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Cost of Living Comparison 2026

📍 Oxford, MS — COL adjusted from Memphis, TN area + state data

$

Numbers update automatically as you type

You'd spend $1.7K/month more in Charlotte, NC

$150.0K in your current city equals $170.4K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 22.7%
More expensive
Monthly Impact
$1,704
Extra cost
Annual Impact
$20.4K
Per year

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

Oxford, MS

Population:27K
Cost Index:100
Median Home:$129K

Charlotte, NC

Population:875K
Cost Index:123
Median Home:$399K

Oxford, MS

The Magnolia State

27K
Population
State Tax
Yes

Located in Mississippi, this city has a population of 27K 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: Oxford, MS vs Charlotte, NC

🏠Housing
↑ 61.8%
Oxford, MS
$1,526
Charlotte, NC
$2,469
Difference
$943
more
📦Other
↑ 11.0%
Oxford, MS
$1,539
Charlotte, NC
$1,707
Difference
$169
more
🏥Healthcare
↑ 26.4%
Oxford, MS
$505
Charlotte, NC
$638
Difference
$133
more
🛒Groceries
↑ 9.9%
Oxford, MS
$901
Charlotte, NC
$989
Difference
$88.76
more
🚗Transportation
↑ 5.2%
Oxford, MS
$1,142
Charlotte, NC
$1,202
Difference
$59.58
more
⚡All Utilities
↑ 2.2%
Oxford, MS
$508
Charlotte, NC
$519
Difference
$10.96
more

🏠Rent Comparison

Studio
From$508
To$1,630
↑ $1,122
1 Bed
From$586
To$1,710
↑ $1,124
2 Bed
From$703
To$1,870
↑ $1,167
3 Bed
From$937
To$2,300
↑ $1,363
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.

$6,121
Monthly in Oxford, MS
$7,525
Monthly in Charlotte, NC
$1,404
Difference

Home Values

Oxford
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
↑ $225
Per year
Monthly Difference
$18.75
More take-home
Effective Rate Diff
0.2%
Rate difference

Oxford, MS

Federal Income Tax
Effective: 18.9%
$25.5K
Mississippi State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,803/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

Oxford, MS Tax Rates

Sales Tax:7.1%
Property Tax:0.6%

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

Oxford
Charlotte
55 Moderate
Air Quality
51 Moderate
34.4%
Good Air Days
46.2%
99 High
Climate Risk
97 High
🌊🌡🫨
Top Hazards
🌊🌪💨
▲+2.8°F
2050 Outlook
▲+2.9°F
54 days
Heat Days >95°F
36 days
▲+2.8°F
2050 Outlook
▲+2.9°F
54 days
Heat Days >95°F
36 days

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

Similar cost to Charlotte, NC

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