Is Charlotte, NC cheaper than Saint Paul, MN?

Based on cost of living data, Charlotte, NC is 10.2% cheaper than Saint Paul, MN. This translates to saving $764 per month.

What salary do I need in Charlotte, NC to live like I do in Saint Paul, MN?

If you earn $150,000 in Saint Paul, MN, you'd need approximately $140,833.333 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Saint Paul, MN and Charlotte, NC?

Housing in Charlotte, NC is 12.0% cheaper than in Saint Paul, MN. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,500/month in Saint Paul, MN.

How much can I save per month by moving from Saint Paul, MN to Charlotte, NC?

Moving from Saint Paul, MN to Charlotte, NC could save you approximately $764 per month, or $9167 per year, based on a $150,000 salary.

Saint Paul, MN vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Current salary in Saint Paul, MN

Numbers update automatically as you type

You'd save $764/month moving to Charlotte, NC

$150.0K in your current city equals $140.8K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Minneapolis-St. Paul-Bloomington, MN-WI area

Overall Cost

↓ 10.2%

Less expensive

Monthly Impact

$764

Savings

Annual Impact

$9.2K

Per year

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

Saint Paul, MN

Population:308K

Cost Index:100

Median Home:$274K

Charlotte, NC

Population:875K

Cost Index:90

Median Home:$399K

Saint Paul, MN

The North Star State

308K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 308K 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: Saint Paul, MN vs Charlotte, NC

Category	Saint Paul, MN	Charlotte, NC	Difference	Change
🏠Housing	$2,807/mo	$2,469/mo	↓ $338less	12.0%
🚗Transportation	$1,380/mo	$1,202/mo	↓ $178less	12.9%
🏥Healthcare	$756/mo	$638/mo	↓ $118less	15.6%
📦Other	$1,774/mo	$1,707/mo	↓ $66.96less	3.8%
🛒Groceries	$1,029/mo	$989/mo	↓ $39.97less	3.9%
⚡All Utilities	$508/mo	$519/mo	↑ $10.93more	2.2%

🏠Housing

↓ 12.0%

Saint Paul, MN

$2,807

Charlotte, NC

$2,469

Difference

$338

less

🚗Transportation

↓ 12.9%

Saint Paul, MN

$1,380

Charlotte, NC

$1,202

Difference

$178

less

🏥Healthcare

↓ 15.6%

Saint Paul, MN

$756

Charlotte, NC

$638

Difference

$118

less

📦Other

↓ 3.8%

Saint Paul, MN

$1,774

Charlotte, NC

$1,707

Difference

$66.96

less

🛒Groceries

↓ 3.9%

Saint Paul, MN

$1,029

Charlotte, NC

$989

Difference

$39.97

less

⚡All Utilities

↑ 2.2%

Saint Paul, MN

$508

Charlotte, NC

$519

Difference

$10.93

🏠Rent Comparison

Studio

From$1,000

To$1,630

↑ $630

1 Bed

From$1,200

To$1,710

↑ $510

2 Bed

From$1,500

To$1,870

↑ $370

3 Bed

From$2,100

To$2,300

↑ $200

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.

$8,254

Monthly in Saint Paul, MN

$7,525

Monthly in Charlotte, NC

$729

Difference

Home Values

Saint Paul

Charlotte

$274K

Median Value

$399K

↓ -0.1%

YoY Change

↓ -1.1%

↑ +13.6%

5-Year Change

↑ +40.8%

$175K - $452K

Price Range

$293K - $1.57M

Homes in Charlotte are 45% more expensive than Saint Paul

Calculate payment - Saint Paul Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $3.3K

Per year

Monthly Difference

$276

More take-home

Effective Rate Diff

2.2%

Rate difference

Saint Paul, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

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

Saint Paul, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

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.