Is Charlotte, NC cheaper than Palm Coast, FL?

Based on cost of living data, Charlotte, NC is 5.0% more expensive than Palm Coast, FL. This translates to spending an extra $378 per month.

What salary do I need in Charlotte, NC to live like I do in Palm Coast, FL?

If you earn $150,000 in Palm Coast, FL, you'd need approximately $154,541.864 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Palm Coast, FL and Charlotte, NC?

Housing in Charlotte, NC is 26.4% more expensive than in Palm Coast, FL. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,603/month in Palm Coast, FL.

How much can I save per month by moving from Palm Coast, FL to Charlotte, NC?

Living in Charlotte, NC costs approximately $378 more per month than Palm Coast, FL, or $4542 more per year, based on a $150,000 salary.

Palm Coast, FL vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Palm Coast, FL — ZIP-level rent data · COL adjusted from Jacksonville, FL area

Current salary in Palm Coast, FL

Numbers update automatically as you type

You'd spend $378/month more in Charlotte, NC

$150.0K in your current city equals $154.5K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 5.0%

More expensive

Monthly Impact

$378

Extra cost

Annual Impact

$4.5K

Per year

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

Palm Coast, FL

Population:102K

Cost Index:100

Median Home:$375K

Charlotte, NC

Population:875K

Cost Index:105

Median Home:$399K

Palm Coast, FL

The Sunshine State

102K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 102K residents.

💡 Advantage: Florida has no state income tax!

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: Palm Coast, FL vs Charlotte, NC

Category	Palm Coast, FL	Charlotte, NC	Difference	Change
🏠Housing	$1,953/mo	$2,469/mo	↑ $516more	26.4%
📦Other	$1,595/mo	$1,707/mo	↑ $112more	7.0%
🏥Healthcare	$565/mo	$638/mo	↑ $73.21more	13.0%
🚗Transportation	$1,261/mo	$1,202/mo	↓ $59.28less	4.7%
⚡All Utilities	$569/mo	$519/mo	↓ $49.55less	8.7%
🛒Groceries	$1,010/mo	$989/mo	↓ $20.94less	2.1%

🏠Housing

↑ 26.4%

Palm Coast, FL

$1,953

Charlotte, NC

$2,469

Difference

$516

📦Other

↑ 7.0%

Palm Coast, FL

$1,595

Charlotte, NC

$1,707

Difference

$112

🏥Healthcare

↑ 13.0%

Palm Coast, FL

$565

Charlotte, NC

$638

Difference

$73.21

🚗Transportation

↓ 4.7%

Palm Coast, FL

$1,261

Charlotte, NC

$1,202

Difference

$59.28

less

⚡All Utilities

↓ 8.7%

Palm Coast, FL

$569

Charlotte, NC

$519

Difference

$49.55

less

🛒Groceries

↓ 2.1%

Palm Coast, FL

$1,010

Charlotte, NC

$989

Difference

$20.94

less

🏠Rent Comparison

Studio

From$1,136

To$1,630

↑ $494

1 Bed

From$1,269

To$1,710

↑ $441

2 Bed

From$1,603

To$1,870

↑ $267

3 Bed

From$2,188

To$2,300

↑ $112

Palm Coast, FLZIP-level data

1BR range: $1,520–$1,520/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.

$6,953

Monthly in Palm Coast, FL

$7,525

Monthly in Charlotte, NC

$572

Difference

Home Values

Palm Coast

Charlotte

$375K

Median Value

$399K

↓ -3.6%

YoY Change

↓ -1.1%

↑ +29.4%

5-Year Change

↑ +40.8%

$375K

Price Range

$293K - $1.57M

Homes in Charlotte are 6% more expensive than Palm Coast

Calculate payment - Palm Coast Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $7.1K

More taxes

Monthly Difference

$594

Less take-home

Effective Rate Diff

4.7%

Rate difference

Palm Coast, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

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

Palm Coast, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

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.