Montverde, FL vs Nags Head, NC: Cost of Living

Which city costs less?

Nags Head, NC has a modeled overall cost index 4.5% lower than Montverde, FL.

Montverde, FL · modeled 2BR rent: $1,770 / month
Nags Head, 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 Montverde, FL and Nags Head, 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

Current salary in Montverde, FL

Numbers update automatically as you type

Estimated savings: $310/month in Nags Head, NC

$150,000 in your current city has a modeled equivalent of $146,278 in Nags Head, NC

Regional cost estimates: Montverde, FL uses Orlando, FL. Nags Head, NC uses Virginia Beach, VA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 4.5%

Less expensive

Monthly Impact

$310

Savings

Annual Impact

$3.7K

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.

Montverde, FL

Population:2K

Cost Index:

91.3

100 = national average

Typical Home:$690K

Nags Head, NC

Population:3K

Cost Index:

87.2

100 = national average

Typical Home:$700K

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Montverde, FL

The Sunshine State

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 2K residents.

💡 Advantage: Florida has no state income tax!

Nags Head, NC

The Tar Heel State

Population

State Tax

Yes

Located in North Carolina, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Montverde, FL vs Nags Head, 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.

Category	Montverde, FL	Nags Head, NC	Difference	Change
Other	$1,734/mo	$1,610/mo	↓ $124less	7.1%
Groceries	$1,038/mo	$955/mo	↓ $83.22less	8.0%
Housing	$2,332/mo	$2,249/mo	↓ $83.21less	3.6%
Transportation	$1,231/mo	$1,176/mo	↓ $55.23less	4.5%
Healthcare	$580/mo	$629/mo	↑ $48.49more	8.4%
All Utilities	$584/mo	$571/mo	↓ $13.26less	2.3%

Other

↓ 7.1%

Montverde, FL

$1,734

Nags Head, NC

$1,610

Difference

$124

less

Groceries

↓ 8.0%

Montverde, FL

$1,038

Nags Head, NC

$955

Difference

$83.22

less

Housing

↓ 3.6%

Montverde, FL

$2,332

Nags Head, NC

$2,249

Difference

$83.21

less

Transportation

↓ 4.5%

Montverde, FL

$1,231

Nags Head, NC

$1,176

Difference

$55.23

less

Healthcare

↑ 8.4%

Montverde, FL

$580

Nags Head, NC

$629

Difference

$48.49

All Utilities

↓ 2.3%

Montverde, FL

$584

Nags Head, NC

$571

Difference

$13.26

less

🏠Rent Comparison

Studio

From$1,480

To$990

↓ $490

1 Bed

From$1,550

To$1,150

↓ $400

2 Bed

From$1,770

To$1,270

↓ $500

3 Bed

From$2,220

To$1,690

↓ $530

Montverde, FLZIP-level data

1BR range: $1,550–$1,550/mo

Nags Head, NCZIP-level data

1BR range: $1,150–$1,150/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 Montverde, FL

$7,190

Monthly in Nags Head, NC

$310

Difference

Home Values

Montverde

Nags Head

$690K

Median Value

$700K

↓ -0.4%

YoY Change

↓ -0.1%

↑ +51.3%

5-Year Change

↑ +49.6%

Homes in Nags Head are 1% more expensive than Montverde

Calculate payment - Montverde Calculate payment - Nags Head

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

Montverde, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

Nags Head, 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

Montverde, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Nags Head, 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

Montverde

Nags Head

41 Good

Air Quality

36 Good

75.6%

Good Air Days

80.3%

98 High

Climate Risk

58 Low

🌊🌀🌪

Top Hazards

None

▲+2.3°F

2050 Outlook

▲+2.5°F

58 days

Heat Days >95°F

17 days

▲+2.3°F

2050 Outlook

▲+2.5°F

58 days

Heat Days >95°F

17 days

Before moving from Montverde, FL to Nags Head, NC

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

Compare actual homes. Get current quotes in Nags Head, NC for the same bedroom count and included utilities as your home in Montverde, FL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Montverde to Nags Head moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Montverde, FL vs Nags Head, NC

How do the cost estimates for Montverde, FL and Nags Head, NC compare?

Nags Head, NC has a modeled overall cost index 4.5% lower than Montverde, FL. 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 Montverde, FL, the model estimates $146,278 in Nags Head, 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 Montverde, FL and Nags Head, NC?

The modeled two-bedroom rents are $1,770/month in Montverde, FL and $1,270/month in Nags Head, 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 Florida and North Carolina on TaxTakeHome.com

Where your money goes further

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