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Cost of Living Comparison 2026

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You'd spend $1.5K/month more in Charlotte, NC

$150.0K in your current city equals $167.8K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 19.8%
More expensive
Monthly Impact
$1,481
Extra cost
Annual Impact
$17.8K
Per year

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

Laredo, TX

Population:255K
Cost Index:100
Median Home:$187K

Charlotte, NC

Population:875K
Cost Index:120
Median Home:$399K

Laredo, TX

The Lone Star State

255K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 255K 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: Laredo, TX vs Charlotte, NC

🏠Housing
↑ 46.2%
Laredo, TX
$1,689
Charlotte, NC
$2,469
Difference
$780
more
📦Other
↑ 9.7%
Laredo, TX
$1,557
Charlotte, NC
$1,707
Difference
$151
more
🏥Healthcare
↑ 27.2%
Laredo, TX
$502
Charlotte, NC
$638
Difference
$136
more
🚗Transportation
↓ 6.4%
Laredo, TX
$1,284
Charlotte, NC
$1,202
Difference
$81.96
less
🛒Groceries
↑ 8.8%
Laredo, TX
$909
Charlotte, NC
$989
Difference
$79.94
more
⚡All Utilities
↑ 5.6%
Laredo, TX
$492
Charlotte, NC
$519
Difference
$27.32
more

🏠Rent Comparison

Studio
From$965
To$1,630
↑ $665
1 Bed
From$970
To$1,710
↑ $740
2 Bed
From$1,170
To$1,870
↑ $700
3 Bed
From$1,510
To$2,300
↑ $790
Laredo, TXZIP-level data

1BR range: $960–$980/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.

$6,433
Monthly in Laredo, TX
$7,525
Monthly in Charlotte, NC
$1,092
Difference

Home Values

Laredo
Charlotte
$187K
Median Value
$399K
↑ +1.9%
YoY Change
↓ -1.1%
↑ +3.4%
5-Year Change
↑ +40.8%
$132K - $241K
Price Range
$293K - $1.57M

Homes in Charlotte are 114% more expensive than Laredo

Calculate payment - LaredoCalculate 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

Laredo, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
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

Laredo, 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.

Environment

Laredo
Charlotte
45 Good
Air Quality
51 Moderate
57.7%
Good Air Days
46.2%
89 Moderate
Climate Risk
97 High
🌡
Top Hazards
🌊🌪💨
▲+2.7°F
2050 Outlook
▲+2.9°F
151 days
Heat Days >95°F
36 days
▲+2.7°F
2050 Outlook
▲+2.9°F
151 days
Heat Days >95°F
36 days

💰 See how taxes change too — compare take-home pay between Texas and North Carolina on TaxTakeHome.com

Similar cost to Charlotte, NC

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