Is Charlotte, NC cheaper than Commerce City, CO?

Based on cost of living data, Charlotte, NC is 7.1% cheaper than Commerce City, CO. This translates to saving $531 per month.

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

If you earn $150,000 in Commerce City, CO, you'd need approximately $143,631.133 in Charlotte, NC to maintain the same standard of living.

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

Housing in Charlotte, NC is 11.0% cheaper than in Commerce City, CO. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,557/month in Commerce City, CO.

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

Moving from Commerce City, CO to Charlotte, NC could save you approximately $531 per month, or $6369 per year, based on a $150,000 salary.

Commerce City, CO vs Charlotte, NC: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Commerce City, CO — ZIP-level rent data · COL adjusted from Denver, CO area

Current salary in Commerce City, CO

Numbers update automatically as you type

You'd save $531/month moving to Charlotte, NC

$150.0K in your current city equals $143.6K in Charlotte, NC

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

Overall Cost

↓ 7.1%

Less expensive

Monthly Impact

$531

Savings

Annual Impact

$6.4K

Per year

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

Commerce City, CO

Population:68K

Cost Index:100

Median Home:$470K

Charlotte, NC

Population:875K

Cost Index:93

Median Home:$399K

Commerce City, CO

The Centennial State

68K

Population

State Tax

Yes

Located in Colorado, this city has a population of 68K 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: Commerce City, CO vs Charlotte, NC

Category	Commerce City, CO	Charlotte, NC	Difference	Change
🏠Housing	$2,774/mo	$2,469/mo	↓ $306less	11.0%
🚗Transportation	$1,387/mo	$1,202/mo	↓ $185less	13.3%
📦Other	$1,684/mo	$1,707/mo	↑ $23.59more	1.4%
🏥Healthcare	$616/mo	$638/mo	↑ $22.53more	3.7%
⚡All Utilities	$506/mo	$519/mo	↑ $13.42more	2.7%
🛒Groceries	$1,003/mo	$989/mo	↓ $13.37less	1.3%

🏠Housing

↓ 11.0%

Commerce City, CO

$2,774

Charlotte, NC

$2,469

Difference

$306

less

🚗Transportation

↓ 13.3%

Commerce City, CO

$1,387

Charlotte, NC

$1,202

Difference

$185

less

📦Other

↑ 1.4%

Commerce City, CO

$1,684

Charlotte, NC

$1,707

Difference

$23.59

🏥Healthcare

↑ 3.7%

Commerce City, CO

$616

Charlotte, NC

$638

Difference

$22.53

⚡All Utilities

↑ 2.7%

Commerce City, CO

$506

Charlotte, NC

$519

Difference

$13.42

🛒Groceries

↓ 1.3%

Commerce City, CO

$1,003

Charlotte, NC

$989

Difference

$13.37

less

🏠Rent Comparison

Studio

From$1,194

To$1,630

↑ $436

1 Bed

From$1,307

To$1,710

↑ $403

2 Bed

From$1,557

To$1,870

↑ $313

3 Bed

From$2,033

To$2,300

↑ $267

Commerce City, COZIP-level data

1BR range: $1,620–$1,620/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.

$7,969

Monthly in Commerce City, CO

$7,525

Monthly in Charlotte, NC

$444

Difference

Home Values

Commerce City

Charlotte

$470K

Median Value

$399K

↓ -4.3%

YoY Change

↓ -1.1%

↑ +18.2%

5-Year Change

↑ +40.8%

$470K

Price Range

$293K - $1.57M

Homes in Charlotte are 15% less expensive than Commerce City

Calculate payment - Commerce City 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

Commerce City, 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

Commerce City, 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.