Union Gap, WA vs Charlotte, NC: Cost of Living

Which city costs less?

Charlotte, NC has a modeled overall cost index 6.3% higher than Union Gap, WA.

Union Gap, WA · modeled 2BR rent: $1,500 / 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 Union Gap, WA 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

Current salary in Union Gap, WA

Numbers update automatically as you type

Estimated extra cost: $52.38/month in Charlotte, NC

$150,000 in your current city has a modeled equivalent of $150,629 in Charlotte, NC

Regional cost estimates: Union Gap, WA uses Tacoma, WA. Charlotte, NC uses Charlotte-Concord-Gastonia, NC-SC Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 6.3%

More expensive

Monthly Impact

$52.38

Extra cost

Annual Impact

$629

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.

Union Gap, WA

Population:6K

Cost Index:

91.2

100 = national average

Typical Home:$387K

Charlotte, NC

Population:875K

Cost Index:

97.0

100 = national average

Typical Home:$399K

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Union Gap, WA

The Evergreen State

Population

State Tax

No Income Tax

Located in Washington, this city has a population of 6K residents.

💡 Advantage: Washington 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

Estimated monthly spending: Union Gap, WA 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.

Category	Union Gap, WA	Charlotte, NC	Difference	Change
Other	$1,329/mo	$1,714/mo	↑ $385more	28.9%
Transportation	$1,538/mo	$1,206/mo	↓ $332less	21.6%
Healthcare	$743/mo	$640/mo	↓ $103less	13.8%
All Utilities	$434/mo	$521/mo	↑ $87.38more	20.2%
Groceries	$973/mo	$993/mo	↑ $19.69more	2.0%
Housing	$2,482/mo	$2,478/mo	↓ $4.66less	0.2%

Other

↑ 28.9%

Union Gap, WA

$1,329

Charlotte, NC

$1,714

Difference

$385

Transportation

↓ 21.6%

Union Gap, WA

$1,538

Charlotte, NC

$1,206

Difference

$332

less

Healthcare

↓ 13.8%

Union Gap, WA

$743

Charlotte, NC

$640

Difference

$103

less

All Utilities

↑ 20.2%

Union Gap, WA

$434

Charlotte, NC

$521

Difference

$87.38

Groceries

↑ 2.0%

Union Gap, WA

$973

Charlotte, NC

$993

Difference

$19.69

Housing

↓ 0.2%

Union Gap, WA

$2,482

Charlotte, NC

$2,478

Difference

$4.66

less

🏠Rent Comparison

Studio

From$1,140

To$1,630

↑ $490

1 Bed

From$1,140

To$1,710

↑ $570

2 Bed

From$1,500

To$1,870

↑ $370

3 Bed

From$2,090

To$2,300

↑ $210

Union Gap, WAZIP-level data

1BR range: $1,140–$1,140/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 Union Gap, WA

$7,552

Monthly in Charlotte, NC

$52.38

Difference

Home Values

Union Gap

Charlotte

$387K

Median Value

$399K

↑ +1.7%

YoY Change

↓ -1.1%

↑ +26.3%

5-Year Change

↑ +40.8%

$387K

Price Range

$293K - $1.57M

Homes in Charlotte are 3% more expensive than Union Gap

Calculate payment - Union Gap 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

Union Gap, WA

Federal Income Tax

Effective: 18.9%

$25.5K

Washington 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

Union Gap, WA Tax Rates

Sales Tax:9.2%

Property Tax:0.9%

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

Union Gap

Charlotte

44 Good

Air Quality

51 Moderate

72.4%

Good Air Days

46.2%

99 High

Climate Risk

97 High

🌊🌡🫨

Top Hazards

🌊🌪💨

▲+2.4°F

2050 Outlook

▲+2.9°F

1 days

Heat Days >95°F

36 days

▲+2.4°F

2050 Outlook

▲+2.9°F

1 days

Heat Days >95°F

36 days

Before moving from Union Gap, WA to Charlotte, NC

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

Compare actual homes. Get current quotes in Charlotte, NC for the same bedroom count and included utilities as your home in Union Gap, WA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Union Gap 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: Union Gap, WA vs Charlotte, NC

How do the cost estimates for Union Gap, WA and Charlotte, NC compare?

Charlotte, NC has a modeled overall cost index 6.3% higher than Union Gap, WA. 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 Union Gap, WA, the model estimates $150,629 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 Union Gap, WA and Charlotte, NC?

The modeled two-bedroom rents are $1,500/month in Union Gap, WA 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 Washington and North Carolina on TaxTakeHome.com