Smith Center, KS vs Charlotte, NC: Cost of Living

Which city costs less?

Charlotte, NC has a modeled overall cost index 35.4% higher than Smith Center, KS.

Smith Center, KS · modeled 2BR rent
$920 / month
Charlotte, NC · modeled 2BR rent
$1,870 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Smith Center, KS and Charlotte, NC using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated extra cost: $2,629/month in Charlotte, NC

$150,000 in your current city has a modeled equivalent of $181,552 in Charlotte, NC

Regional cost estimates: Smith Center, KS uses Lincoln, NE. Charlotte, NC uses Charlotte-Concord-Gastonia, NC-SC Metropolitan Area. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 35.4%
More expensive
Monthly Impact
$2,629
Extra cost
Annual Impact
$31.6K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Smith Center, KS

Population:2K
Cost Index:
71.6
100 = national average
Typical Home:$106K

Charlotte, NC

Population:875K
Cost Index:
97.0
100 = national average
Typical Home:$399K

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Smith Center, KS

The Sunflower State

2K
Population
State Tax
Yes

Located in Kansas, this city has a population of 2K 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

Estimated monthly spending: Smith Center, KS vs Charlotte, NC

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↑ 65.6%
Smith Center, KS
$2,007
Charlotte, NC
$3,323
Difference
$1,316
more
Other
↑ 37.9%
Smith Center, KS
$1,667
Charlotte, NC
$2,298
Difference
$631
more
Transportation
↑ 22.9%
Smith Center, KS
$1,317
Charlotte, NC
$1,618
Difference
$301
more
Groceries
↑ 17.5%
Smith Center, KS
$1,134
Charlotte, NC
$1,332
Difference
$198
more
All Utilities
↑ 24.5%
Smith Center, KS
$561
Charlotte, NC
$699
Difference
$138
more
Healthcare
↑ 5.5%
Smith Center, KS
$814
Charlotte, NC
$859
Difference
$45.14
more

🏠Rent Comparison

Studio
From$670
To$1,630
↑ $960
1 Bed
From$800
To$1,710
↑ $910
2 Bed
From$920
To$1,870
↑ $950
3 Bed
From$1,190
To$2,300
↑ $1,110
Smith Center, KSZIP-level data

1BR range: $800–$800/mo

Charlotte, NCZIP-level data

1BR range: $1,340–$2,310/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Smith Center, KS
$10,129
Monthly in Charlotte, NC
$2,629
Difference

Home Values

Smith Center
Charlotte
$106K
Median Value
$399K
↓ -1.9%
YoY Change
↓ -1.1%
↑ +45.3%
5-Year Change
↑ +40.8%
$106K
Price Range
$293K - $1.57M

Homes in Charlotte are 276% more expensive than Smith Center

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $1.3K
Per year
Monthly Difference
$108
More take-home
Effective Rate Diff
0.9%
Rate difference

Smith Center, KS

Federal Income Tax
Effective: 18.9%
$25.5K
Kansas State Tax
Effective: 5.6%
$8.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.3%
$45.4K
Take-Home Pay
$8,714/month
$104.6K

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

Smith Center, KS Tax Rates

Sales Tax:8.7%
Property Tax:1.3%

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

Smith Center
Charlotte
41 Good
Air Quality
51 Moderate
83.7%
Good Air Days
46.2%
91 Moderate
Climate Risk
97 High
🌪💨
Top Hazards
🌊🌪💨
▲+3.3°F
2050 Outlook
▲+2.9°F
38 days
Heat Days >95°F
36 days
▲+3.3°F
2050 Outlook
▲+2.9°F
38 days
Heat Days >95°F
36 days

Before moving from Smith Center, KS to Charlotte, NC

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Charlotte, NC for the same bedroom count and included utilities as your home in Smith Center, KS. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Smith Center to Charlotte moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Charlotte, NC by cost, housing, population and region.

Frequently Asked Questions: Smith Center, KS vs Charlotte, NC

How do the cost estimates for Smith Center, KS and Charlotte, NC compare?

Charlotte, NC has a modeled overall cost index 35.4% higher than Smith Center, KS. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Smith Center, KS, the model estimates $181,552 in Charlotte, NC. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Smith Center, KS and Charlotte, NC?

The modeled two-bedroom rents are $920/month in Smith Center, KS and $1,870/month in Charlotte, NC. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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

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