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Cost of Living Comparison 2026

๐Ÿ“ Paducah, KY โ€” ZIP-level rent data ยท COL adjusted from Nashville, TN area

$

Numbers update automatically as you type

You'd spend $889/month more in Charlotte, NC

$150.0K in your current city equals $160.7K in Charlotte, NC

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 11.9%
More expensive
Monthly Impact
$889
Extra cost
Annual Impact
$10.7K
Per year

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

Paducah, KY

Population:27K
Cost Index:100
Median Home:$187K

Charlotte, NC

Population:875K
Cost Index:112
Median Home:$399K

Paducah, KY

The Bluegrass State

27K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 27K residents.

Charlotte, NC

The Tar Heel State

875K
Population
State Tax
Yes
Climate
Humid subtropical

Notable Facts

  • โ€ขMajor banking center
  • โ€ขNASCAR headquarters
  • โ€ขQueen City

Major Industries

FinanceTechnologyEnergyMotorsports

Cost Breakdown by Category

Annual spending: Paducah, KY vs Charlotte, NC

๐Ÿ Housing
โ†‘ 22.9%
Paducah, KY
$2,009
Charlotte, NC
$2,469
Difference
$460
more
๐Ÿš—Transportation
โ†‘ 11.2%
Paducah, KY
$1,081
Charlotte, NC
$1,202
Difference
$121
more
๐Ÿ›’Groceries
โ†‘ 13.6%
Paducah, KY
$871
Charlotte, NC
$989
Difference
$118
more
๐ŸฅHealthcare
โ†‘ 14.5%
Paducah, KY
$557
Charlotte, NC
$638
Difference
$81.03
more
๐Ÿ“ฆOther
โ†‘ 4.4%
Paducah, KY
$1,635
Charlotte, NC
$1,707
Difference
$72.61
more
โšกAll Utilities
โ†‘ 9.0%
Paducah, KY
$476
Charlotte, NC
$519
Difference
$42.79
more

๐Ÿ›๏ธ Local Income Taxes

Paducah, KY: Paducah Occupational Tax$3,000/yr (2.0%)

Charlotte, NC has no local income tax.

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

๐Ÿ Rent Comparison

Studio
From$508
To$1,630
โ†‘ $1,122
1 Bed
From$590
To$1,710
โ†‘ $1,120
2 Bed
From$737
To$1,870
โ†‘ $1,133
3 Bed
From$887
To$2,300
โ†‘ $1,413
Paducah, KYZIP-level data

1BR range: $720โ€“$930/mo

Charlotte, NCZIP-level data

1BR range: $1,340โ€“$2,310/mo

๐Ÿ’ก 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.

$6,629
Monthly in Paducah, KY
$7,525
Monthly in Charlotte, NC
$896
Difference

Home Values

Paducah
Charlotte
$187K
Median Value
$399K
โ†‘ +4.5%
YoY Change
โ†“ -1.1%
โ†‘ +35%
5-Year Change
โ†‘ +40.8%
$156K - $217K
Price Range
$293K - $1.57M

Homes in Charlotte are 114% more expensive than Paducah

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

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

Paducah, 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

Paducah, KY Tax Rates

Sales Tax:6.0%
Property Tax:0.9%

Charlotte, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

๐Ÿ’ก 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

Paducah
Charlotte
50 Good
Air Quality
51 Moderate
51.6%
Good Air Days
46.2%
97 High
Climate Risk
97 High
๐ŸŒŠ๐Ÿซจ๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
โ–ฒ+2.8ยฐF
2050 Outlook
โ–ฒ+2.9ยฐF
42 days
Heat Days >95ยฐF
36 days
โ–ฒ+2.8ยฐF
2050 Outlook
โ–ฒ+2.9ยฐF
42 days
Heat Days >95ยฐF
36 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Kentucky and North Carolina on TaxTakeHome.com

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