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Cost of Living Comparison 2026

📍 Pine Bluff, AR — ZIP-level rent data · COL adjusted from Memphis, TN area

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Numbers update automatically as you type

You'd spend $2.0K/month more in Charlotte, NC

$150.0K in your current city equals $173.6K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 26.2%
More expensive
Monthly Impact
$1,965
Extra cost
Annual Impact
$23.6K
Per year

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

Pine Bluff, AR

Population:39K
Cost Index:100
Median Home:$94K

Charlotte, NC

Population:875K
Cost Index:126
Median Home:$399K

Pine Bluff, AR

The Natural State

39K
Population
State Tax
Yes

Located in Arkansas, this city has a population of 39K 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: Pine Bluff, AR vs Charlotte, NC

🏠Housing
↑ 66.3%
Pine Bluff, AR
$1,484
Charlotte, NC
$2,469
Difference
$985
more
📦Other
↑ 14.1%
Pine Bluff, AR
$1,496
Charlotte, NC
$1,707
Difference
$211
more
🏥Healthcare
↑ 28.2%
Pine Bluff, AR
$498
Charlotte, NC
$638
Difference
$140
more
🛒Groceries
↑ 11.4%
Pine Bluff, AR
$888
Charlotte, NC
$989
Difference
$101
more
🚗Transportation
↑ 8.2%
Pine Bluff, AR
$1,111
Charlotte, NC
$1,202
Difference
$91.09
more
⚡All Utilities
↑ 3.6%
Pine Bluff, AR
$501
Charlotte, NC
$519
Difference
$18.02
more

🏠Rent Comparison

Studio
From$539
To$1,630
↑ $1,091
1 Bed
From$570
To$1,710
↑ $1,140
2 Bed
From$729
To$1,870
↑ $1,141
3 Bed
From$950
To$2,300
↑ $1,350
Pine Bluff, ARZIP-level data

1BR range: $750–$750/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.

$5,978
Monthly in Pine Bluff, AR
$7,525
Monthly in Charlotte, NC
$1,547
Difference

Home Values

Pine Bluff
Charlotte
$94K
Median Value
$399K
↓ -1.3%
YoY Change
↓ -1.1%
↑ +17.5%
5-Year Change
↑ +40.8%
$94K
Price Range
$293K - $1.57M

Homes in Charlotte are 324% more expensive than Pine Bluff

Calculate payment - Pine BluffCalculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $1.9K
Per year
Monthly Difference
$158
More take-home
Effective Rate Diff
1.3%
Rate difference

Pine Bluff, AR

Federal Income Tax
Effective: 18.9%
$25.5K
Arkansas State Tax
Effective: 6.0%
$9.0K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.7%
$46.0K
Take-Home Pay
$8,664/month
$104.0K

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

Pine Bluff, AR Tax Rates

Sales Tax:9.4%
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

Pine Bluff
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 Arkansas and North Carolina on TaxTakeHome.com

Similar cost to Charlotte, NC

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