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Cost of Living Comparison 2026

📍 Roswell, NM — ZIP-level rent data · COL adjusted from Lubbock, TX area

$

Numbers update automatically as you type

You'd spend $1.1K/month more in Charlotte, NC

$150.0K in your current city equals $163.0K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 14.4%
More expensive
Monthly Impact
$1,082
Extra cost
Annual Impact
$13.0K
Per year

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

Roswell, NM

Population:47K
Cost Index:100
Median Home:$220K

Charlotte, NC

Population:875K
Cost Index:114
Median Home:$399K

Roswell, NM

The Land of Enchantment

47K
Population
State Tax
Yes

Located in New Mexico, this city has a population of 47K 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: Roswell, NM vs Charlotte, NC

🏠Housing
↑ 42.8%
Roswell, NM
$1,729
Charlotte, NC
$2,469
Difference
$740
more
📦Other
↑ 12.5%
Roswell, NM
$1,518
Charlotte, NC
$1,707
Difference
$189
more
🏥Healthcare
↑ 22.1%
Roswell, NM
$523
Charlotte, NC
$638
Difference
$115
more
🛒Groceries
↑ 8.4%
Roswell, NM
$913
Charlotte, NC
$989
Difference
$76.54
more
⚡All Utilities
↑ 7.5%
Roswell, NM
$483
Charlotte, NC
$519
Difference
$36.27
more
🚗Transportation
↓ 1.9%
Roswell, NM
$1,225
Charlotte, NC
$1,202
Difference
$23.22
less

🏠Rent Comparison

Studio
From$679
To$1,630
↑ $951
1 Bed
From$821
To$1,710
↑ $889
2 Bed
From$989
To$1,870
↑ $881
3 Bed
From$1,315
To$2,300
↑ $985
Roswell, NMZIP-level data

1BR range: $980–$980/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.

$6,391
Monthly in Roswell, NM
$7,525
Monthly in Charlotte, NC
$1,134
Difference

Home Values

Roswell
Charlotte
$220K
Median Value
$399K
↑ +0.3%
YoY Change
↓ -1.1%
↑ +18.2%
5-Year Change
↑ +40.8%
$220K
Price Range
$293K - $1.57M

Homes in Charlotte are 81% more expensive than Roswell

Calculate payment - RoswellCalculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $54.50
More taxes
Monthly Difference
$4.54
Less take-home
Effective Rate Diff
0.0%
Rate difference

Roswell, NM

Federal Income Tax
Effective: 18.9%
$25.5K
New Mexico State Tax
Effective: 4.7%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,826/month
$105.9K

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

Roswell, NM Tax Rates

Sales Tax:7.6%
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.

Environment

Roswell
Charlotte
23 Good
Air Quality
51 Moderate
92.2%
Good Air Days
46.2%
96 High
Climate Risk
97 High
☀🌪💨
Top Hazards
🌊🌪💨
▲+3.2°F
2050 Outlook
▲+2.9°F
78 days
Heat Days >95°F
36 days
▲+3.2°F
2050 Outlook
▲+2.9°F
78 days
Heat Days >95°F
36 days

💰 See how taxes change too — compare take-home pay between New Mexico and North Carolina on TaxTakeHome.com

Similar cost to Charlotte, NC

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