Is Charlotte, NC cheaper than Round Rock, TX?

Based on cost of living data, Charlotte, NC is 1.5% cheaper than Round Rock, TX. This translates to saving $114 per month.

What salary do I need in Charlotte, NC to live like I do in Round Rock, TX?

If you earn $150,000 in Round Rock, TX, you'd need approximately $148,637.125 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Round Rock, TX and Charlotte, NC?

Housing in Charlotte, NC is 0.6% cheaper than in Round Rock, TX. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,577/month in Round Rock, TX.

How much can I save per month by moving from Round Rock, TX to Charlotte, NC?

Moving from Round Rock, TX to Charlotte, NC could save you approximately $114 per month, or $1363 per year, based on a $150,000 salary.

Round Rock, TX vs Charlotte, NC: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Round Rock, TX — ZIP-level rent data · COL adjusted from Austin, TX area

Current salary in Round Rock, TX

Numbers update automatically as you type

You'd save $114/month moving to Charlotte, NC

$150.0K in your current city equals $148.6K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Austin-Round Rock-Georgetown, TX area

Overall Cost

↓ 1.5%

Less expensive

Monthly Impact

$114

Savings

Annual Impact

$1.4K

Per year

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

Round Rock, TX

Population:130K

Cost Index:100

Median Home:$404K

Charlotte, NC

Population:875K

Cost Index:98

Median Home:$399K

Round Rock, TX

The Lone Star State

130K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 130K residents.

💡 Advantage: Texas 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: Round Rock, TX vs Charlotte, NC

Category	Round Rock, TX	Charlotte, NC	Difference	Change
🏥Healthcare	$576/mo	$638/mo	↑ $62.59more	10.9%
🛒Groceries	$938/mo	$989/mo	↑ $51.21more	5.5%
📦Other	$1,665/mo	$1,707/mo	↑ $42.73more	2.6%
🚗Transportation	$1,228/mo	$1,202/mo	↓ $25.75less	2.1%
🏠Housing	$2,482/mo	$2,469/mo	↓ $13.70less	0.6%
⚡All Utilities	$529/mo	$519/mo	↓ $9.88less	1.9%

🏥Healthcare

↑ 10.9%

Round Rock, TX

$576

Charlotte, NC

$638

Difference

$62.59

🛒Groceries

↑ 5.5%

Round Rock, TX

$938

Charlotte, NC

$989

Difference

$51.21

📦Other

↑ 2.6%

Round Rock, TX

$1,665

Charlotte, NC

$1,707

Difference

$42.73

🚗Transportation

↓ 2.1%

Round Rock, TX

$1,228

Charlotte, NC

$1,202

Difference

$25.75

less

🏠Housing

↓ 0.6%

Round Rock, TX

$2,482

Charlotte, NC

$2,469

Difference

$13.70

less

⚡All Utilities

↓ 1.9%

Round Rock, TX

$529

Charlotte, NC

$519

Difference

$9.88

less

🏠Rent Comparison

Studio

From$1,252

To$1,630

↑ $378

1 Bed

From$1,329

To$1,710

↑ $381

2 Bed

From$1,577

To$1,870

↑ $293

3 Bed

From$1,999

To$2,300

↑ $301

Round Rock, TXZIP-level data

1BR range: $1,510–$1,760/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.

$7,418

Monthly in Round Rock, TX

$7,525

Monthly in Charlotte, NC

$107

Difference

Home Values

Round Rock

Charlotte

$404K

Median Value

$399K

↓ -5.4%

YoY Change

↓ -1.1%

↑ +21.6%

5-Year Change

↑ +40.8%

$335K - $474K

Price Range

$293K - $1.57M

Homes in Charlotte are 1% less expensive than Round Rock

Calculate payment - Round Rock 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

Round Rock, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

Round Rock, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.