Is Raleigh, NC cheaper than Temple, TX?

Based on cost of living data, Raleigh, NC is 2.9% more expensive than Temple, TX. This translates to spending an extra $217 per month.

What salary do I need in Raleigh, NC to live like I do in Temple, TX?

If you earn $150,000 in Temple, TX, you'd need approximately $152,604.464 in Raleigh, NC to maintain the same standard of living.

How does housing cost compare between Temple, TX and Raleigh, NC?

Housing in Raleigh, NC is 3.9% more expensive than in Temple, TX. For a two-bedroom apartment, rent is $1,800/month in Raleigh, NC compared to $1,066/month in Temple, TX.

How much can I save per month by moving from Temple, TX to Raleigh, NC?

Living in Raleigh, NC costs approximately $217 more per month than Temple, TX, or $2604 more per year, based on a $150,000 salary.

Temple, TX vs Raleigh, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Temple, TX — ZIP-level rent data · COL adjusted from Austin, TX area

Current salary in Temple, TX

Numbers update automatically as you type

You'd spend $217/month more in Raleigh, NC

$150.0K in your current city equals $152.6K in Raleigh, NC

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 2.9%

More expensive

Monthly Impact

$217

Extra cost

Annual Impact

$2.6K

Per year

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

Temple, TX

Population:93K

Cost Index:100

Median Home:$187K

Raleigh, NC

Population:474K

Cost Index:103

Median Home:$512K

Temple, TX

The Lone Star State

93K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 93K residents.

💡 Advantage: Texas has no state income tax!

Raleigh, NC

The Tar Heel State

474K

Population

State Tax

Yes

Climate

Humid subtropical

Notable Facts

•Research Triangle
•State capital
•Major university town

Major Industries

TechnologyResearchEducationGovernment

Cost Breakdown by Category

Annual spending: Temple, TX vs Raleigh, NC

Category	Temple, TX	Raleigh, NC	Difference	Change
📦Other	$1,593/mo	$1,707/mo	↑ $114more	7.2%
🚗Transportation	$1,175/mo	$1,284/mo	↑ $109more	9.3%
🏠Housing	$2,376/mo	$2,469/mo	↑ $92.65more	3.9%
🛒Groceries	$918/mo	$959/mo	↑ $41.54more	4.5%
🏥Healthcare	$563/mo	$601/mo	↑ $37.88more	6.7%
⚡All Utilities	$518/mo	$546/mo	↑ $28.89more	5.6%

📦Other

↑ 7.2%

Temple, TX

$1,593

Raleigh, NC

$1,707

Difference

$114

🚗Transportation

↑ 9.3%

Temple, TX

$1,175

Raleigh, NC

$1,284

Difference

$109

🏠Housing

↑ 3.9%

Temple, TX

$2,376

Raleigh, NC

$2,469

Difference

$92.65

🛒Groceries

↑ 4.5%

Temple, TX

$918

Raleigh, NC

$959

Difference

$41.54

🏥Healthcare

↑ 6.7%

Temple, TX

$563

Raleigh, NC

$601

Difference

$37.88

⚡All Utilities

↑ 5.6%

Temple, TX

$518

Raleigh, NC

$546

Difference

$28.89

🏠Rent Comparison

Studio

From$848

To$1,570

↑ $722

1 Bed

From$856

To$1,640

↑ $784

2 Bed

From$1,066

To$1,800

↑ $734

3 Bed

From$1,478

To$2,255

↑ $777

Temple, TXZIP-level data

1BR range: $840–$1,200/mo

Raleigh, NCZIP-level data

1BR range: $1,400–$1,880/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.

$7,143

Monthly in Temple, TX

$7,567

Monthly in Raleigh, NC

$424

Difference

Home Values

Temple

Raleigh

$187K

Median Value

$512K

↓ -5%

YoY Change

↓ -0.5%

↑ +25.1%

5-Year Change

↑ +38.2%

$185K - $275K

Price Range

$314K - $992K

Homes in Raleigh are 173% more expensive than Temple

Calculate payment - Temple Calculate payment - Raleigh

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

Temple, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

Raleigh, 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

Temple, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

Raleigh, 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.