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Cost of Living Comparison 2026

๐Ÿ“ University City, MO โ€” ZIP-level rent data ยท COL adjusted from St. Louis, MO area

$

Numbers update automatically as you type

You'd spend $1.3K/month more in Charlotte, NC

$150.0K in your current city equals $165.3K in Charlotte, NC

Rent data from HUD ZIP-level estimates ยท COL index from St. Louis, MO-IL area
Overall Cost
โ†‘ 17.0%
More expensive
Monthly Impact
$1,278
Extra cost
Annual Impact
$15.3K
Per year

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

University City, MO

Population:34K
Cost Index:100
Median Home:$268K

Charlotte, NC

Population:875K
Cost Index:117
Median Home:$399K

University City, MO

The Show-Me State

34K
Population
State Tax
Yes

Located in Missouri, this city has a population of 34K residents.

Charlotte, NC

The Tar Heel State

875K
Population
State Tax
Yes
Climate
Humid subtropical

Notable Facts

  • โ€ขMajor banking center
  • โ€ขNASCAR headquarters
  • โ€ขQueen City

Major Industries

FinanceTechnologyEnergyMotorsports

Cost Breakdown by Category

Annual spending: University City, MO vs Charlotte, NC

๐Ÿ Housing
โ†‘ 53.9%
University City, MO
$1,604
Charlotte, NC
$2,469
Difference
$865
more
๐Ÿ“ฆOther
โ†‘ 11.5%
University City, MO
$1,531
Charlotte, NC
$1,707
Difference
$177
more
๐ŸฅHealthcare
โ†‘ 24.2%
University City, MO
$514
Charlotte, NC
$638
Difference
$124
more
๐Ÿ›’Groceries
โ†‘ 6.8%
University City, MO
$927
Charlotte, NC
$989
Difference
$62.71
more
๐Ÿš—Transportation
โ†‘ 3.8%
University City, MO
$1,158
Charlotte, NC
$1,202
Difference
$43.89
more
โšกAll Utilities
โ†“ 0.7%
University City, MO
$523
Charlotte, NC
$519
Difference
$3.57
less

๐Ÿ Rent Comparison

Studio
From$866
To$1,630
โ†‘ $764
1 Bed
From$899
To$1,710
โ†‘ $811
2 Bed
From$1,101
To$1,870
โ†‘ $769
3 Bed
From$1,417
To$2,300
โ†‘ $883
University City, MOZIP-level data

1BR range: $1,110โ€“$1,110/mo

Charlotte, NCZIP-level data

1BR range: $1,340โ€“$2,310/mo

๐Ÿ’ก 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.

$6,257
Monthly in University City, MO
$7,525
Monthly in Charlotte, NC
$1,268
Difference

Home Values

University City
Charlotte
$268K
Median Value
$399K
โ†‘ +1.7%
YoY Change
โ†“ -1.1%
โ†‘ +22.9%
5-Year Change
โ†‘ +40.8%
$268K
Price Range
$293K - $1.57M

Homes in Charlotte are 49% more expensive than University City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $804
Per year
Monthly Difference
$67.00
More take-home
Effective Rate Diff
0.5%
Rate difference

University City, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

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

University City, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

Charlotte, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

๐Ÿ’ก 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

University City
Charlotte
54 Moderate
Air Quality
51 Moderate
38%
Good Air Days
46.2%
99 High
Climate Risk
97 High
๐ŸŒŠ๐ŸŒก๐Ÿซจ
Top Hazards
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+2.9ยฐF
39 days
Heat Days >95ยฐF
36 days
โ–ฒ+3.0ยฐF
2050 Outlook
โ–ฒ+2.9ยฐF
39 days
Heat Days >95ยฐF
36 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Missouri and North Carolina on TaxTakeHome.com

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