Is Charlotte, NC cheaper than Niles, IL?

Based on cost of living data, Charlotte, NC is 0.5% cheaper than Niles, IL. The two cities have very similar living costs.

What salary do I need in Charlotte, NC to live like I do in Niles, IL?

If you earn $150,000 in Niles, IL, you'd need approximately $149,576.208 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Niles, IL and Charlotte, NC?

Housing in Charlotte, NC is 0.8% cheaper than in Niles, IL. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,195/month in Niles, IL.

How much can I save per month by moving from Niles, IL to Charlotte, NC?

Moving from Niles, IL to Charlotte, NC could save you approximately $35 per month, or $424 per year, based on a $150,000 salary.

Niles, IL vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Niles, IL — ZIP-level rent data · COL adjusted from Chicago, IL area

Current salary in Niles, IL

Numbers update automatically as you type

You'd save $35.32/month moving to Charlotte, NC

$150.0K in your current city equals $149.6K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area

Overall Cost

↓ 0.5%

Less expensive

Monthly Impact

$35.32

Savings

Annual Impact

$424

Per year

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

Niles, IL

Population:30K

Cost Index:100

Median Home:$383K

Charlotte, NC

Population:875K

Cost Index:100

Median Home:$399K

Niles, IL

The Prairie State

30K

Population

State Tax

Yes

Located in Illinois, this city has a population of 30K 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: Niles, IL vs Charlotte, NC

Category	Niles, IL	Charlotte, NC	Difference	Change
🚗Transportation	$1,515/mo	$1,202/mo	↓ $313less	20.6%
📦Other	$1,585/mo	$1,707/mo	↑ $123more	7.7%
🏥Healthcare	$565/mo	$638/mo	↑ $73.40more	13.0%
⚡All Utilities	$493/mo	$519/mo	↑ $26.21more	5.3%
🏠Housing	$2,488/mo	$2,469/mo	↓ $19.39less	0.8%
🛒Groceries	$977/mo	$989/mo	↑ $12.00more	1.2%

🚗Transportation

↓ 20.6%

Niles, IL

$1,515

Charlotte, NC

$1,202

Difference

$313

less

📦Other

↑ 7.7%

Niles, IL

$1,585

Charlotte, NC

$1,707

Difference

$123

🏥Healthcare

↑ 13.0%

Niles, IL

$565

Charlotte, NC

$638

Difference

$73.40

⚡All Utilities

↑ 5.3%

Niles, IL

$493

Charlotte, NC

$519

Difference

$26.21

🏠Housing

↓ 0.8%

Niles, IL

$2,488

Charlotte, NC

$2,469

Difference

$19.39

less

🛒Groceries

↑ 1.2%

Niles, IL

$977

Charlotte, NC

$989

Difference

$12.00

🏠Rent Comparison

Studio

From$996

To$1,630

↑ $634

1 Bed

From$1,058

To$1,710

↑ $652

2 Bed

From$1,195

To$1,870

↑ $675

3 Bed

From$1,540

To$2,300

↑ $760

Niles, ILZIP-level data

1BR range: $1,380–$1,380/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.

$7,623

Monthly in Niles, IL

$7,525

Monthly in Charlotte, NC

$97.67

Difference

Home Values

Niles

Charlotte

$383K

Median Value

$399K

↑ +6.5%

YoY Change

↓ -1.1%

↑ +35.9%

5-Year Change

↑ +40.8%

$383K

Price Range

$293K - $1.57M

Homes in Charlotte are 4% more expensive than Niles

Calculate payment - Niles 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

Niles, 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

Niles, 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.