Is Charlotte, NC cheaper than Middletown, OH?

Based on cost of living data, Charlotte, NC is 13.2% more expensive than Middletown, OH. This translates to spending an extra $990 per month.

What salary do I need in Charlotte, NC to live like I do in Middletown, OH?

If you earn $150,000 in Middletown, OH, you'd need approximately $161,882.49 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Middletown, OH and Charlotte, NC?

Housing in Charlotte, NC is 37.0% more expensive than in Middletown, OH. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,039/month in Middletown, OH.

How much can I save per month by moving from Middletown, OH to Charlotte, NC?

Living in Charlotte, NC costs approximately $990 more per month than Middletown, OH, or $11882 more per year, based on a $150,000 salary.

Middletown, OH vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Middletown, OH — ZIP-level rent data · COL adjusted from Cincinnati, OH area

Current salary in Middletown, OH

Numbers update automatically as you type

You'd spend $990/month more in Charlotte, NC

$150.0K in your current city equals $161.9K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Cincinnati, OH-KY-IN area

Overall Cost

↑ 13.2%

More expensive

Monthly Impact

$990

Extra cost

Annual Impact

$11.9K

Per year

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

Middletown, OH

Population:51K

Cost Index:100

Median Home:$236K

Charlotte, NC

Population:875K

Cost Index:113

Median Home:$399K

Middletown, OH

The Buckeye State

51K

Population

State Tax

Yes

Located in Ohio, this city has a population of 51K 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: Middletown, OH vs Charlotte, NC

Category	Middletown, OH	Charlotte, NC	Difference	Change
🏠Housing	$1,801/mo	$2,469/mo	↑ $667more	37.0%
📦Other	$1,547/mo	$1,707/mo	↑ $160more	10.4%
🛒Groceries	$902/mo	$989/mo	↑ $87.22more	9.7%
🏥Healthcare	$553/mo	$638/mo	↑ $84.94more	15.4%
⚡All Utilities	$456/mo	$519/mo	↑ $63.37more	13.9%
🚗Transportation	$1,170/mo	$1,202/mo	↑ $31.60more	2.7%

🏠Housing

↑ 37.0%

Middletown, OH

$1,801

Charlotte, NC

$2,469

Difference

$667

📦Other

↑ 10.4%

Middletown, OH

$1,547

Charlotte, NC

$1,707

Difference

$160

🛒Groceries

↑ 9.7%

Middletown, OH

$902

Charlotte, NC

$989

Difference

$87.22

🏥Healthcare

↑ 15.4%

Middletown, OH

$553

Charlotte, NC

$638

Difference

$84.94

⚡All Utilities

↑ 13.9%

Middletown, OH

$456

Charlotte, NC

$519

Difference

$63.37

🚗Transportation

↑ 2.7%

Middletown, OH

$1,170

Charlotte, NC

$1,202

Difference

$31.60

🏛️ Local Income Taxes

Middletown, OH: Middletown Municipal Income Tax$3,375/yr (2.3%)

Charlotte, NC has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$737

To$1,630

↑ $893

1 Bed

From$810

To$1,710

↑ $900

2 Bed

From$1,039

To$1,870

↑ $831

3 Bed

From$1,367

To$2,300

↑ $933

Middletown, OHZIP-level data

1BR range: $990–$990/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.

$6,430

Monthly in Middletown, OH

$7,525

Monthly in Charlotte, NC

$1,095

Difference

Home Values

Middletown

Charlotte

$236K

Median Value

$399K

↑ +3.1%

YoY Change

↓ -1.1%

↑ +40.3%

5-Year Change

↑ +40.8%

$236K

Price Range

$293K - $1.57M

Homes in Charlotte are 69% more expensive than Middletown

Calculate payment - Middletown Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $2.7K

More taxes

Monthly Difference

$225

Less take-home

Effective Rate Diff

1.8%

Rate difference

Middletown, OH

Federal Income Tax

Effective: 18.9%

$25.5K

Ohio State Tax

Effective: 3.0%

$4.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.6%

$41.4K

Take-Home Pay

$9,047/month

$108.6K

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

Middletown, OH Tax Rates

Sales Tax:7.2%

Property Tax:1.6%

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

Middletown

Charlotte

52 Moderate

Air Quality

51 Moderate

44.8%

Good Air Days

46.2%

96 High

Climate Risk

97 High

🌊🌡🌪

Top Hazards

🌊🌪💨

▲+3.1°F

2050 Outlook

▲+2.9°F

29 days

Heat Days >95°F

36 days

▲+3.1°F

2050 Outlook

▲+2.9°F

29 days

Heat Days >95°F

36 days

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

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You'd spend $990/month more in Charlotte, NC

Middletown, OH

Charlotte, NC

Middletown, OH

Charlotte, NC

Notable Facts

Major Industries

Cost Breakdown by Category

🏛️ Local Income Taxes

🏠Rent Comparison

📍 Rent by ZIP Code25 ZIPs

Home Values

🏠 Home Values by ZIP24 ZIPs

Tax Comparison

Middletown, OH

Charlotte, NC

Additional Tax Information

Middletown, OH Tax Rates

Charlotte, NC Tax Rates

Environment

Similar cost to Charlotte, NC