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Cost of Living Comparison 2026

📍 Saginaw, TX — ZIP-level rent data · COL adjusted from Fort Worth, TX area

$

Numbers update automatically as you type

You'd spend $807/month more in Charlotte, NC

$150.0K in your current city equals $159.7K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area
Overall Cost
↑ 10.8%
More expensive
Monthly Impact
$807
Extra cost
Annual Impact
$9.7K
Per year

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

Saginaw, TX

Population:25K
Cost Index:100
Median Home:$316K

Charlotte, NC

Population:875K
Cost Index:111
Median Home:$399K

Saginaw, TX

The Lone Star State

25K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 25K 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: Saginaw, TX vs Charlotte, NC

🏠Housing
↑ 33.1%
Saginaw, TX
$1,854
Charlotte, NC
$2,469
Difference
$615
more
📦Other
↑ 7.4%
Saginaw, TX
$1,589
Charlotte, NC
$1,707
Difference
$118
more
🛒Groceries
↑ 12.1%
Saginaw, TX
$883
Charlotte, NC
$989
Difference
$107
more
🏥Healthcare
↑ 9.5%
Saginaw, TX
$583
Charlotte, NC
$638
Difference
$55.19
more
🚗Transportation
↑ 1.6%
Saginaw, TX
$1,184
Charlotte, NC
$1,202
Difference
$18.38
more
⚡All Utilities
↓ 1.1%
Saginaw, TX
$525
Charlotte, NC
$519
Difference
$5.54
less

🏠Rent Comparison

Studio
From$1,465
To$1,630
↑ $165
1 Bed
From$1,512
To$1,710
↑ $198
2 Bed
From$1,771
To$1,870
↑ $99.00
3 Bed
From$2,335
To$2,300
↓ $35.00
Saginaw, TXZIP-level data

1BR range: $1,930–$1,930/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.

$6,618
Monthly in Saginaw, TX
$7,525
Monthly in Charlotte, NC
$907
Difference

Home Values

Saginaw
Charlotte
$316K
Median Value
$399K
↓ -3.6%
YoY Change
↓ -1.1%
↑ +22.8%
5-Year Change
↑ +40.8%
$316K
Price Range
$293K - $1.57M

Homes in Charlotte are 26% more expensive than Saginaw

Calculate payment - SaginawCalculate 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

Saginaw, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
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

Saginaw, 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.

Environment

Saginaw
Charlotte
54 Moderate
Air Quality
51 Moderate
35.5%
Good Air Days
46.2%
99 High
Climate Risk
97 High
🌊🌡🌪
Top Hazards
🌊🌪💨
▲+2.7°F
2050 Outlook
▲+2.9°F
94 days
Heat Days >95°F
36 days
▲+2.7°F
2050 Outlook
▲+2.9°F
94 days
Heat Days >95°F
36 days

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

Where your money goes further

Cities cheaper than Saginaw, TX on a $150.0K salary

1.Indianapolis, IN
Save $49.34/mo
2.St. Louis, MO
Save $49.34/mo

Similar cost to Charlotte, NC

Other cities in a similar price range

Austin, TXDenver, CONashville, TN

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