Is Charlotte, NC cheaper than Concord, NC?

Based on cost of living data, Charlotte, NC is 4.7% more expensive than Concord, NC. This translates to spending an extra $353 per month.

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

If you earn $150,000 in Concord, NC, you'd need approximately $154,240.526 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Concord, NC and Charlotte, NC?

Housing in Charlotte, NC is 16.3% more expensive than in Concord, NC. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,258/month in Concord, NC.

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

Living in Charlotte, NC costs approximately $353 more per month than Concord, NC, or $4241 more per year, based on a $150,000 salary.

Concord, NC vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Concord, NC — ZIP-level rent data · COL adjusted from Charlotte, NC area

Current salary in Concord, NC

Numbers update automatically as you type

You'd spend $353/month more in Charlotte, NC

$150.0K in your current city equals $154.2K in Charlotte, NC

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

Overall Cost

↑ 4.7%

More expensive

Monthly Impact

$353

Extra cost

Annual Impact

$4.2K

Per year

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

Concord, NC

Population:110K

Cost Index:100

Median Home:$371K

Charlotte, NC

Population:875K

Cost Index:105

Median Home:$399K

Concord, NC

The Tar Heel State

110K

Population

State Tax

Yes

Located in North Carolina, this city has a population of 110K 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: Concord, NC vs Charlotte, NC

Category	Concord, NC	Charlotte, NC	Difference	Change
🏠Housing	$2,122/mo	$2,469/mo	↑ $347more	16.3%
📦Other	$1,631/mo	$1,707/mo	↑ $76.83more	4.7%
🚗Transportation	$1,148/mo	$1,202/mo	↑ $54.09more	4.7%
🛒Groceries	$967/mo	$989/mo	↑ $22.51more	2.3%
🏥Healthcare	$624/mo	$638/mo	↑ $14.52more	2.3%
⚡All Utilities	$507/mo	$519/mo	↑ $11.81more	2.3%

🏠Housing

↑ 16.3%

Concord, NC

$2,122

Charlotte, NC

$2,469

Difference

$347

📦Other

↑ 4.7%

Concord, NC

$1,631

Charlotte, NC

$1,707

Difference

$76.83

🚗Transportation

↑ 4.7%

Concord, NC

$1,148

Charlotte, NC

$1,202

Difference

$54.09

🛒Groceries

↑ 2.3%

Concord, NC

$967

Charlotte, NC

$989

Difference

$22.51

🏥Healthcare

↑ 2.3%

Concord, NC

$624

Charlotte, NC

$638

Difference

$14.52

⚡All Utilities

↑ 2.3%

Concord, NC

$507

Charlotte, NC

$519

Difference

$11.81

🏠Rent Comparison

Studio

From$1,096

To$1,630

↑ $534

1 Bed

From$1,145

To$1,710

↑ $565

2 Bed

From$1,258

To$1,870

↑ $612

3 Bed

From$1,546

To$2,300

↑ $754

Concord, NCZIP-level data

1BR range: $1,310–$1,510/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.

$6,998

Monthly in Concord, NC

$7,525

Monthly in Charlotte, NC

$527

Difference

Home Values

Concord

Charlotte

$371K

Median Value

$399K

↓ -2.4%

YoY Change

↓ -1.1%

↑ +40.1%

5-Year Change

↑ +40.8%

$336K - $406K

Price Range

$293K - $1.57M

Homes in Charlotte are 8% more expensive than Concord

Calculate payment - Concord Calculate payment - 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

Same take-home

Effective Rate Diff

0.0%

Rate difference

Concord, 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

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

Concord, NC Tax Rates

Sales Tax:7.1%

Property Tax:0.8%

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.