Montgomery, AL vs Fayetteville, NC: Cost of Living

Which city costs less?

Fayetteville, NC has a modeled overall cost index 8.2% higher than Montgomery, AL.

Montgomery, AL · modeled 2BR rent
$980 / month
Fayetteville, NC · modeled 2BR rent
$1,270 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Montgomery, AL and Fayetteville, NC using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated extra cost: $584/month in Fayetteville, NC

$150,000 in your current city has a modeled equivalent of $157,003 in Fayetteville, NC

Overall Cost
↑ 8.2%
More expensive
Monthly Impact
$584
Extra cost
Annual Impact
$7.0K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Montgomery, AL

Population:201K
Cost Index:
85.0
100 = national average
Typical Home:$104K

Fayetteville, NC

Population:209K
Cost Index:
92.0
100 = national average
Typical Home:$238K

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Montgomery, AL

The Heart of Dixie

201K
Population
State Tax
Yes

Located in Alabama, this city has a population of 201K residents.

Fayetteville, NC

The Tar Heel State

209K
Population
State Tax
Yes

Located in North Carolina, this city has a population of 209K residents.

Cost Breakdown by Category

Estimated monthly spending: Montgomery, AL vs Fayetteville, NC

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↑ 19.7%
Montgomery, AL
$2,101
Fayetteville, NC
$2,516
Difference
$414
more
Healthcare
↑ 16.9%
Montgomery, AL
$586
Fayetteville, NC
$684
Difference
$98.79
more
Other
↑ 5.5%
Montgomery, AL
$1,735
Fayetteville, NC
$1,830
Difference
$95.33
more
All Utilities
↓ 4.0%
Montgomery, AL
$616
Fayetteville, NC
$591
Difference
$24.89
less
Groceries
→ 0.0%
Montgomery, AL
$1,093
Fayetteville, NC
$1,093
Difference
$0
same
Transportation
→ 0.0%
Montgomery, AL
$1,369
Fayetteville, NC
$1,369
Difference
$0
same

🏠Rent Comparison

Studio
From$830
To$1,110
↑ $280
1 Bed
From$840
To$1,130
↑ $290
2 Bed
From$980
To$1,270
↑ $290
3 Bed
From$1,255
To$1,690
↑ $435
Montgomery, ALZIP-level data

1BR range: $750–$1,110/mo

Fayetteville, NCZIP-level data

1BR range: $990–$1,280/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Montgomery, AL
$8,084
Monthly in Fayetteville, NC
$584
Difference

Home Values

Montgomery
Fayetteville
$104K
Median Value
$238K
↓ -0.1%
YoY Change
↑ +0.4%
↑ +27.6%
5-Year Change
↑ +45.9%
$45K - $250K
Price Range
$195K - $271K

Homes in Fayetteville are 128% more expensive than Montgomery

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $335
Per year
Monthly Difference
$27.92
More take-home
Effective Rate Diff
0.2%
Rate difference

Montgomery, AL

Federal Income Tax
Effective: 18.9%
$25.5K
Alabama State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.5K
Take-Home Pay
$8,794/month
$105.5K

Fayetteville, 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

Montgomery, AL Tax Rates

Sales Tax:9.1%
Property Tax:0.4%

Fayetteville, 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

Montgomery
Fayetteville
42 Good
Air Quality
46 Good
69%
Good Air Days
63.7%
92 Moderate
Climate Risk
89 Moderate
🌊🌡🌪
Top Hazards
🌀🌪
▲+2.6°F
2050 Outlook
▲+2.5°F
62 days
Heat Days >95°F
36 days
▲+2.6°F
2050 Outlook
▲+2.5°F
62 days
Heat Days >95°F
36 days

Before moving from Montgomery, AL to Fayetteville, NC

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Fayetteville, NC for the same bedroom count and included utilities as your home in Montgomery, AL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Montgomery to Fayetteville moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Fayetteville, NC by cost, housing, population and region.

Frequently Asked Questions: Montgomery, AL vs Fayetteville, NC

How do the cost estimates for Montgomery, AL and Fayetteville, NC compare?

Fayetteville, NC has a modeled overall cost index 8.2% higher than Montgomery, AL. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Montgomery, AL, the model estimates $157,003 in Fayetteville, NC. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Montgomery, AL and Fayetteville, NC?

The modeled two-bedroom rents are $980/month in Montgomery, AL and $1,270/month in Fayetteville, NC. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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

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