Is Charlotte, NC cheaper than Irving, TX?

Based on cost of living data, Charlotte, NC is 4.0% cheaper than Irving, TX. This translates to saving $297 per month.

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

If you earn $150,000 in Irving, TX, you'd need approximately $146,435.644 in Charlotte, NC to maintain the same standard of living.

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

Housing in Charlotte, NC is 3.3% more expensive than in Irving, TX. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,955/month in Irving, TX.

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

Moving from Irving, TX to Charlotte, NC could save you approximately $297 per month, or $3564 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

Current salary in Irving, TX

Numbers update automatically as you type

You'd save $297/month moving to Charlotte, NC

$150.0K in your current city equals $146.4K in Charlotte, NC

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

Overall Cost

↓ 4.0%

Less expensive

Monthly Impact

$297

Savings

Annual Impact

$3.6K

Per year

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

Irving, TX

Population:257K

Cost Index:100

Median Home:$373K

Charlotte, NC

Population:875K

Cost Index:96

Median Home:$399K

Irving, TX

The Lone Star State

257K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 257K 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: Irving, TX vs Charlotte, NC

Category	Irving, TX	Charlotte, NC	Difference	Change
🚗Transportation	$1,298/mo	$1,202/mo	↓ $95.62less	7.4%
🏠Housing	$2,391/mo	$2,469/mo	↑ $77.96more	3.3%
📦Other	$1,774/mo	$1,707/mo	↓ $66.96less	3.8%
⚡All Utilities	$563/mo	$519/mo	↓ $43.71less	7.8%
🛒Groceries	$979/mo	$989/mo	↑ $9.99more	1.0%
🏥Healthcare	$632/mo	$638/mo	↑ $6.20more	1.0%

🚗Transportation

↓ 7.4%

Irving, TX

$1,298

Charlotte, NC

$1,202

Difference

$95.62

less

🏠Housing

↑ 3.3%

Irving, TX

$2,391

Charlotte, NC

$2,469

Difference

$77.96

📦Other

↓ 3.8%

Irving, TX

$1,774

Charlotte, NC

$1,707

Difference

$66.96

less

⚡All Utilities

↓ 7.8%

Irving, TX

$563

Charlotte, NC

$519

Difference

$43.71

less

🛒Groceries

↑ 1.0%

Irving, TX

$979

Charlotte, NC

$989

Difference

$9.99

🏥Healthcare

↑ 1.0%

Irving, TX

$632

Charlotte, NC

$638

Difference

$6.20

🏠Rent Comparison

Studio

From$1,600

To$1,630

↑ $30.00

1 Bed

From$1,665

To$1,710

↑ $45.00

2 Bed

From$1,955

To$1,870

↓ $85.00

3 Bed

From$2,460

To$2,300

↓ $160

Irving, TXZIP-level data

1BR range: $1,470–$2,320/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.

$7,637

Monthly in Irving, TX

$7,525

Monthly in Charlotte, NC

$112

Difference

Home Values

Irving

Charlotte

$373K

Median Value

$399K

↓ -2.5%

YoY Change

↓ -1.1%

↑ +33.3%

5-Year Change

↑ +40.8%

$282K - $631K

Price Range

$293K - $1.57M

Homes in Charlotte are 7% more expensive than Irving

Calculate payment - Irving 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

Irving, 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

Irving, 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.