Concord, NC vs Wilmington, NC: Cost of Living

Which city costs less?

Wilmington, NC has a modeled overall cost index 3.2% higher than Concord, NC.

Concord, NC · modeled 2BR rent: $1,550 / month
Wilmington, NC · modeled 2BR rent: $1,740 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Concord, NC and Wilmington, NC using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Concord, NC

Numbers update automatically as you type

Estimated extra cost: $357/month in Wilmington, NC

$150,000 in your current city has a modeled equivalent of $154,281 in Wilmington, NC

Regional cost estimates: Concord, NC uses Charlotte, NC. Wilmington, NC uses Fayetteville, NC. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 3.2%

More expensive

Monthly Impact

$357

Extra cost

Annual Impact

$4.3K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Concord, NC

Population:110K

Cost Index:

92.6

100 = national average

Typical Home:$371K

Wilmington, NC

Population:123K

Cost Index:

95.6

100 = national average

Typical Home:$385K

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Concord, NC

The Tar Heel State

110K

Population

State Tax

Yes

Located in North Carolina, this city has a population of 110K residents.

Wilmington, NC

The Tar Heel State

123K

Population

State Tax

Yes

Located in North Carolina, this city has a population of 123K residents.

Cost Breakdown by Category

Estimated monthly spending: Concord, NC vs Wilmington, NC

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Concord, NC	Wilmington, NC	Difference	Change
Housing	$2,274/mo	$2,459/mo	↑ $185more	8.1%
Transportation	$1,230/mo	$1,338/mo	↑ $108more	8.8%
Other	$1,748/mo	$1,789/mo	↑ $41.26more	2.4%
All Utilities	$544/mo	$567/mo	↑ $23.31more	4.3%
Healthcare	$668/mo	$656/mo	↓ $11.95less	1.8%
Groceries	$1,036/mo	$1,048/mo	↑ $11.68more	1.1%

Housing

↑ 8.1%

Concord, NC

$2,274

Wilmington, NC

$2,459

Difference

$185

Transportation

↑ 8.8%

Concord, NC

$1,230

Wilmington, NC

$1,338

Difference

$108

Other

↑ 2.4%

Concord, NC

$1,748

Wilmington, NC

$1,789

Difference

$41.26

All Utilities

↑ 4.3%

Concord, NC

$544

Wilmington, NC

$567

Difference

$23.31

Healthcare

↓ 1.8%

Concord, NC

$668

Wilmington, NC

$656

Difference

$11.95

less

Groceries

↑ 1.1%

Concord, NC

$1,036

Wilmington, NC

$1,048

Difference

$11.68

🏠Rent Comparison

Studio

From$1,350

To$1,200

↓ $150

1 Bed

From$1,410

To$1,590

↑ $180

2 Bed

From$1,550

To$1,740

↑ $190

3 Bed

From$1,905

To$2,280

↑ $375

Concord, NCZIP-level data

1BR range: $1,310–$1,510/mo

Wilmington, NCZIP-level data

1BR range: $1,510–$1,790/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Concord, NC

$7,857

Monthly in Wilmington, NC

$357

Difference

Home Values

Concord

Wilmington

$371K

Median Value

$385K

↓ -2.4%

YoY Change

↓ -0.3%

↑ +40.1%

5-Year Change

↑ +45.7%

$336K - $406K

Price Range

$380K - $499K

Homes in Wilmington are 4% more expensive than Concord

Calculate payment - Concord Calculate payment - Wilmington

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

Wilmington, 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%

Wilmington, 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

Concord

Wilmington

51 Moderate

Air Quality

46 Good

46.2%

Good Air Days

63.7%

97 High

Climate Risk

89 Moderate

🌊🌪💨

Top Hazards

🌀🌪

▲+2.9°F

2050 Outlook

▲+2.5°F

36 days

Heat Days >95°F

36 days

▲+2.9°F

2050 Outlook

▲+2.5°F

36 days

Heat Days >95°F

36 days

Before moving from Concord, NC to Wilmington, NC

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Wilmington, NC for the same bedroom count and included utilities as your home in Concord, NC. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Concord to Wilmington moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Wilmington, NC by cost, housing, population and region.

Frequently Asked Questions: Concord, NC vs Wilmington, NC

How do the cost estimates for Concord, NC and Wilmington, NC compare?

Wilmington, NC has a modeled overall cost index 3.2% higher than Concord, NC. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Concord, NC, the model estimates $154,281 in Wilmington, NC. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Concord, NC and Wilmington, NC?

The modeled two-bedroom rents are $1,550/month in Concord, NC and $1,740/month in Wilmington, NC. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.