Is Charlotte, NC cheaper than Winter Springs, FL?

Based on cost of living data, Charlotte, NC is 1.4% cheaper than Winter Springs, FL. This translates to saving $105 per month.

What salary do I need in Charlotte, NC to live like I do in Winter Springs, FL?

If you earn $150,000 in Winter Springs, FL, you'd need approximately $148,739.656 in Charlotte, NC to maintain the same standard of living.

How does housing cost compare between Winter Springs, FL and Charlotte, NC?

Housing in Charlotte, NC is 6.3% more expensive than in Winter Springs, FL. For a two-bedroom apartment, rent is $1,870/month in Charlotte, NC compared to $1,705/month in Winter Springs, FL.

How much can I save per month by moving from Winter Springs, FL to Charlotte, NC?

Moving from Winter Springs, FL to Charlotte, NC could save you approximately $105 per month, or $1260 per year, based on a $150,000 salary.

Winter Springs, FL vs Charlotte, NC: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Winter Springs, FL — ZIP-level rent data · COL adjusted from Orlando, FL area

Current salary in Winter Springs, FL

Numbers update automatically as you type

You'd save $105/month moving to Charlotte, NC

$150.0K in your current city equals $148.7K in Charlotte, NC

Rent data from HUD ZIP-level estimates · COL index from Orlando-Kissimmee-Sanford, FL area

Overall Cost

↓ 1.4%

Less expensive

Monthly Impact

$105

Savings

Annual Impact

$1.3K

Per year

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

Winter Springs, FL

Population:39K

Cost Index:100

Median Home:$416K

Charlotte, NC

Population:875K

Cost Index:99

Median Home:$399K

Winter Springs, FL

The Sunshine State

39K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 39K residents.

💡 Advantage: Florida 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

Annual spending: Winter Springs, FL vs Charlotte, NC

Category	Winter Springs, FL	Charlotte, NC	Difference	Change
🏠Housing	$2,323/mo	$2,469/mo	↑ $146more	6.3%
🏥Healthcare	$557/mo	$638/mo	↑ $81.09more	14.6%
⚡All Utilities	$561/mo	$519/mo	↓ $41.62less	7.4%
🚗Transportation	$1,226/mo	$1,202/mo	↓ $24.34less	2.0%
📦Other	$1,727/mo	$1,707/mo	↓ $19.31less	1.1%
🛒Groceries	$996/mo	$989/mo	↓ $6.84less	0.7%

🏠Housing

↑ 6.3%

Winter Springs, FL

$2,323

Charlotte, NC

$2,469

Difference

$146

🏥Healthcare

↑ 14.6%

Winter Springs, FL

$557

Charlotte, NC

$638

Difference

$81.09

⚡All Utilities

↓ 7.4%

Winter Springs, FL

$561

Charlotte, NC

$519

Difference

$41.62

less

🚗Transportation

↓ 2.0%

Winter Springs, FL

$1,226

Charlotte, NC

$1,202

Difference

$24.34

less

📦Other

↓ 1.1%

Winter Springs, FL

$1,727

Charlotte, NC

$1,707

Difference

$19.31

less

🛒Groceries

↓ 0.7%

Winter Springs, FL

$996

Charlotte, NC

$989

Difference

$6.84

less

🏠Rent Comparison

Studio

From$1,429

To$1,630

↑ $201

1 Bed

From$1,494

To$1,710

↑ $216

2 Bed

From$1,705

To$1,870

↑ $165

3 Bed

From$2,143

To$2,300

↑ $157

Winter Springs, FLZIP-level data

1BR range: $1,840–$1,840/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.

$7,390

Monthly in Winter Springs, FL

$7,525

Monthly in Charlotte, NC

$135

Difference

Home Values

Winter Springs

Charlotte

$416K

Median Value

$399K

↓ -4.3%

YoY Change

↓ -1.1%

↑ +35.6%

5-Year Change

↑ +40.8%

$416K

Price Range

$293K - $1.57M

Homes in Charlotte are 4% less expensive than Winter Springs

Calculate payment - Winter Springs 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

Winter Springs, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

Winter Springs, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

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.