Is Charlotte, NC cheaper than New Smyrna Beach, FL?

Based on cost of living data, Charlotte, NC is 0.1% more expensive than New Smyrna Beach, FL. The two cities have very similar living costs.

What salary do I need in Charlotte, NC to live like I do in New Smyrna Beach, FL?

If you earn $150,000 in New Smyrna Beach, FL, you'd need approximately $150,126.517 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between New Smyrna Beach, FL and Charlotte, NC?

Housing in Charlotte, NC is 7.9% more expensive than in New Smyrna Beach, FL. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,663/month in New Smyrna Beach, FL.

How much can I save per month by moving from New Smyrna Beach, FL to Charlotte, NC?

New Smyrna Beach, FL and Charlotte, NC have very similar costs of living, based on a $150,000 salary.

New Smyrna Beach, FL vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 New Smyrna Beach, FL — ZIP-level rent data · COL adjusted from Orlando, FL area

Current salary in New Smyrna Beach, FL

Numbers update automatically as you type

You'd spend $10.54/month more in Charlotte, NC

$150.0K in your current city equals $150.1K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 0.1%

More expensive

Monthly Impact

$10.54

Extra cost

Annual Impact

$127

Per year

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

New Smyrna Beach, FL

Population:33K

Cost Index:100

Median Home:$455K

Charlotte, NC

Population:875K

Cost Index:100

Median Home:$399K

New Smyrna Beach, FL

The Sunshine State

33K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 33K residents.

💡 Advantage: Florida 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: New Smyrna Beach, FL vs Charlotte, NC

Category	New Smyrna Beach, FL	Charlotte, NC	Difference	Change
🏠Housing	$2,287/mo	$2,469/mo	↑ $181more	7.9%
🏥Healthcare	$553/mo	$638/mo	↑ $85.39more	15.4%
⚡All Utilities	$556/mo	$519/mo	↓ $37.29less	6.7%
📦Other	$1,700/mo	$1,707/mo	↑ $7.27more	0.4%
🚗Transportation	$1,208/mo	$1,202/mo	↓ $5.46less	0.5%
🛒Groceries	$988/mo	$989/mo	↑ $0.85more	0.1%

🏠Housing

↑ 7.9%

New Smyrna Beach, FL

$2,287

Charlotte, NC

$2,469

Difference

$181

🏥Healthcare

↑ 15.4%

New Smyrna Beach, FL

$553

Charlotte, NC

$638

Difference

$85.39

⚡All Utilities

↓ 6.7%

New Smyrna Beach, FL

$556

Charlotte, NC

$519

Difference

$37.29

less

📦Other

↑ 0.4%

New Smyrna Beach, FL

$1,700

Charlotte, NC

$1,707

Difference

$7.27

🚗Transportation

↓ 0.5%

New Smyrna Beach, FL

$1,208

Charlotte, NC

$1,202

Difference

$5.46

less

🛒Groceries

↑ 0.1%

New Smyrna Beach, FL

$988

Charlotte, NC

$989

Difference

$0.85

🏠Rent Comparison

Studio

From$1,175

To$1,630

↑ $455

1 Bed

From$1,355

To$1,710

↑ $355

2 Bed

From$1,663

To$1,870

↑ $207

3 Bed

From$2,190

To$2,300

↑ $110

New Smyrna Beach, FLZIP-level data

1BR range: $1,610–$1,780/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.

$7,293

Monthly in New Smyrna Beach, FL

$7,525

Monthly in Charlotte, NC

$232

Difference

Home Values

New Smyrna Beach

Charlotte

$455K

Median Value

$399K

↓ -2.6%

YoY Change

↓ -1.1%

↑ +37.5%

5-Year Change

↑ +40.8%

$373K - $536K

Price Range

$293K - $1.57M

Homes in Charlotte are 12% less expensive than New Smyrna Beach

Calculate payment - New Smyrna Beach Calculate 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

New Smyrna Beach, 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

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

New Smyrna Beach, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

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.