Per year

Monthly Difference

$594

More take-home

Effective Rate Diff

4.7%

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

Jacksonville, 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

Additional Tax Information

Charlotte, NC Tax Rates

Sales Tax:7.1%

Property Tax:0.8%

Jacksonville, FL Tax Rates

Sales Tax:7.2%

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.