Winterville, NC vs Spring Lake, NC: Cost of Living

Which city costs less?

Spring Lake, NC has a modeled overall cost index 1.7% lower than Winterville, NC.

Winterville, NC · modeled 2BR rent: $1,170 / month
Spring Lake, NC · modeled 2BR rent: $1,160 / 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 Winterville, NC and Spring Lake, 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 Winterville, NC

Numbers update automatically as you type

Estimated savings: $234/month in Spring Lake, NC

$150,000 in your current city has a modeled equivalent of $147,191 in Spring Lake, NC

Regional cost estimates: Winterville, NC uses Raleigh, NC. Spring Lake, NC uses Fayetteville, NC. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 1.7%

Less expensive

Monthly Impact

$234

Savings

Annual Impact

$2.8K

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.

Winterville, NC

Population:11K

Cost Index:

87.7

100 = national average

Typical Home:$276K

Spring Lake, NC

Population:12K

Cost Index:

86.2

100 = national average

Typical Home:$242K

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Winterville, NC

The Tar Heel State

11K

Population

State Tax

Yes

Located in North Carolina, this city has a population of 11K residents.

Spring Lake, NC

The Tar Heel State

12K

Population

State Tax

Yes

Located in North Carolina, this city has a population of 12K residents.

Cost Breakdown by Category

Estimated monthly spending: Winterville, NC vs Spring Lake, 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	Winterville, NC	Spring Lake, NC	Difference	Change
Housing	$2,243/mo	$2,080/mo	↓ $163less	7.3%
Other	$1,724/mo	$1,681/mo	↓ $42.60less	2.5%
Transportation	$1,296/mo	$1,258/mo	↓ $38.76less	3.0%
All Utilities	$580/mo	$561/mo	↓ $19.11less	3.3%
Groceries	$1,018/mo	$1,037/mo	↑ $18.29more	1.8%
Healthcare	$638/mo	$650/mo	↑ $11.46more	1.8%

Housing

↓ 7.3%

Winterville, NC

$2,243

Spring Lake, NC

$2,080

Difference

$163

less

Other

↓ 2.5%

Winterville, NC

$1,724

Spring Lake, NC

$1,681

Difference

$42.60

less

Transportation

↓ 3.0%

Winterville, NC

$1,296

Spring Lake, NC

$1,258

Difference

$38.76

less

All Utilities

↓ 3.3%

Winterville, NC

$580

Spring Lake, NC

$561

Difference

$19.11

less

Groceries

↑ 1.8%

Winterville, NC

$1,018

Spring Lake, NC

$1,037

Difference

$18.29

Healthcare

↑ 1.8%

Winterville, NC

$638

Spring Lake, NC

$650

Difference

$11.46

🏠Rent Comparison

Studio

From$950

To$980

↑ $30.00

1 Bed

From$960

To$990

↑ $30.00

2 Bed

From$1,170

To$1,160

↓ $10.00

3 Bed

From$1,570

To$1,590

↑ $20.00

Winterville, NCZIP-level data

1BR range: $960–$960/mo

Spring Lake, NCZIP-level data

1BR range: $990–$990/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 Winterville, NC

$7,266

Monthly in Spring Lake, NC

$234

Difference

Home Values

Winterville

Spring Lake

$276K

Median Value

$242K

↑ +1.5%

YoY Change

↑ +0.3%

↑ +46.6%

5-Year Change

↑ +44.5%

Homes in Spring Lake are 12% less expensive than Winterville

Calculate payment - Winterville Calculate payment - Spring Lake

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Winterville, 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

Spring Lake, 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

Winterville, NC Tax Rates

Sales Tax:7.1%

Property Tax:0.8%

Spring Lake, 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

Winterville

Spring Lake

46 Good

Air Quality

46 Good

61.7%

Good Air Days

63.7%

96 High

Climate Risk

89 Moderate

🌊🌡🌪

Top Hazards

🌀🌪

▲+2.8°F

2050 Outlook

▲+2.5°F

31 days

Heat Days >95°F

36 days

▲+2.8°F

2050 Outlook

▲+2.5°F

31 days

Heat Days >95°F

36 days

Before moving from Winterville, NC to Spring Lake, NC

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

Compare actual homes. Get current quotes in Spring Lake, NC for the same bedroom count and included utilities as your home in Winterville, NC. 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 Winterville to Spring Lake moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Spring Lake, NC by cost, housing, population and region.

Frequently Asked Questions: Winterville, NC vs Spring Lake, NC

How do the cost estimates for Winterville, NC and Spring Lake, NC compare?

Spring Lake, NC has a modeled overall cost index 1.7% lower than Winterville, NC. 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 Winterville, NC, the model estimates $147,191 in Spring Lake, 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 Winterville, NC and Spring Lake, NC?

The modeled two-bedroom rents are $1,170/month in Winterville, NC and $1,160/month in Spring Lake, 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.

Where your money goes further

Cities cheaper than Winterville, NC on a $150.0K salary

1.St. Louis, MO

Save $13.47/mo

Similar cost to Spring Lake, NC

Other cities in a similar price range

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