Cost of Living in Charlotte, North Carolina
Rent, everyday costs and taxes in Charlotte, what each job keeps after paying them, and how the city compares with the rest of the US.
- Population
- 964,784
- Median household income
- $86,416
- Cost of living (US = 100)
- 97.3
- Unemployment rate
- 4.3%
Is Charlotte a good place to live?
Charlotte is one of the pricier places for a typical paycheck: a typical worker keeps less here than in 149 of 178 other large cities. Higher earners do better.
A typical worker in Charlotte keeps $1,891 a year after taxes, rent and everyday costs. Try your job
- Cost of living3% below the US average (BEA, 2024)
- Rent$1,816 a month for a 1-bedroom (HUD)
- Taxes$1,486 of state income tax on a typical wage
Cost of living in Charlotte
Prices in the Charlotte-Concord-Gastonia, NC-SC area run 3% below the US average. Utilities is the biggest difference, at 11% below the US average.
- Housing2% below the US average
- Goods (food, clothing, cars)3% below the US average
- Utilities11% below the US average
- Other services (healthcare and more)2% below the US average
- All items3% below the US average
Monthly budget for one person
| Cost | Monthly | Yearly |
|---|---|---|
| Rent, 1-bedroom | $1,816 | $21,792 |
| Food | $477 | $5,724 |
| Transportation | $377 | $4,524 |
| Healthcare | $346 | $4,152 |
| Utilities | $232 | $2,784 |
| Total before taxes | $3,248 | $38,976 |
Rent by apartment size
| Monthly rent | Charlotte | Whole metro area |
|---|---|---|
| Studio | $1,743 | $1,574 |
| 1 bedroom | $1,816 | $1,640 |
| 2 bedrooms | $1,978 | $1,785 |
| 3 bedrooms | $2,416 | $2,179 |
| 4 bedrooms | $3,072 | $2,773 |
Living in Charlotte
How Charlotte compares with the US on income, housing, work and commuting (Census Bureau, ACS 2024 1-year).
| Measure | Charlotte | US |
|---|---|---|
| Median household income | $86,416 | $81,604 |
| Median home value | $431,900 | $360,600 |
| Median rent paid | $1,720 | $1,487 |
| Households renting | 49.5% | 34.7% |
| Unemployment rate | 4.3% | 4.6% |
| Living below the poverty line | 11.9% | 12.2% |
| Adults with a bachelor's degree or higher | 49.4% | 36.9% |
| Median age | 34.5 years | 39.2 years |
| Average commute, one way | 25.3 minutes | 27.2 minutes |
| Working from home | 25% | 13.3% |
| Commuting by public transit | 2.3% | 3.7% |
Home internet
4 providers offer home internet to at least a quarter of Charlotte, led by Spectrum, T-Mobile, Verizon, AT&T. Fiber reaches 68.5% of homes and 70.1% can get gigabit speeds. Compare providers in Charlotte
Pros and cons of living in Charlotte
Pros
- Remote-work friendly. 25% of workers work from home, against 13.3% nationally.
- Highly educated workforce. 49.4% of adults have a bachelor's degree or higher, against 36.9% nationally.
Cons
- Paychecks don't stretch far. A typical worker keeps $1,891 a year, less than in 149 of 178 large cities.
- Expensive rent. Median rent is $1,720 a month, against $1,487 nationally.
What your job keeps in Charlotte
Pick a job, or enter your salary, to see what's left after federal, payroll, state and local taxes, a 1-bedroom rent and everyday costs.
- Typical salary
- $49,990
- Federal income tax
- −$3,819
- Payroll taxes
- −$3,824
- State income tax
- −$1,486
- Rent, 1-bedroom
- −$21,792
- Everyday costs
- −$17,178
a year, or $158 a month
Pay: BLS OEWS Charlotte-Concord-Gastonia, NC-SC. Rent: HUD FY2027. Taxes: 2026 federal, state and local schedules for a single filer.
