Is Charlotte, NC cheaper than Poughkeepsie, NY?

Based on cost of living data, Charlotte, NC is 0.9% more expensive than Poughkeepsie, NY. The two cities have very similar living costs.

What salary do I need in Charlotte, NC to live like I do in Poughkeepsie, NY?

If you earn $150,000 in Poughkeepsie, NY, you'd need approximately $150,833.249 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Poughkeepsie, NY and Charlotte, NC?

Housing in Charlotte, NC is 36.3% more expensive than in Poughkeepsie, NY. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,324/month in Poughkeepsie, NY.

How much can I save per month by moving from Poughkeepsie, NY to Charlotte, NC?

Poughkeepsie, NY and Charlotte, NC have very similar costs of living, based on a $150,000 salary.

Poughkeepsie, NY vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Poughkeepsie, NY — COL adjusted from Newark, NJ area + state data

Current salary in Poughkeepsie, NY

Numbers update automatically as you type

You'd spend $69.44/month more in Charlotte, NC

$150.0K in your current city equals $150.8K in Charlotte, NC

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

Overall Cost

↑ 0.9%

More expensive

Monthly Impact

$69.44

Extra cost

Annual Impact

$833

Per year

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

Poughkeepsie, NY

Population:32K

Cost Index:100

Median Home:$484K

Charlotte, NC

Population:875K

Cost Index:101

Median Home:$399K

Poughkeepsie, NY

The Empire State

32K

Population

State Tax

Yes

Located in New York, this city has a population of 32K 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: Poughkeepsie, NY vs Charlotte, NC

Category	Poughkeepsie, NY	Charlotte, NC	Difference	Change
🏠Housing	$1,811/mo	$2,469/mo	↑ $658more	36.3%
🚗Transportation	$1,422/mo	$1,202/mo	↓ $220less	15.5%
📦Other	$1,803/mo	$1,707/mo	↓ $95.07less	5.3%
🛒Groceries	$1,037/mo	$989/mo	↓ $47.65less	4.6%
⚡All Utilities	$562/mo	$519/mo	↓ $42.76less	7.6%
🏥Healthcare	$649/mo	$638/mo	↓ $10.61less	1.6%

🏠Housing

↑ 36.3%

Poughkeepsie, NY

$1,811

Charlotte, NC

$2,469

Difference

$658

🚗Transportation

↓ 15.5%

Poughkeepsie, NY

$1,422

Charlotte, NC

$1,202

Difference

$220

less

📦Other

↓ 5.3%

Poughkeepsie, NY

$1,803

Charlotte, NC

$1,707

Difference

$95.07

less

🛒Groceries

↓ 4.6%

Poughkeepsie, NY

$1,037

Charlotte, NC

$989

Difference

$47.65

less

⚡All Utilities

↓ 7.6%

Poughkeepsie, NY

$562

Charlotte, NC

$519

Difference

$42.76

less

🏥Healthcare

↓ 1.6%

Poughkeepsie, NY

$649

Charlotte, NC

$638

Difference

$10.61

less

🏠Rent Comparison

Studio

From$908

To$1,630

↑ $722

1 Bed

From$1,059

To$1,710

↑ $651

2 Bed

From$1,324

To$1,870

↑ $546

3 Bed

From$1,815

To$2,300

↑ $485

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.

$7,283

Monthly in Poughkeepsie, NY

$7,525

Monthly in Charlotte, NC

$242

Difference

Home Values

Poughkeepsie

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

↑ $2.4K

Per year

Monthly Difference

$202

More take-home

Effective Rate Diff

1.6%

Rate difference

Poughkeepsie, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Poughkeepsie, NY Tax Rates

Sales Tax:8.8%

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.