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Cost of Living Comparison 2026

📍 Owensboro, KY — ZIP-level rent data · COL adjusted from Louisville, KY area

$

Numbers update automatically as you type

You'd spend $691/month more in Charlotte, NC

$150.0K in your current city equals $158.3K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 9.2%
More expensive
Monthly Impact
$691
Extra cost
Annual Impact
$8.3K
Per year

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

Owensboro, KY

Population:60K
Cost Index:100
Median Home:$203K

Charlotte, NC

Population:875K
Cost Index:109
Median Home:$399K

Owensboro, KY

The Bluegrass State

60K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 60K 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: Owensboro, KY vs Charlotte, NC

🏠Housing
↑ 30.4%
Owensboro, KY
$1,893
Charlotte, NC
$2,469
Difference
$576
more
📦Other
↑ 8.8%
Owensboro, KY
$1,569
Charlotte, NC
$1,707
Difference
$138
more
🚗Transportation
↓ 7.1%
Owensboro, KY
$1,294
Charlotte, NC
$1,202
Difference
$92.09
less
🏥Healthcare
↑ 13.9%
Owensboro, KY
$560
Charlotte, NC
$638
Difference
$78.06
more
⚡All Utilities
↑ 12.5%
Owensboro, KY
$461
Charlotte, NC
$519
Difference
$57.70
more
🛒Groceries
↑ 3.8%
Owensboro, KY
$953
Charlotte, NC
$989
Difference
$36.29
more

🏛️ Local Income Taxes

Owensboro, KY: Owensboro Occupational Tax$2,775/yr (1.8%)

Charlotte, NC has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$747
To$1,630
↑ $883
1 Bed
From$751
To$1,710
↑ $959
2 Bed
From$986
To$1,870
↑ $884
3 Bed
From$1,304
To$2,300
↑ $996
Owensboro, KYZIP-level data

1BR range: $890–$900/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.

$6,731
Monthly in Owensboro, KY
$7,525
Monthly in Charlotte, NC
$794
Difference

Home Values

Owensboro
Charlotte
$203K
Median Value
$399K
↑ +3.4%
YoY Change
↓ -1.1%
↑ +38.6%
5-Year Change
↑ +40.8%
$198K - $209K
Price Range
$293K - $1.57M

Homes in Charlotte are 96% more expensive than Owensboro

Calculate payment - OwensboroCalculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $375
Per year
Monthly Difference
$31.25
More take-home
Effective Rate Diff
0.3%
Rate difference

Owensboro, KY

Federal Income Tax
Effective: 18.9%
$25.5K
Kentucky State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.7%
$44.5K
Take-Home Pay
$8,791/month
$105.5K

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

Owensboro, KY Tax Rates

Sales Tax:6.0%
Property Tax:0.9%

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

Owensboro
Charlotte
50 Good
Air Quality
51 Moderate
50.8%
Good Air Days
46.2%
98 High
Climate Risk
97 High
🌊🌡🌪
Top Hazards
🌊🌪💨
▲+2.9°F
2050 Outlook
▲+2.9°F
37 days
Heat Days >95°F
36 days
▲+2.9°F
2050 Outlook
▲+2.9°F
37 days
Heat Days >95°F
36 days

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

Where your money goes further

Cities cheaper than Owensboro, KY on a $150.0K salary

1.Indianapolis, IN
Save $154/mo
2.St. Louis, MO
Save $154/mo

Similar cost to Charlotte, NC

Other cities in a similar price range

Austin, TXDenver, CONashville, TN

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