What the most common jobs keep here
The 10 jobs we cover with the most workers in the Charlotte-Concord-Gastonia, NC-SC area.
| Job | Median pay | You keep |
|---|---|---|
| Software engineer | $135,920 | $60,283 |
| Financial analyst | $106,510 | $41,049 |
| Project manager | $105,200 | $40,179 |
| Accountant | $92,910 | $32,024 |
| Registered nurse | $90,620 | $30,505 |
| Teacher | $59,325 | $9,020 |
| Truck driver | $56,120 | $6,573 |
| Auto mechanic | $53,660 | $4,694 |
| Medical assistant | $46,520 | −$758 |
| Nursing assistant | $39,430 | −$6,173 |
Other jobs, A–Z
What each keeps in Charlotte on its median pay. Pick one in the calculator above for the full breakdown.
- Carpenter $2,632
- Civil engineer $38,302
- Data scientist $58,057
- Dental assistant $1,944
- Dental hygienist $35,660
- Dentist $94,879
- Diesel mechanic $9,764
- Electrician $8,831
- Firefighter −$6,730
- HVAC technician $9,412
- Lawyer $73,966
- Licensed practical nurse $13,460
- Lineman $24,611
- Mechanical engineer $38,023
- Nurse practitioner $56,672
- Occupational therapist $35,701
- Paralegal $9,436
- Paramedic $10,802
- Pharmacist $69,719
- Pharmacy technician −$987
- Physical therapist $37,432
- Physician assistant $58,493
- Plumber $8,534
- Police officer $11,970
- Radiologic technologist $22,760
- Respiratory therapist $24,797
- Social worker $10,865
- Speech-language pathologist $30,730
- Veterinarian $55,880
- Welder $6,535
Compare Charlotte with other cities
Compare Charlotte with another city: any city or state, any of our 40 jobs.
Moving to Charlotte
60 licensed interstate movers are based in Charlotte, and 31 more elsewhere in the Charlotte-Concord-Gastonia, NC-SC area (FMCSA, household-goods authority).
Questions people ask
Is Charlotte, NC a good place to live?
Charlotte is one of the pricier places for a typical paycheck: a typical worker keeps less here than in 149 of 178 other large cities. Higher earners do better. The typical worker here earns $49,990 and keeps $1,891 a year after federal, payroll and state taxes, a 1-bedroom rent and everyday costs.
What is the cost of living in Charlotte?
Prices in the Charlotte-Concord-Gastonia, NC-SC area are 3% below the US average (BEA Regional Price Parities, 2024). A 1-bedroom rents for $1,816 a month (HUD fair market rent, FY2027), and everyday costs for one person, covering food, transportation, healthcare and utilities, come to about $1,432 a month.
How much do you need to earn to live in Charlotte?
A single person renting a 1-bedroom alone needs about $47,600 a year before tax to cover taxes, rent and everyday costs, with nothing left over. The typical worker in the Charlotte-Concord-Gastonia, NC-SC area earns $49,990.
What is the average rent in Charlotte?
HUD's fair market rent for FY2027 is $1,743 for a studio, $1,816 for a 1-bedroom and $1,978 for a 2-bedroom. The Census Bureau puts the median rent paid in Charlotte at $1,720 a month (2024).
Does Charlotte have a state or city income tax?
Yes. On a typical wage of $49,990, North Carolina state income tax comes to about $1,486 a year. Charlotte has no local income tax on wages.
What internet providers serve Charlotte?
4 providers offer home internet to at least a quarter of Charlotte, led by Spectrum, T-Mobile, Verizon, AT&T. 68.5% of homes can get fiber and 70.1% can get gigabit speeds (FCC National Broadband Map).
Sources and method
Everyday costs: BLS Consumer Expenditure Survey 2024 (one-person households) × CPI-U to August 2026 × BEA Regional Price Parities 2024. Taxes assume a single filer with the standard deduction and wage income only.
- Census Bureau, Vintage 2025 population estimates
- Census Bureau, American Community Survey 2024 1-year estimates
- BLS OEWS May 2025, metropolitan area estimates
- HUD Small Area Fair Market Rents, FY2027
- BLS Consumer Expenditure Surveys 2024, Table 1400 (size of consumer unit)
- BLS Consumer Price Index (CPI-U)
- BEA Regional Price Parities by MSA, 2024
- FCC National Broadband Map, fixed broadband availability (data as of December 31, 2025, released 2026-09-29)
- FMCSA Carrier - All With History (operating authority and insurance)
Data compiled October 13, 2026. How we calculate