Side-by-side cost of living comparison for 2026
38% cheaper
Charlotte is 38% more affordable than Boston. A $75,000 salary in Boston is equivalent to $46,296 in Charlotte.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Massachusetts salaries · North Carolina salaries
Housing is typically the biggest factor in any cost-of-living comparison. Boston has a housing index of 242 while Charlotte sits at 99 (national average = 100). The median home in Boston costs $620,000 compared to $330,000 in Charlotte, a difference of $290,000. Monthly rent follows a similar pattern: $2,800 in Boston versus $1,500 in Charlotte.
Groceries and everyday expenses show a notable difference: Boston scores 108 while Charlotte scores 101.
Healthcare costs in Boston (118) are higher than Charlotte (105).
Median household income in Boston is $76,298 compared to $62,308 in Charlotte. When adjusted for cost of living, income goes further in Charlotte.
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