Is Charlotte, NC cheaper than Suffolk, VA?

Based on cost of living data, Charlotte, NC is 2.0% cheaper than Suffolk, VA. This translates to saving $152 per month.

What salary do I need in Charlotte, NC to live like I do in Suffolk, VA?

If you earn $150,000 in Suffolk, VA, you'd need approximately $148,173.014 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Suffolk, VA and Charlotte, NC?

Housing in Charlotte, NC is 5.6% more expensive than in Suffolk, VA. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,667/month in Suffolk, VA.

How much can I save per month by moving from Suffolk, VA to Charlotte, NC?

Moving from Suffolk, VA to Charlotte, NC could save you approximately $152 per month, or $1827 per year, based on a $150,000 salary.

Suffolk, VA vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Suffolk, VA — ZIP-level rent data · COL adjusted from Chesapeake, VA area

Current salary in Suffolk, VA

Numbers update automatically as you type

You'd save $152/month moving to Charlotte, NC

$150.0K in your current city equals $148.2K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Virginia Beach-Norfolk-Newport News, VA-NC area

Overall Cost

↓ 2.0%

Less expensive

Monthly Impact

$152

Savings

Annual Impact

$1.8K

Per year

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

Suffolk, VA

Population:101K

Cost Index:100

Median Home:$439K

Charlotte, NC

Population:875K

Cost Index:98

Median Home:$399K

Suffolk, VA

The Old Dominion State

101K

Population

State Tax

Yes

Located in Virginia, this city has a population of 101K 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: Suffolk, VA vs Charlotte, NC

Category	Suffolk, VA	Charlotte, NC	Difference	Change
🏠Housing	$2,339/mo	$2,469/mo	↑ $130more	5.6%
🚗Transportation	$1,259/mo	$1,202/mo	↓ $56.66less	4.5%
⚡All Utilities	$568/mo	$519/mo	↓ $48.96less	8.6%
🛒Groceries	$950/mo	$989/mo	↑ $39.48more	4.2%
📦Other	$1,690/mo	$1,707/mo	↑ $17.23more	1.0%
🏥Healthcare	$626/mo	$638/mo	↑ $12.45more	2.0%

🏠Housing

↑ 5.6%

Suffolk, VA

$2,339

Charlotte, NC

$2,469

Difference

$130

🚗Transportation

↓ 4.5%

Suffolk, VA

$1,259

Charlotte, NC

$1,202

Difference

$56.66

less

⚡All Utilities

↓ 8.6%

Suffolk, VA

$568

Charlotte, NC

$519

Difference

$48.96

less

🛒Groceries

↑ 4.2%

Suffolk, VA

$950

Charlotte, NC

$989

Difference

$39.48

📦Other

↑ 1.0%

Suffolk, VA

$1,690

Charlotte, NC

$1,707

Difference

$17.23

🏥Healthcare

↑ 2.0%

Suffolk, VA

$626

Charlotte, NC

$638

Difference

$12.45

🏠Rent Comparison

Studio

From$1,450

To$1,630

↑ $180

1 Bed

From$1,458

To$1,710

↑ $252

2 Bed

From$1,667

To$1,870

↑ $203

3 Bed

From$2,325

To$2,300

↓ $25.00

Suffolk, VAZIP-level data

1BR range: $1,090–$1,920/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.

$7,431

Monthly in Suffolk, VA

$7,525

Monthly in Charlotte, NC

$93.71

Difference

Home Values

Suffolk

Charlotte

$439K

Median Value

$399K

↑ +1.3%

YoY Change

↓ -1.1%

↑ +34%

5-Year Change

↑ +40.8%

$328K - $531K

Price Range

$293K - $1.57M

Homes in Charlotte are 9% less expensive than Suffolk

Calculate payment - Suffolk Calculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.2K

Per year

Monthly Difference

$104

More take-home

Effective Rate Diff

0.8%

Rate difference

Suffolk, VA

Federal Income Tax

Effective: 18.9%

$25.5K

Virginia State Tax

Effective: 5.6%

$8.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.4K

Take-Home Pay

$8,718/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

Suffolk, VA Tax Rates

Sales Tax:5.7%

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.