Is Charlotte, NC cheaper than Pittsfield, MA?

Based on cost of living data, Charlotte, NC is 6.3% cheaper than Pittsfield, MA. This translates to saving $469 per month.

What salary do I need in Charlotte, NC to live like I do in Pittsfield, MA?

If you earn $150,000 in Pittsfield, MA, you'd need approximately $144,370.295 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Pittsfield, MA and Charlotte, NC?

Housing in Charlotte, NC is 25.1% cheaper than in Pittsfield, MA. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $992/month in Pittsfield, MA.

How much can I save per month by moving from Pittsfield, MA to Charlotte, NC?

Moving from Pittsfield, MA to Charlotte, NC could save you approximately $469 per month, or $5630 per year, based on a $150,000 salary.

Pittsfield, MA vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Pittsfield, MA — ZIP-level rent data · COL adjusted from Boston, MA area

Current salary in Pittsfield, MA

Numbers update automatically as you type

You'd save $469/month moving to Charlotte, NC

$150.0K in your current city equals $144.4K in Charlotte, NC

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

Overall Cost

↓ 6.3%

Less expensive

Monthly Impact

$469

Savings

Annual Impact

$5.6K

Per year

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

Pittsfield, MA

Population:43K

Cost Index:100

Median Home:$295K

Charlotte, NC

Population:875K

Cost Index:94

Median Home:$399K

Pittsfield, MA

The Bay State

43K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 43K 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: Pittsfield, MA vs Charlotte, NC

Category	Pittsfield, MA	Charlotte, NC	Difference	Change
🏠Housing	$3,297/mo	$2,469/mo	↓ $828less	25.1%
📦Other	$1,267/mo	$1,707/mo	↑ $440more	34.8%
🛒Groceries	$899/mo	$989/mo	↑ $89.93more	10.0%
⚡All Utilities	$597/mo	$519/mo	↓ $77.41less	13.0%
🚗Transportation	$1,271/mo	$1,202/mo	↓ $69.06less	5.4%
🏥Healthcare	$620/mo	$638/mo	↑ $18.59more	3.0%

🏠Housing

↓ 25.1%

Pittsfield, MA

$3,297

Charlotte, NC

$2,469

Difference

$828

less

📦Other

↑ 34.8%

Pittsfield, MA

$1,267

Charlotte, NC

$1,707

Difference

$440

🛒Groceries

↑ 10.0%

Pittsfield, MA

$899

Charlotte, NC

$989

Difference

$89.93

⚡All Utilities

↓ 13.0%

Pittsfield, MA

$597

Charlotte, NC

$519

Difference

$77.41

less

🚗Transportation

↓ 5.4%

Pittsfield, MA

$1,271

Charlotte, NC

$1,202

Difference

$69.06

less

🏥Healthcare

↑ 3.0%

Pittsfield, MA

$620

Charlotte, NC

$638

Difference

$18.59

🏠Rent Comparison

Studio

From$756

To$1,630

↑ $874

1 Bed

From$773

To$1,710

↑ $937

2 Bed

From$992

To$1,870

↑ $878

3 Bed

From$1,287

To$2,300

↑ $1,013

Pittsfield, MAZIP-level data

1BR range: $1,310–$1,310/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.

$7,951

Monthly in Pittsfield, MA

$7,525

Monthly in Charlotte, NC

$426

Difference

Home Values

Pittsfield

Charlotte

$295K

Median Value

$399K

↑ +1.7%

YoY Change

↓ -1.1%

↑ +46.3%

5-Year Change

↑ +40.8%

$295K

Price Range

$293K - $1.57M

Homes in Charlotte are 35% more expensive than Pittsfield

Calculate payment - Pittsfield Calculate 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

Pittsfield, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts 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

Pittsfield, MA Tax Rates

Sales Tax:6.3%

Property Tax:1.2%

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.