Mount Morris, IL vs Charlotte, NC: Cost of Living

Which city costs less?

Charlotte, NC has a modeled overall cost index 7.5% higher than Mount Morris, IL.

Mount Morris, IL · modeled 2BR rent: $1,120 / month
Charlotte, NC · modeled 2BR rent: $1,870 / 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 Mount Morris, IL and Charlotte, 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 Mount Morris, IL

Numbers update automatically as you type

Estimated extra cost: $672/month in Charlotte, NC

$150,000 in your current city has a modeled equivalent of $158,066 in Charlotte, NC

Regional cost estimates: Mount Morris, IL uses Madison, WI. Charlotte, NC uses Charlotte-Concord-Gastonia, NC-SC Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 7.5%

More expensive

Monthly Impact

$672

Extra cost

Annual Impact

$8.1K

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.

Mount Morris, IL

Population:3K

Cost Index:

90.2

100 = national average

Typical Home:$145K

Charlotte, NC

Population:875K

Cost Index:

97.0

100 = national average

Typical Home:$399K

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Mount Morris, IL

The Prairie State

Population

State Tax

Yes

Located in Illinois, this city has a population of 3K 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

Estimated monthly spending: Mount Morris, IL vs Charlotte, 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	Mount Morris, IL	Charlotte, NC	Difference	Change
Housing	$2,314/mo	$2,681/mo	↑ $367more	15.9%
Other	$1,672/mo	$1,854/mo	↑ $183more	10.9%
Groceries	$966/mo	$1,074/mo	↑ $109more	11.2%
All Utilities	$512/mo	$564/mo	↑ $52.13more	10.2%
Healthcare	$724/mo	$693/mo	↓ $30.53less	4.2%
Transportation	$1,313/mo	$1,305/mo	↓ $7.73less	0.6%

Housing

↑ 15.9%

Mount Morris, IL

$2,314

Charlotte, NC

$2,681

Difference

$367

Other

↑ 10.9%

Mount Morris, IL

$1,672

Charlotte, NC

$1,854

Difference

$183

Groceries

↑ 11.2%

Mount Morris, IL

$966

Charlotte, NC

$1,074

Difference

$109

All Utilities

↑ 10.2%

Mount Morris, IL

$512

Charlotte, NC

$564

Difference

$52.13

Healthcare

↓ 4.2%

Mount Morris, IL

$724

Charlotte, NC

$693

Difference

$30.53

less

Transportation

↓ 0.6%

Mount Morris, IL

$1,313

Charlotte, NC

$1,305

Difference

$7.73

less

🏠Rent Comparison

Studio

From$770

To$1,630

↑ $860

1 Bed

From$850

To$1,710

↑ $860

2 Bed

From$1,120

To$1,870

↑ $750

3 Bed

From$1,370

To$2,300

↑ $930

Mount Morris, ILZIP-level data

1BR range: $850–$850/mo

Charlotte, NCZIP-level data

1BR range: $1,340–$2,310/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 Mount Morris, IL

$8,172

Monthly in Charlotte, NC

$672

Difference

Home Values

Mount Morris

Charlotte

$145K

Median Value

$399K

↑ +11.1%

YoY Change

↓ -1.1%

↑ +44.5%

5-Year Change

↑ +40.8%

$145K

Price Range

$293K - $1.57M

Homes in Charlotte are 174% more expensive than Mount Morris

Calculate payment - Mount Morris Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $300

Per year

Monthly Difference

$25.00

More take-home

Effective Rate Diff

0.2%

Rate difference

Mount Morris, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

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

Mount Morris, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

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.

Environment

Mount Morris

Charlotte

42 Good

Air Quality

51 Moderate

72.1%

Good Air Days

46.2%

94 Moderate

Climate Risk

97 High

🌊🌪💨

Top Hazards

🌊🌪💨

▲+3.4°F

2050 Outlook

▲+2.9°F

10 days

Heat Days >95°F

36 days

▲+3.4°F

2050 Outlook

▲+2.9°F

10 days

Heat Days >95°F

36 days

Before moving from Mount Morris, IL to Charlotte, NC

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

Compare actual homes. Get current quotes in Charlotte, NC for the same bedroom count and included utilities as your home in Mount Morris, IL. 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 Mount Morris to Charlotte moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Mount Morris, IL vs Charlotte, NC

How do the cost estimates for Mount Morris, IL and Charlotte, NC compare?

Charlotte, NC has a modeled overall cost index 7.5% higher than Mount Morris, IL. 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 Mount Morris, IL, the model estimates $158,066 in Charlotte, 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 Mount Morris, IL and Charlotte, NC?

The modeled two-bedroom rents are $1,120/month in Mount Morris, IL and $1,870/month in Charlotte, 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 Illinois and North Carolina on TaxTakeHome.com