Is Charlotte, NC cheaper than Denton, TX?

Based on cost of living data, Charlotte, NC is 8.4% cheaper than Denton, TX. This translates to saving $632 per month.

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

If you earn $150,000 in Denton, TX, you'd need approximately $142,421.675 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Denton, TX and Charlotte, NC?

Housing in Charlotte, NC is 3.6% more expensive than in Denton, TX. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,567/month in Denton, TX.

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

Moving from Denton, TX to Charlotte, NC could save you approximately $632 per month, or $7578 per year, based on a $150,000 salary.

Denton, TX vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Denton, TX — ZIP-level rent data · COL adjusted from Plano, TX area

Current salary in Denton, TX

Numbers update automatically as you type

You'd save $632/month moving to Charlotte, NC

$150.0K in your current city equals $142.4K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↓ 8.4%

Less expensive

Monthly Impact

$632

Savings

Annual Impact

$7.6K

Per year

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

Denton, TX

Population:158K

Cost Index:100

Median Home:$354K

Charlotte, NC

Population:875K

Cost Index:92

Median Home:$399K

Denton, TX

The Lone Star State

158K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 158K residents.

💡 Advantage: Texas has no state income tax!

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: Denton, TX vs Charlotte, NC

Category	Denton, TX	Charlotte, NC	Difference	Change
📦Other	$1,924/mo	$1,707/mo	↓ $216less	11.2%
🚗Transportation	$1,297/mo	$1,202/mo	↓ $94.62less	7.3%
🏠Housing	$2,384/mo	$2,469/mo	↑ $84.99more	3.6%
⚡All Utilities	$563/mo	$519/mo	↓ $43.50less	7.7%
🛒Groceries	$979/mo	$989/mo	↑ $10.37more	1.1%
🏥Healthcare	$632/mo	$638/mo	↑ $6.44more	1.0%

📦Other

↓ 11.2%

Denton, TX

$1,924

Charlotte, NC

$1,707

Difference

$216

less

🚗Transportation

↓ 7.3%

Denton, TX

$1,297

Charlotte, NC

$1,202

Difference

$94.62

less

🏠Housing

↑ 3.6%

Denton, TX

$2,384

Charlotte, NC

$2,469

Difference

$84.99

⚡All Utilities

↓ 7.7%

Denton, TX

$563

Charlotte, NC

$519

Difference

$43.50

less

🛒Groceries

↑ 1.1%

Denton, TX

$979

Charlotte, NC

$989

Difference

$10.37

🏥Healthcare

↑ 1.0%

Denton, TX

$632

Charlotte, NC

$638

Difference

$6.44

🏠Rent Comparison

Studio

From$1,283

To$1,630

↑ $347

1 Bed

From$1,338

To$1,710

↑ $372

2 Bed

From$1,567

To$1,870

↑ $303

3 Bed

From$1,970

To$2,300

↑ $330

Denton, TXZIP-level data

1BR range: $1,400–$1,720/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.

$7,777

Monthly in Denton, TX

$7,525

Monthly in Charlotte, NC

$252

Difference

Home Values

Denton

Charlotte

$354K

Median Value

$399K

↓ -4.2%

YoY Change

↓ -1.1%

↑ +27.4%

5-Year Change

↑ +40.8%

$273K - $402K

Price Range

$293K - $1.57M

Homes in Charlotte are 13% more expensive than Denton

Calculate payment - Denton Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $7.1K

More taxes

Monthly Difference

$594

Less take-home

Effective Rate Diff

4.7%

Rate difference

Denton, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

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

Denton, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.