Surfside Beach, SC vs Creedmoor, NC: Cost of Living

Which city costs less?

Creedmoor, NC has a modeled overall cost index 8.2% higher than Surfside Beach, SC.

Surfside Beach, SC · modeled 2BR rent
$1,600 / month
Creedmoor, NC · modeled 2BR rent
$1,400 / 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 Surfside Beach, SC and Creedmoor, 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

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Estimated extra cost: $656/month in Creedmoor, NC

$150,000 in your current city has a modeled equivalent of $157,873 in Creedmoor, NC

Regional cost estimates: Surfside Beach, SC uses Fayetteville, NC. Creedmoor, NC uses Durham, NC. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 8.2%
More expensive
Monthly Impact
$656
Extra cost
Annual Impact
$7.9K
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.

Surfside Beach, SC

Population:4K
Cost Index:
84.1
100 = national average
Typical Home:$348K

Creedmoor, NC

Population:5K
Cost Index:
90.9
100 = national average
Typical Home:$335K

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Surfside Beach, SC

The Palmetto State

4K
Population
State Tax
Yes

Located in South Carolina, this city has a population of 4K residents.

Creedmoor, NC

The Tar Heel State

5K
Population
State Tax
Yes

Located in North Carolina, this city has a population of 5K residents.

Cost Breakdown by Category

Estimated monthly spending: Surfside Beach, SC vs Creedmoor, 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
↑ 19.4%
Surfside Beach, SC
$2,139
Creedmoor, NC
$2,554
Difference
$415
more
Other
↑ 7.8%
Surfside Beach, SC
$1,729
Creedmoor, NC
$1,864
Difference
$135
more
Transportation
↑ 6.3%
Surfside Beach, SC
$1,293
Creedmoor, NC
$1,374
Difference
$81.34
more
All Utilities
↑ 5.0%
Surfside Beach, SC
$584
Creedmoor, NC
$613
Difference
$29.22
more
Groceries
↓ 0.2%
Surfside Beach, SC
$1,079
Creedmoor, NC
$1,077
Difference
$2.67
less
Healthcare
↓ 0.2%
Surfside Beach, SC
$676
Creedmoor, NC
$675
Difference
$1.67
less

🏠Rent Comparison

Studio
From$1,250
To$1,200
↓ $50.00
1 Bed
From$1,340
To$1,260
↓ $80.00
2 Bed
From$1,600
To$1,400
↓ $200
3 Bed
From$1,970
To$1,830
↓ $140
Surfside Beach, SCZIP-level data

1BR range: $1,340–$1,340/mo

Creedmoor, NCZIP-level data

1BR range: $1,260–$1,260/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 Surfside Beach, SC
$8,156
Monthly in Creedmoor, NC
$656
Difference

Home Values

Surfside Beach
Creedmoor
$348K
Median Value
$335K
↓ -2.4%
YoY Change
↑ +0.1%
↑ +43.4%
5-Year Change
↑ +45.2%

Homes in Creedmoor are 4% less expensive than Surfside Beach

Calculate payment - Surfside BeachCalculate payment - Creedmoor

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.8K
Per year
Monthly Difference
$236
More take-home
Effective Rate Diff
1.9%
Rate difference

Surfside Beach, SC

Federal Income Tax
Effective: 18.9%
$25.5K
South Carolina State Tax
Effective: 6.6%
$10.0K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.3%
$47.0K
Take-Home Pay
$8,586/month
$103.0K

Creedmoor, 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

Surfside Beach, SC Tax Rates

Sales Tax:7.4%
Property Tax:0.6%

Creedmoor, 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

Surfside Beach
Creedmoor
46 Good
Air Quality
51 Moderate
63.7%
Good Air Days
46.4%
89 Moderate
Climate Risk
90 Moderate
🌀🌪
Top Hazards
🌪💨
▲+2.5°F
2050 Outlook
▲+2.7°F
36 days
Heat Days >95°F
36 days
▲+2.5°F
2050 Outlook
▲+2.7°F
36 days
Heat Days >95°F
36 days

Before moving from Surfside Beach, SC to Creedmoor, 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 Creedmoor, NC for the same bedroom count and included utilities as your home in Surfside Beach, SC. 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 Surfside Beach to Creedmoor moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Surfside Beach, SC vs Creedmoor, NC

How do the cost estimates for Surfside Beach, SC and Creedmoor, NC compare?

Creedmoor, NC has a modeled overall cost index 8.2% higher than Surfside Beach, SC. 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 Surfside Beach, SC, the model estimates $157,873 in Creedmoor, 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 Surfside Beach, SC and Creedmoor, NC?

The modeled two-bedroom rents are $1,600/month in Surfside Beach, SC and $1,400/month in Creedmoor, 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 South Carolina and North Carolina on TaxTakeHome.com

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