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Cost of Living Comparison 2026

📍 O'Fallon, IL — COL adjusted from St. Louis, MO area + state data

$

Numbers update automatically as you type

You'd spend $1.3K/month more in Charlotte, NC

$150.0K in your current city equals $165.5K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from St. Louis, MO-IL area
Overall Cost
↑ 17.2%
More expensive
Monthly Impact
$1,290
Extra cost
Annual Impact
$15.5K
Per year

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

O'Fallon, IL

Population:32K
Cost Index:100
Median Home:$145K

Charlotte, NC

Population:875K
Cost Index:117
Median Home:$399K

O'Fallon, IL

The Prairie State

32K
Population
State Tax
Yes

Located in Illinois, this city has a population of 32K 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: O'Fallon, IL vs Charlotte, NC

🏠Housing
↑ 54.1%
O'Fallon, IL
$1,602
Charlotte, NC
$2,469
Difference
$867
more
📦Other
↑ 11.7%
O'Fallon, IL
$1,529
Charlotte, NC
$1,707
Difference
$179
more
🏥Healthcare
↑ 24.2%
O'Fallon, IL
$514
Charlotte, NC
$638
Difference
$125
more
🛒Groceries
↑ 6.8%
O'Fallon, IL
$926
Charlotte, NC
$989
Difference
$63.39
more
🚗Transportation
↑ 3.9%
O'Fallon, IL
$1,156
Charlotte, NC
$1,202
Difference
$45.59
more
⚡All Utilities
↓ 0.6%
O'Fallon, IL
$522
Charlotte, NC
$519
Difference
$3.18
less

🏠Rent Comparison

Studio
From$526
To$1,630
↑ $1,104
1 Bed
From$606
To$1,710
↑ $1,104
2 Bed
From$728
To$1,870
↑ $1,142
3 Bed
From$1,011
To$2,300
↑ $1,289
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.

$6,249
Monthly in O'Fallon, IL
$7,525
Monthly in Charlotte, NC
$1,276
Difference

Home Values

O'Fallon
Charlotte
-
Median Value
$399K
-
YoY Change
↓ -1.1%
-
5-Year Change
↑ +40.8%
-
Price Range
$293K - $1.57M
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

O'Fallon, 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

O'Fallon, 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

O'Fallon
Charlotte
54 Moderate
Air Quality
51 Moderate
38%
Good Air Days
46.2%
99 High
Climate Risk
97 High
🌊🌡🫨
Top Hazards
🌊🌪💨
▲+3.0°F
2050 Outlook
▲+2.9°F
39 days
Heat Days >95°F
36 days
▲+3.0°F
2050 Outlook
▲+2.9°F
39 days
Heat Days >95°F
36 days

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

Similar cost to Charlotte, NC

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