Is Charlotte, NC cheaper than St. Cloud, FL?

Based on cost of living data, Charlotte, NC is 2.6% cheaper than St. Cloud, FL. This translates to saving $194 per month.

What salary do I need in Charlotte, NC to live like I do in St. Cloud, FL?

If you earn $150,000 in St. Cloud, FL, you'd need approximately $147,674.503 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between St. Cloud, FL and Charlotte, NC?

Housing in Charlotte, NC is 5.0% more expensive than in St. Cloud, FL. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,742/month in St. Cloud, FL.

How much can I save per month by moving from St. Cloud, FL to Charlotte, NC?

Moving from St. Cloud, FL to Charlotte, NC could save you approximately $194 per month, or $2325 per year, based on a $150,000 salary.

St. Cloud, FL vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 St. Cloud, FL — ZIP-level rent data · COL adjusted from Orlando, FL area

Current salary in St. Cloud, FL

Numbers update automatically as you type

You'd save $194/month moving to Charlotte, NC

$150.0K in your current city equals $147.7K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Orlando-Kissimmee-Sanford, FL area

Overall Cost

↓ 2.6%

Less expensive

Monthly Impact

$194

Savings

Annual Impact

$2.3K

Per year

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

St. Cloud, FL

Population:66K

Cost Index:100

Median Home:$386K

Charlotte, NC

Population:875K

Cost Index:97

Median Home:$399K

St. Cloud, FL

The Sunshine State

66K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 66K residents.

💡 Advantage: Florida 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: St. Cloud, FL vs Charlotte, NC

Category	St. Cloud, FL	Charlotte, NC	Difference	Change
🏠Housing	$2,351/mo	$2,469/mo	↑ $117more	5.0%
🏥Healthcare	$560/mo	$638/mo	↑ $77.72more	13.9%
⚡All Utilities	$564/mo	$519/mo	↓ $45.02less	8.0%
📦Other	$1,748/mo	$1,707/mo	↓ $40.28less	2.3%
🚗Transportation	$1,241/mo	$1,202/mo	↓ $39.24less	3.2%
🛒Groceries	$1,002/mo	$989/mo	↓ $12.88less	1.3%

🏠Housing

↑ 5.0%

St. Cloud, FL

$2,351

Charlotte, NC

$2,469

Difference

$117

🏥Healthcare

↑ 13.9%

St. Cloud, FL

$560

Charlotte, NC

$638

Difference

$77.72

⚡All Utilities

↓ 8.0%

St. Cloud, FL

$564

Charlotte, NC

$519

Difference

$45.02

less

📦Other

↓ 2.3%

St. Cloud, FL

$1,748

Charlotte, NC

$1,707

Difference

$40.28

less

🚗Transportation

↓ 3.2%

St. Cloud, FL

$1,241

Charlotte, NC

$1,202

Difference

$39.24

less

🛒Groceries

↓ 1.3%

St. Cloud, FL

$1,002

Charlotte, NC

$989

Difference

$12.88

less

🏠Rent Comparison

Studio

From$1,459

To$1,630

↑ $171

1 Bed

From$1,528

To$1,710

↑ $182

2 Bed

From$1,742

To$1,870

↑ $128

3 Bed

From$2,186

To$2,300

↑ $114

St. Cloud, FLZIP-level data

1BR range: $1,420–$2,420/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.

$7,467

Monthly in St. Cloud, FL

$7,525

Monthly in Charlotte, NC

$57.62

Difference

Home Values

St. Cloud

Charlotte

$386K

Median Value

$399K

↓ -4.5%

YoY Change

↓ -1.1%

↑ +33.4%

5-Year Change

↑ +40.8%

$312K - $435K

Price Range

$293K - $1.57M

Homes in Charlotte are 3% more expensive than St. Cloud

Calculate payment - St. Cloud 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

St. Cloud, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

St. Cloud, FL Tax Rates

Sales Tax:7.2%

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.