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Cost of Living Comparison 2026

📍 Urbana, IL — ZIP-level rent data · COL adjusted from Indianapolis, IN area

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Numbers update automatically as you type

You'd spend $1.0K/month more in Charlotte, NC

$150.0K in your current city equals $162.2K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 13.5%
More expensive
Monthly Impact
$1,016
Extra cost
Annual Impact
$12.2K
Per year

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

Urbana, IL

Population:38K
Cost Index:100
Median Home:$182K

Charlotte, NC

Population:875K
Cost Index:114
Median Home:$399K

Urbana, IL

The Prairie State

38K
Population
State Tax
Yes

Located in Illinois, this city has a population of 38K 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: Urbana, IL vs Charlotte, NC

🏠Housing
↑ 43.3%
Urbana, IL
$1,722
Charlotte, NC
$2,469
Difference
$746
more
📦Other
↑ 9.3%
Urbana, IL
$1,562
Charlotte, NC
$1,707
Difference
$146
more
🛒Groceries
↑ 8.6%
Urbana, IL
$911
Charlotte, NC
$989
Difference
$78.28
more
🏥Healthcare
↑ 10.6%
Urbana, IL
$577
Charlotte, NC
$638
Difference
$61.04
more
🚗Transportation
↑ 3.0%
Urbana, IL
$1,167
Charlotte, NC
$1,202
Difference
$35.12
more
⚡All Utilities
↑ 4.2%
Urbana, IL
$498
Charlotte, NC
$519
Difference
$20.95
more

🏠Rent Comparison

Studio
From$760
To$1,630
↑ $870
1 Bed
From$768
To$1,710
↑ $942
2 Bed
From$910
To$1,870
↑ $960
3 Bed
From$1,169
To$2,300
↑ $1,131
Urbana, ILZIP-level data

1BR range: $920–$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.

$6,437
Monthly in Urbana, IL
$7,525
Monthly in Charlotte, NC
$1,088
Difference

Home Values

Urbana
Charlotte
$182K
Median Value
$399K
↑ +4.2%
YoY Change
↓ -1.1%
↑ +37%
5-Year Change
↑ +40.8%
$182K
Price Range
$293K - $1.57M

Homes in Charlotte are 119% more expensive than Urbana

Calculate payment - UrbanaCalculate payment - Charlotte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $300
Per year
Monthly Difference
$25.00
More take-home
Effective Rate Diff
0.2%
Rate difference

Urbana, IL

Federal Income Tax
Effective: 18.9%
$25.5K
Illinois State Tax
Effective: 5.0%
$7.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,797/month
$105.6K

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

Urbana, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

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

Urbana
Charlotte
54 Moderate
Air Quality
51 Moderate
36.6%
Good Air Days
46.2%
97 High
Climate Risk
97 High
🌊🌡🌪
Top Hazards
🌊🌪💨
▲+3.1°F
2050 Outlook
▲+2.9°F
18 days
Heat Days >95°F
36 days
▲+3.1°F
2050 Outlook
▲+2.9°F
18 days
Heat Days >95°F
36 days

💰 See how taxes change too — compare take-home pay between Illinois and North Carolina on TaxTakeHome.com

Similar cost to Charlotte, NC

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