Is Charlotte, NC cheaper than Jamestown, NY?

Based on cost of living data, Charlotte, NC is 1.6% cheaper than Jamestown, NY. This translates to saving $118 per month.

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

If you earn $150,000 in Jamestown, NY, you'd need approximately $148,587.13 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Jamestown, NY and Charlotte, NC?

Housing in Charlotte, NC is 14.4% more expensive than in Jamestown, NY. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,074/month in Jamestown, NY.

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

Moving from Jamestown, NY to Charlotte, NC could save you approximately $118 per month, or $1413 per year, based on a $150,000 salary.

Jamestown, NY vs Charlotte, NC: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Jamestown, NY — ZIP-level rent data · COL adjusted from Pittsburgh, PA area

Current salary in Jamestown, NY

Numbers update automatically as you type

You'd save $118/month moving to Charlotte, NC

$150.0K in your current city equals $148.6K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 1.6%

Less expensive

Monthly Impact

$118

Savings

Annual Impact

$1.4K

Per year

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

Jamestown, NY

Population:28K

Cost Index:100

Median Home:$116K

Charlotte, NC

Population:875K

Cost Index:98

Median Home:$399K

Jamestown, NY

The Empire State

28K

Population

State Tax

Yes

Located in New York, this city has a population of 28K 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: Jamestown, NY vs Charlotte, NC

Category	Jamestown, NY	Charlotte, NC	Difference	Change
🏠Housing	$2,158/mo	$2,469/mo	↑ $311more	14.4%
🚗Transportation	$1,346/mo	$1,202/mo	↓ $144less	10.7%
⚡All Utilities	$638/mo	$519/mo	↓ $119less	18.7%
🏥Healthcare	$554/mo	$638/mo	↑ $84.00more	15.2%
📦Other	$1,779/mo	$1,707/mo	↓ $71.95less	4.0%
🛒Groceries	$1,041/mo	$989/mo	↓ $51.71less	5.0%

🏠Housing

↑ 14.4%

Jamestown, NY

$2,158

Charlotte, NC

$2,469

Difference

$311

🚗Transportation

↓ 10.7%

Jamestown, NY

$1,346

Charlotte, NC

$1,202

Difference

$144

less

⚡All Utilities

↓ 18.7%

Jamestown, NY

$638

Charlotte, NC

$519

Difference

$119

less

🏥Healthcare

↑ 15.2%

Jamestown, NY

$554

Charlotte, NC

$638

Difference

$84.00

📦Other

↓ 4.0%

Jamestown, NY

$1,779

Charlotte, NC

$1,707

Difference

$71.95

less

🛒Groceries

↓ 5.0%

Jamestown, NY

$1,041

Charlotte, NC

$989

Difference

$51.71

less

🏠Rent Comparison

Studio

From$753

To$1,630

↑ $877

1 Bed

From$830

To$1,710

↑ $880

2 Bed

From$1,074

To$1,870

↑ $796

3 Bed

From$1,417

To$2,300

↑ $883

Jamestown, NYZIP-level data

1BR range: $750–$750/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.

$7,517

Monthly in Jamestown, NY

$7,525

Monthly in Charlotte, NC

$7.81

Difference

Home Values

Jamestown

Charlotte

$116K

Median Value

$399K

↑ +3.3%

YoY Change

↓ -1.1%

↑ +47.5%

5-Year Change

↑ +40.8%

$116K

Price Range

$293K - $1.57M

Homes in Charlotte are 243% more expensive than Jamestown

Calculate payment - Jamestown Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.4K

Per year

Monthly Difference

$202

More take-home

Effective Rate Diff

1.6%

Rate difference

Jamestown, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Jamestown, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.